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Better Business Bureau urges consumer preparedness

5/21/2013

Posted on 5/21/2013 by

BBB offers tips for those in the path of severe storms

AUSTIN/WACO - May 21, 2013 – As we’ve been exposed to the destruction in Oklahoma, and with Texas cities under Tornado Watch, Better Business Bureau recommends these actions to help families in Central Texas be prepared.

With reminders such as the Bastrop wildfires, Texas residents are conscious of disasters which can cause everything to be gone in minutes. Knowing what to do before and after an emergency is a critical part of being prepared.

Have a plan in place. 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 natural disasters.

Download the Tornado App. The free app-available in English or Spanish gives smartphone users instant access to local and real-time information including a siren alert, an ‘all clear’ to let users know when a tornado has expired or cancelled and a one-touch “I’m safe” message that allows users to broadcast reassurance to family and friends. Go to: redcross.org/mobileapps

Prepare an emergency kit. If disaster strikes your community, you might not have access to food, water or electricity. Your emergency kit should include such items as:

Water
Nonperishable food
Flashlights with extra batteries
First-aid kit
A whistle to signal for help
Tools, such as a wrench or pliers
Power inverter or solar charger for electronics such as your cell phone

Catalogue your valuables. Take pictures of your valuables.This can help the insurance company assess the dollar amount for your losses.

Protect important documents. Place copies of important family documents such as birth certificates, passports, insurance policies and photos in a waterproof, portable container near your escape route.

Start with trust. Whether shopping for insurance before a disaster strikes or looking for a company to clean damaged areas, remove debris and rebuild, check the company’s BBB Business Review at bbb.org.

Know where to turn. FEMA, the Texas Division of Emergency Management and the Centers for Disease Control and Prevention have many resources available to help families prepare for what to do before, during and after disasters happen.

Better Business Bureau Urges Donor Caution After Tornadoes

5/21/2013

Posted on 5/21/2013 by

BBB Wise Giving Alliance offers tips on disaster giving

In wake of the devastating tornadoes that ripped through Oklahoma yesterday, and in north Texas last week, Better Business Bureau and BBB Wise Giving Alliance have issued tips to help donors make smart giving decisions and avoid scams.

“It’s in our nature to move quickly when we see others in distress,” said Carrie Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “Especially now after seeing reports that these devastating storms took so many lives in Oklahoma. People naturally want to help. We encourage those willing to donate to do their research first so they can be sure those contributions are going to the right place.”

BBB Wise Giving Alliance is offering the following tips to help donors decide where to direct donations to assist victims:

Be cautious when giving online. Be cautious about online giving, especially in response to unsolicited spam messages, and emails and social media posts that claim to link to a relief organization. If you want to give to a charity involved in relief efforts, go directly to the charity’s website.
Rely on expert opinion when it comes to evaluating a charity. Be cautious when relying on third-party recommendations such as bloggers or other websites, as they may not have fully researched the relief organizations they list. The public can go to www.bbb.org/charity to research charities and relief organizations and verify that they are accredited by the BBB and meet the 20 Standards for Charity Accountability.
Find out if the charity has anon-the-ground presence in the impacted areas. Unless the charity already has staff in the affected areas, it may be difficult to bring in new aid workers to provide assistance quickly. See if the charity’s website clearly describes what the charity can do to address immediate needs.
Find out if the charity is providing direct aid or raising money for other groups. Some charities may be raising money to pass along to relief organizations. If so, you may want to consider “avoiding the middleman” and giving directly to those that have a presence in the region. Or,at a minimum, check out the ultimate recipients of these donations to see whether they are equipped to provide aid effectively.
Gifts of clothing, food or other in-kind donations. In-kind drives for food and clothing, while well intentioned, may not necessarily be the quickest way to help those in need – unless the organization has the staff and infrastructure to distribute such aid properly.Ask the charity about its transportation and distribution plans. Be wary of those who are not experienced in disaster relief assistance.

BBB Wise Giving Alliance is asking anyone who receives a suspicious charitable solicitation to report it to BBB Report a Scam.

Knock! Knock! Close the door on high pressure sales tactics

5/20/2013

Posted on 5/20/2013 by

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

AUSTIN, Texas – May 20, 2012 – Better Business Bureau is warning consumers to be on guard when it comes to high-pressure sales tactics over the next few months. There are many businesses that go door-to-door selling everything from cosmetic products to magazine subscriptions. In 2012, BBB received over 1,700 complaints against door-to-door sales companies nationwide. Most complaints alleged products were paid for but never delivered, or refunds were not received upon cancellation.

During the summer months, BBB routinely receives an increase in 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 has these tips for consumers to consider when getting that knock on your door. According to the Texas Attorney General:

Door-to-door sales people are required to:

Advise you orally and in writing of your right to cancel thesale within three days
Provide a contract in the same language that was used in the sales presentation

The contract or receipt must:

State the date of sale, name and address of the merchant
Provide a statement of your right to cancel which includes the address of where to send your cancellation notice

To cancel a door-to-door sale:

You must sign, date and mail the “notice of cancellation” back to the seller
To obtain a full refund, you must do this before midnight of the third business day after the sale
If the seller fails to notify you of an intention to repossess the goods within 20 days after cancellation, you may not be forced to return the items at a later date

Don’t be pressured to take advantage of a time-sensitive offer. Take time to decide whether you’re sure you want the product. Do some comparison shopping at checkbbb.org to find an accredited business.

Seven common scams targeting small businesses

5/20/2013

Posted on 5/20/2013 by

BBB offers advice tohelp businesses avoid frequently-reported traps

All businesses need to be vigilant against scams and other types of fraud. This can be especially true of smaller businesses, which can be attractive targets to con artists.

In March, the Federal Trade Commission requested a federal judge temporarily halt an operation that allegedly tricked small businesses and non-profits into collectively paying millions of dollars to be listed in an online directory. These businesses were contacted because they attended a free trade show and soon after received letters requesting the company check the accuracy of information in a free ‘exhibitors directory.’ But the letter contained fine print, and by therefore signing the agreement, the company agreed to pay $1,717 a year for three years.

Protecting your business against fraud is important to your company’s bottom line, but it also enhances public trust. Your Better Business Bureau recommends business owners train their employees to be on the look out for these seven most common scams:

1. Directory scams. Getting billed for a directory the company doesn’t want or need is a problem that has impacted businesses for decades. Often scammers will call a business saying they just want to update the company’s online directory entry. The scammer may also pretend to represent the Yellow Pages. Businesses then get billed hundreds of dollars for listings they didn’t agree to or for ads they mistakenly believed would be in the Yellow Pages. Make sure to verify the company is legitimate and read all fine print before signing.

2. Invoicing/Office Supply Scams. Scammers sometimes take advantage of small business owners by billing for office supplies like toner or paper. They hope the business won’t notice a bill for products it never ordered and may not want. Always check any invoice your company receives carefully before making a payment.

3. Over payment Scams. Be very cautious if a customer overpays using a check or credit card and asks you to wire the extra money back to them or send it to a third party.The check could bounce, leaving the business on the hook for the whole amount.If you wire an over payment made by credit card, a scammer may dispute the initial payment.

4. Data Breaches. No matter how careful a company is, data breaches can still happen—whether it’s a result of hackers, negligence or a disgruntled employee.That can have a serious impact on the level of trust customers have with your company. There are ways to minimize the risk, however. Learn how to defend your company from a data breach by visiting www.bbb.org/data-security.

5. Vanity Awards. Getting recognized for your hard work may be flattering, but some awards are just money-making schemes with no actual merit. If you are told you have won a business or leadership award, do your research and be wary if you are asked for money.

6. Stolen Identity. Scammers sometimes pretend to be a legitimate company in order to rip off consumers. In this instance,your company may not lose money, but instead, your company’s reputation could be at stake. If you believe your company’s identity has been compromised,contact local police and check your credit history. If scammers are using the company’s name on phishing e-mails or with phony websites, business owners can also contact the FBI’s Internet Crime Complaint Center at www.ic3.gov. Businesses can also contact their BBB for help getting information out to consumers quickly.

7. Phishing E-mails. Phishing e-mails appear to be from a legitimate source, but attempt to direct the recipient to a look-alike site for fraudulent purposes.Some phishing e-mails target small business owners in order to hack into their computer or network. These emails can also harm your computer system by installing malware on to your hard drives. Examples include e-mails pretending to be from the IRS saying the company is being audited or emails from what appears to be from BBB saying the company has received a complaint. If you receive a suspicious e-mail from a government agency or other organization, don’t click on any links or open any attachments. Contact the agency or organization directly to confirm the legitimacy of the e-mail.

For more businesstips, visit bbb.org or check BBB out on Facebook and Twitter.

How to cut summer energy costs without heating up your employees

5/20/2013

Posted on 5/20/2013 by

BBB offers tips to help businesses save energy and expenses this summer

Summer is just around the corner and so are high energy bills. Fortunately, there are many steps a business can take to keep those bills from getting out of hand.

One way to save money over the long term is by installing energy-efficient equipment. A Seattle-based commercial office with 43 tenant firms and 100 occupants recently took steps to avoid high energy costs. The company installed 10 programmable thermostats, energy-efficient lights and made small energy-saving window improvements. The upgrades netted $23,000 in savings per year, for a simple investment payback of just 18 months.

Businesses don’t have to make big investments to reap big rewards. Sometimes simple maintenance can make a big difference. Better Business Bureau has a few tips to save energy and cut costs, without getting your employees hot under the collar.

Unplug electrical devices that are not being used. Many devices, such as chargers for cell phones, digital cameras and power tools, use something called standby power, sometimes referred to as vampire or phantom power. This means they use power even when they aren’t turned on. Some televisions,computer monitors and DVD players can draw power even when turned off. It’s best to always completely shut down or unplug any items employees are not using.
Replace traditional bulbs. Switching incandescent light bulbs for EnergyStar-qualified bulbs can save about $6 a year in electricity per bulb and $40 over the lifetime of each bulb. The energy-efficient bulbs use about 75 percent less energy than traditional incandescent bulbs and last about six times longer. This is more than just a cost-cutting measure; it also produces about 75 percent less heat, making it safer to operate.
Turn off lights before you leave. That is especially important for incandescent lights, which are the least efficient. You may also want to consider installing dimmers, sensors and timers to ensure the lights are off or using minimal energy when they need to be.
Keep air vents open. Blocking air vents with papers, desks, panels or office supplies reduces the efficiency of your HVAC system. According to EnergyStar, an energy-saving program of the U.S. Environmental Protection Agency, it takes as much as 25 percent more energy to pump air into a work space if vents are blocked.
Change the filter. Change (or clean if reusable) your HVAC filters on a regular basis. Do it monthly during peak cooling or heating season.According to the EPA, HVAC filters cost about $2 or $3 each, but dirty filters can cost up to $5 a month. They can also wear out the equipment and result in dirtier indoor air. Consider buying "electrostatic" filters, which are washable, long lasting, and provide cleaner air. Clean or change filters more often if you have smokers, or pollution sources.
Install a programmable thermostat. Automating your HVAC system will take occupancy into account. According to the EPA, the cost of a programmable thermostat can be $25 to $150, and it could cut your HVAC costs about 30 percent.
Control direct sunlight through windows. In the summer, you can reduce heat by blocking or screening windows, especially through east- and west-facing windows. Options include solar screens, solar film, awnings, and vines. Over time, trees can provide this service.
Use fans. Moving air with fans can make higher temperature and humidity feel more comfortable. According to the EPA, a temperature setting of only 3 to 5 degrees higher can feel as comfortable with fans. Additionally, each degree of higher temperature can save about 3 percent on cooling costs.
Plug the leaks. Weather stripping and caulking is a do-it-yourself job that will let you manage ventilation. According to the EPA, most commercial buildings require 15 to 20 cubic feet per minute (CFM) ventilation per person for healthy indoor air. Exceptions and details can be found at www.epa.gov/iaq. Uncontrolled "leaking" or exchange of inside air through cracks around windows, doors and other holes can make cooling a building very expensive.
Create an office team to promote energy efficiency. The EPA suggests creating a “Green Team” with your co-workers to help get the rest of the workplace to support energy efficiency in the workplace. Identify opportunities to save energy and hold an official launch or kickoff event. Consider implementing a pilot project to showcase at the kickoff. Small steps such as encouraging employees to replace at least one incandescent light bulb at their desks with an EnergyStar-qualified light bulb help motivate employees.

For more business tips, visit bbb.org or check BBB out on Facebook and Twitter.

Don’t get spent when you rent

5/17/2013

Posted on 5/17/2013 by

BBB offers tips on using your home for short-term rentals

AUSTIN, Texas — May 17,2013 — Short-term home rentals are soaring in popularity amongst homeowners and out-of-towners. As the summer music festivals approach, and with the Memorial Day and Fourth of July holidays just around the corner, many homeowners may choose to offer their home as a short-term rental.

Better Business Bureau has these helpful and important tips to follow if you’re planning to rent out your home.

Decide who will manage the property. If you decide to manage the property yourself, make sure you live close enough and are capable of handling any emergency issues that arise. If you don’t live close, make sure you know someone who can help take care of your property and address any issues a guest may have.

If you decide to use a management company, research the organization first at bbb.org. Get all fees involved with listing your property and booking your rental in writing. Request detailed descriptions, in writing, of all the additional services to be provided and how and when you can expect to receive payment. Also, consider whether or not the company has its own insurance policy to cover any damages caused by the tenant.

Write up a contract. BBB advises having an attorney go over the details of the contract. The contract should include:

Check in and check out times
Whether smoking or pets are permitted
Details of any security or damage deposits, whether they are refundable and under what circumstances
A cancellation and rate change policy
The maximum occupancy and any fees associated with exceeding the limit
Parking restrictions
The renter’s contact information

Check state and city law. Various cities and states have their own rental and property laws. Check your city’s law on short-term rentals to make sure you’re not in violation.

Research renters. Get the appropriate contact information for renters and check them out. Consider a Google search or use an online screening service.

Check your insurance coverage. Ensure you have enough property or casualty insurance should anything go wrong. Also consider the costs of lost, stolen or damaged items and ensure your security deposit covers all the “what-ifs.”

Consult your rental agreement. If you rent your home or apartment, your contract could prohibit subletting. Be sure to check with your landlord or HOA about short-term visitors.

For potential home renters, BBB warns to be on the look out for phony ads on classified sites and other internet sources aimed at cheating consumers. In the past, scammers have copied property information and pictures,creating fake listings. They will accept all forms of payments to appear legitimate only to have the consumer find out the home was not for rent and their up-front payment is gone. Use reliable rental websites, with more safeguards in place, rather than free-listing classified websites.

Don’t get bugged by the wrong pest control business

5/13/2013

Posted on 5/13/2013 by

AUSTIN, Texas – May 13, 2013 - Warmer temperatures and rainy weather are bringing out various insects you probably don‘t want in your home.In the spring and summer months, Better Business Bureau generally sees an increase in consumer inquiries for pest control companies.

Nationally, BBB received more than 4,100 complaints regarding pest control services in 2012. Most alleged work not being completed according to signed contracts and inflexibility in scheduling when warranty issues arose.

When the job gets too big for home remedies, keep the following tips in mind before hiring a pest control service:

Research the company. Check any pest control company’s BBB Business Review at bbb.org before signing a contract. Look at the company’s rating, how it has responded to customer complaints and any advertising issues it may have.
Compare prices. Solicit bids from at least three different pest control companies before making a decision. BBB provides a free Request a Quote service to make it easier to gather estimates from local BBB Accredited Businesses.
Ask about safety. Because pesticides and pest control products could be dangerous to touch or inhale, be sure to ask the company about the safety of the chemicals they use. Let the company know if you have pets, children or sensitive plants as that may impact the products they select for your home.
Check for licensing and insurance. Make sure the company meets state licensing requirements by verifying with the Texas Department of Agriculture. Also, be sure to ask for proof of the company’s insurance and coverage for any potential property damage or personal liability.
Carefully review your contract. Be sure you fully understand the nature of the pest to be exterminated, the extent of the infestation, and the work necessary to solve the problem.

BBB encourages healthy habits during National Nurse’s Week

5/8/2013

Posted on 5/8/2013 by

BBB tips for finding a trustworthy physician

AUSTIN, Texas – May 8,2013 – This is National Nurse’s Week and as we recognize those dedicated to the health care profession, your Better Business Bureau wants to make sure you know how to find the right health care provider.

According to StateHealthFacts.org there are more than 800,000 physicians in the United States. With almost 400,000 primary care physicians and the remainder specialist physicians, choosing the right provider can be daunting.

Since January 2012, BBB received over 500 complaints nationwide against family practice physicians. Complaints alleged problems with billing and the release of private information without the patient’s consent.

If you’re considering a primary care physician, BBB has these recommendations:

Do your research: Checkbbb.org for a BBB Business Reviews on physicians in your area. Also, insurance companies, health maintenance organizations, and managed care plans usually have a panel of physicians from which to select.
Check licensing: After obtaining the names of possible doctors, check to make sure that they are properly licensed and have clear records. You can find out this information online from your state medical boards or by fax or phone call.
Know your rights: Doctors must show you your medical records and X-rays at any time at your request. Doctors may not reveal personal information about you without your consent except as required by law. Doctors may not order you to receive excessive tests or treatments.
To file a complaint: You can file complaints at bbb.org regarding billing or customer service issues. If you have a malpractice complaint against a doctor, you can file with the Texas Medical Board.

Keep calm when shopping for mom this Mother’s Day

5/6/2013

Posted on 5/6/2013 by

AUSTIN, Texas – May 6, 2013 – 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 $168.94 on Mother's Day gifts this year, up 11 percent from last year. Nearly three in 10 Americans will buy their gifts online, up from 25.6 percent last year and the highest in the survey’s 10-year history. More than 36 percent will stick to traditional specialty stores including jewelers,florists and specialty clothing stores.

Last May, BBB received more than 580 complaints nationwide against local and online florists. Most complaints alleged non delivery and only partial refunds.

When finalizing your Mother’s Day 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. For a list of Accredited Businesses, visit checkbbb.org.
Check out the business. 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.
Ask about guarantees. Request a written receipt for the order and ask about the business's refund policy if the delivery is late, never arrives or is in bad condition.
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, according to the Federal Trade Commission;a 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 in case he or she needs to reach you.

Be sure to look for these approved seals when shopping online:

Rebuilding West on a foundation of trust

5/3/2013

Posted on 5/3/2013 by

AUSTIN, Texas – May 3, 2013 – Many who lost their homes, or received damage from the West Fertilizer Company explosion are now looking to rebuild. More than 100 people were injured and more than 100 homes and businesses either leveled or damaged in last month’s tragedy. In wake of the tragedy, Better Business Bureau is urging West, Texas residents planning to rebuild to take extra caution when shopping around for contractors.

“Rebuilding after a tragedy like this is not an easy task,” said Carrie A. Hurt, President and CEO of Better Business Bureau serving Central, Coastal, Southwest Texas and the Permian Basin. “It’s especially troubling knowing that con artists could be looking to take advantage of this particularly sensitive situation.”

General contractors are one of the top most inquired about industries with Better Business Bureau. In 2012, your local BBB received nearly 250 complaints against general contractors. Some complaints allege the contractor did not return to the work site upon collecting deposits, or did not commit to promised guarantees.

For those looking to rebuild, BBB offers the following advice:

Check out the business. Start your search with BBB Member Pages to find a BBB accredited contractor in your area. If you are referred to a business through friends, family or an advertisement, check its BBB Business Review first at bbb.org.
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 and helps consumers get quotes from Accredited Businesses 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.
Beware of high-pressure sales tactics. Don’t feel pressured into making an on-the-spot decision. If a contractor is confident in their work, they’ll allow you the time to research and make a wise decision.
Beware of large 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.

Victims that either don’t have insurance or enough to cover their losses may now qualify for assistance from the Federal Emergency Management Agency. Funds may be available to help individuals and families pay for temporary housing, medical expenses, personal property damage and transportation. Registration can be done over the phone by calling 1-800-621-3362 or online at fema.gov.

BBB invites local community to free electronics recycling event

5/1/2013

Posted on 5/1/2013 by

Saturday May 4, 2013 from 9 a.m. - 12 p.m.at Dell’s Round Rock campus

AUSTIN – May 3, 2013 - Better BusinessBureau invites consumers and businesses in the Central Texas area toparticipate in a free secure data destruction and electronics recycling eventon Saturday, May 4 from 9 a.m. – 12 p.m. at Dell’s Round Rock campus.

GlobalEnvironmental Services (GES) will be on hand to take andrecycle your old computers, monitors, printers, circuit boards, fax machines,hard drives and laptops. We’ll also recycle your old cell phones. Cintas willalso provide a limited number of shredding trucks for on-site document andpaper shredding. Please no more than two boxes of sensitive documents pervehicle.

BBB servingCentral, Coastal, Southwest Texas & the Permian Basin offersfree annual events focused on helping consumers protect their personalinformation and prevent identity theft. Last year, your local BBB helped safelyprocess and destroy nearly 30,000 pounds of computer and electronics material,which would otherwise be left vulnerable to identity thieves.

Identity theft is a growing problem in the United States. AFederal Trade Commission Consumer SentinelNetwork report showed that there were 369,132 complaints filed in 2012 relatingto identity theft, which is more than double the number of complaints filed adecade earlier.

While identity theft prevention is the primary focus, this freeevent also helps protect the environment; with no material ending up in ourlocal landfills. For more details about this event visit our website ataustin.bbb.org.

Where: Dell’s Round RockCampus, Parking Lot of Building 8 (1 Dell Way)
Cost: FREE
When: Saturday, May 4(9am – 12pm or until trucks fill up)
What tobring: Electronics (computers, hard drives, monitors, oldfax machines, laptops, printers, circuit boards, even old cell phones)

A special thanks to our sponsors:

CPSI collects consumer complaints of threats and harassment

5/1/2013

Posted on 5/1/2013 by

BBB advises consumers to be very cautious when receiving collection calls

CORPUS CHRISTI, Texas — May 1, 2013 — CPSI Loss Prevention/Security is in business to collect debts, but the Corpus-Christi-based company has also collected numerous consumer complaints alleging threatening, harassing behavior.

Better Business Bureau has received close to 60 complaints against the collection company over the last 36 months. Consumers report the company threatened to have them sent to jail, threatened lawsuits and were rude and uncooperative when asked for documentation of their debt.

While the company has resolved many complaints, BBB has not received a response from CPSI regarding more than a dozen of those complaints.

Tammy Fairchild of Florida said the company drafted money from her account without permission, yelled at her over the phone when she called about the payment. She claimed the company threatened to have her thrown in jail.

Fairchild said the company contacted her in the fall of 2012 over a bad check. She said she agreed to pay a one-time payment of $100 toward the amount she owed. Fairchild said CPSI took another $100 from her account in December without asking and when she called about it, a company representative yelled at her.

“I kept calling back,” Fairchild said. “They said to stop harassing them and said, ‘we will put you in jail.’ I went to my bank and filed it as a fraud report and the bank returned the $100. The company keeps calling.”

Sandy Mahoney of Indiana filed a BBB complaint against the company in Aug. 2012. She said the company called her late at night and left a threatening message. She said she called back and left a message, but CPSI did not return her call to resolve the matter.

“They called late, like 9 o’clock at night,” Mahoney said. “They said to call them back in 24 hours or they would file charges against me and take me to court.”

The company goes by many other names, including: Certi-Med, Check Plus, Check Plus Revenue Collection Service, Check Plus Systems National Notification Section, Check Plus Systems, Inc., Check Plus, Inc., CPS -Security Division, CPS Security and Medical Credit Collection Department.

While it does not eliminate legitimate debts, the Fair Debt Collection Practices Act (FDCPA) requires debt collectors to treat you fairly and prohibits certain methods of debt collection. Personal, family and household debts are covered under the Act.

Under FDCPA, debt collectors:

may not contact you before 8 a.m. or after 9 p.m. unless you agree (Section 805 (a)(1))
must not contact you if you write a letter to the collector telling the company to stop.(Section 805(c))
must send you a written notice telling you the amount of money you owe, the name of the creditor to whom you owe the money and what action to take if you believe you do not owe the money, within five days of initial contact. (Section 809(a))
may not contact you if you send the collection agency a letter stating you do not owe the money within 30 days after you receive the written notice. (Section 809(b))

Additionally, if you receive a call from a debt collector, BBB advises you to follow these steps:

Research the collector and/or agency. Get the debt collector's name and contact information and verify that the representative who called is affiliated with the agency. Check the company’s BBB Business Review at bbb.org to see the history of complaints and details about the company.
Don’t ignore errors. If you have no outstanding debts in your name, contact any involved parties to clear up inaccuracies on your credit report. Write a detailed letter and include supporting documents to prove your case.
Check for identity theft. If contacted by a collection agency regarding erroneous bills or debts, it could be an indication of identity theft. You can review your credit report for free once a year at annualcreditreport.com.
Know where to turn. Report any problems with debt collectors to your Better Business Bureau, your state’s Attorney General’s office or the Federal Trade Commission.

Tips to ensure a smooth move this National Moving Month

5/1/2013

Posted on 5/1/2013 by

BBB tips for consumers looking to hire a mover

AUSTIN, Texas - May is said to be the busiest time of the year for Americans to move into a new home, and Better Business Bureau wants to remind consumers to do their homework first before hiring a mover during National Moving Month.

In 2012, Better Business Bureau received 11,167 complaints against movers nationwide. Most complaints alleged damaged or lost goods or final prices being in excess of original estimates.

According to the Texas Department of Motor Vehicles, all household goods and motor carriers (movers) operating within Texas are required to have an active certificate of motor carrier registration and abide by the motor carrier rules and regulations. Regulations include a written proposal or estimate that shows a guaranteed price or a “not to exceed” maximum amount for the move and a final copy upon completion indicating total charges.

If you’re planning to hire a mover, BBB recommends consumers follow these steps:

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 protectmymove.gov to find federally 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 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. 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 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.

Don’t let your child’s senior celebrations leave you with bad memories

4/29/2013

Posted on 4/29/2013 by

BBB tips for prom and graduation preparations

AUSTIN, Texas - As the school year ends, the festivities begin. From graduation get-ups to prom preparations, the expenses can quickly add up for parents.

Graduation can be a year-long expenditure; from invitations and photos to caps and gowns. A senior prom, however, can quickly add to a pricey last-minute event. A new survey from Visa, Inc indicated the average American family plans to spend $1,139 on prom this year, a 5 percent increase from 2012.

Limousines are among the most popular expenses for both festivities. Last year, Better Business Bureau received over 1,700 complaints nationwide regarding limousine services. Most complaints alleged the limo failed to arrive on time, or at all. Other complaints allege consumers had trouble receiving requested refunds.

Besides limo service, there are many other vendors involved in senior celebrations. BBB has advice for parents and their kids who are preparing for prom or graduation;

Prom Tickets – Tickets should be purchased directly from the school or official ticket seller rather than third parties to avoid receiving a counterfeit ticket.
Dresses – The average price fora prom dress or tuxedo can range, but a designer outfit can easily add to any price tag. If your child wants to wear a designer outfit, buy from a reputable retailer. Be cautious of online merchants. What seems like a great deal online may be a counterfeit.
Beauty Services – If your child wants an overall makeover keep in mind other students may want one as well. Schedule appointments as far in advance as possible.
Limousines – Depending on the type of vehicle and the number of hours needed, parents should make sure they have a written contract that includes the hours of service, required fees including gratuities and maximum capacity allowed.
Dinners – The key to preventing a disaster when the bill arrives is advance preparation. Review menus online,make reservations, and determine the payment method and gratuities beforehand.Some restaurants will not split checks for large groups and can charge a higher gratuity for a large party.
Flowers – Flowers for prom can range from a simple corsage or boutonniere to a bouquet of roses. If you are ordering flowers, make sure you use a reliable florist and have a written order that spells out delivery times and specific flower types.
Photography – If you’re hiring a professional photographer, make sure you have a written contract so that you understand what is included.

Parents can check out business reviews for florists, photographers, limousine companies, retailers and salons online at bbb.org.

Don't get burned by a 'hot ticket' scam

4/26/2013

Posted on 4/26/2013 by

AUSTIN, Texas – April 26, 2013– With summer concerts and festivals just around the corner and San Antonio’s Fiesta events in full swing, many fans are eager to get tickets to their favorite events. Better Business Bureau warns that buying a ticket from the wrong person could leave you outside the gates.

Many tend to seek out tickets on classified sites. Unfortunately, several classified sites don’t offer guarantees for buyers, and most often sellers don’t have to prove that the tickets are authentic. Consumers should also be cautious when buying tickets on event day from individuals they don't know. Many times these are cash transactions, which leaves little recourse for the consumer should the tickets turn out to be counterfeit.

BBB offers these tips for those looking to purchase tickets:

Do your research. When purchasing tickets through an online broker, look for a BBB Accreditation Seal on their website and check out their BBB Business Review at bbb.org. Assess the company’s policy for customer satisfaction and what happens if tickets purchased through their site are fake or not as advertised.
Verify the tickets are real. If buying online, ask to see a picture of the tickets so you can confirm the seats match up with the venue. If your friends already have tickets, you can also compare and make sure they look the same as the ones you want to buy. Search for guidance online about how the tickets should look.
If it sounds too good to be true it probably is. The reason tickets are expensive is because they’re hard to get and the chances of you getting lucky and finding a deal are slim. If a situation sounds too good to be true, such as someone selling tickets to a popular event for much less than offered elsewhere, it probably is.
Pay with a credit card or PayPal account. Consumers should avoid paying by cash, check or wiring money to a seller. There is little or no way to get back your money if the tickets do not arrive, which is why scammers often do business this way. Using a credit card or PayPal account provides additional protection and the opportunity for potential reimbursement if the seller is uncooperative or does not follow through with sending tickets.
Watch for hidden fees. Some websites include service charges and additional shipping fees with the purchase of tickets. While these charges should be identified on the website and disclosed to you before the transaction is finalized, read the fine print to make sure you know the total cost that will be billed to your account.

Hundreds turn out for free ID theft prevention

4/24/2013

Posted on 4/24/2013 by

485 consumers participated in BBB’s free Shred Day event in Corpus Christi

CORPUS CHRISTI, Texas — Nearly 500 consumers came out to Better Business Bureau’s free Shred Day event this past weekend. Local consumers and businesses safely disposed of more than 30,000 pounds of confidential documents. In addition to 15 tons of paper shredded, more than 4,000 pounds of computers, cell phones and other electronics were recycled.

“It’s great to see so many consumers taking advantage of this free event,” said Carrie Hurt, CEO of Better Business Bureau serving Central, Coastal, Southwest Texas and the Permian Basin. “Identity theft is still a huge problem in today’s society, and these Shred Day events give consumers the upper hand in securing their private information.”

According to an annual Consumer Sentinel Network report issued by the Federal Trade Commission, nearly one in five of the overall two million complaints they received involved identity theft. Experts say the best way to avoid identity theft is to properly dispose of sensitive documents and your electronic devices. Most smart devices are designed to save your personal information, you may think you erased everything, but a cell phone or computer could still be loaded with data.

In addition to helping consumers protect their identity, Shred Day events have a positive impact on the environment. The amount of paper documents shred and recycled is saving the equivalent of:

· 105 trees

· 30 barrels of oil

· 105 gallons of water

· 61,500 kilowatt hours of electricity – enough energy to power 15 average American homes for 6 months

BBB partnered with Lone Star Shredding and Document Storage, Computer Crusher Recycling Company and KIII-TV, along with the helping hand of numerous volunteers. We thank them for their participation, and making this event so successful!

To sponsor or volunteer for future events, please contact BBB at 361-852-4949.

Don't trash your company's bottom line

4/24/2013

Posted on 4/24/2013 by

Failure to protect sensitive consumer data can be costly

They say one man’s trash is another man’s treasure. That’s not always a good thing. Paper waste can be a treasure trove for thieves – and a major headache for consumers and businesses.

Documents that contain sensitive information should be disposed of in a way that does not allow unauthorized access to personal data.

Last year, the Federal Trade Commission secured a $101,500 civil penalty from a group of companies that manage and own payday lending and check cashing stores. The businesses were charged with tossing confidential paperwork in dumpsters near their locations, including loan applications and credit reports.

While the settlement applies only to the entities named in the order, it is a great reminder to other businesses to take a look at how they manage their disposal of sensitive documents.

The Gramm-Leach-Bliley (GLB) Act requires companies that are “significantly engaged” in providing financial products or services to safeguard sensitive information. The law defines the term broadly, so that it could include businesses such as payday lenders, real estate appraisers, and professional tax preparers.

BBB has the following tips for businesses regarding proper disposal of paper documents:

Shred all sensitive paper documents. Never just deposit them in the trash or dumpster. Ideally, use ashredder that cross-cuts, confetti-cuts, or particle-cuts. For extremely sensitive information use a "disintegrator," "granulator,""hammermill" or "grinder." These devices tear paper at random, or tear paper into extremely small pieces.
Consider using a certified disposal company. The National Association for Information Destruction (NAID) audits their member companies for compliance with the association's standards. Ask if they have been independently audited or certified, and request a copy of the audit or certification.
Do your research. Check the disposal company's BBB Business Review at bbb.org. Ask for several references.
Get it in writing. Ask for a signed agreement that explains the company's procedures for destroying documents.

In its 100th year, BBB breaks records for consumer services

4/24/2013

Posted on 4/24/2013 by

Consumer inquiries up 20 percent, instances of service top 180 million in 2012

AUSTIN, Texas – Better Business Bureau celebrated its Centennial year by ringing the closing bell of the New York Stock Exchange, laying a wreath at the Tomb of the Unknowns in Arlington Cemetery, and helping a record-breaking number of consumers across the United States and Canada. In 2012, the organization set new records in virtually all categories of service:

Total instances of service (online and in person) topped 180 million, up from 142.5 million in 2011, a 27 percent increase.
Inquiries jumped more than 20 percent, from 103 million in 2011 to 124.5 million in 2012.
The number of complaints against businesses in 2012 was 984,721, up more than six percent from 927,256 in 2011.
National charity reports viewed on Give.org were up from 3 million in 2011 to 5 million in 2012.
Visitors to the organization’s website averaged 9 million a month.

Every year, BBB shares which industries were inquired about the most and which received the most complaints.

Here are the following most inquired about industries of 2012:

Industry

2012 Total Inquiries

Rank by number of Inquiries

Percentage Change over 2011

Roofing Contractors

3,502,493

1

5 %

Contractors – General

2,488,480

2

11.5 %

Auto Dealers – Used Cars

2,149,417

3

34 %

Auto Repair & Service

1,915,473

4

21 %

Mortgage Brokers

1,805,244

5

22.5 %

Plumbers

1,773,853

6

16 %

Auto Dealers – New Cars

1,649,661

7

9 %

Collection Agencies

1,543,234

8

40.5 %

Heating & Air Conditioning

1,540,500

9

25.5 %

Construction and Remodeling Services

1,538,574

10

19 %

Here are the following most complained about industries of 2012:

Industry	2012 Total Complaints	Rank by number of Complaints	Percentage Change over 2011	Percentage of Resolved Complaints
Cellular Telephone Service & Equipment	41,809	1	9 %	96.2%
Auto Dealers – New Cars	27,025	2	4 %	87.7%
Television – Cable, CATV & Satellite	25,714	3	3 %	97.7%
Collection Agencies	25,068	4	38.5 %	85.9%
Telephone Communications	17,508	5	265 %	95.6%
Auto Dealers – Used Cars	17,506	6	7.5 %	73.4%
Telephone Companies	16,010	7	2 %	97.2%
Internet Shopping	14,744	8	14.5 %	67.3%
Auto Repair & Service	14,380	9	-.75 %	66.5%
Furniture – Retail	14,003	10	-3.5 %	78.7%

BBB maintains Business Reviews on more than 4.5 million businesses and rates them based on complaint history, responsiveness to customers, licensing, legal and government action,and other factors. In 2012, consumers turned to BBB 124 million times for Business Reviews and Charity Reports on 11,000 charities, all available for free at bbb.org.

Through a self-regulatory process, about 95% of complaints to BBBs are resolved at this level (either the business and consumer work it out, which may impact the business’s rating positively, or the business refuses to cooperate, which may impact their rating negatively). For those that cannot be resolved, mediation or arbitration is offered, and BBB has trained mediators and arbitrators across North America.

Beware of phony solicitations and malicious web links in wake of West, Texas and Boston Marathon tragedies, BBB warns

4/22/2013

Posted on 4/22/2013 by

Malicious web links attaching themselves to the West, Texas tragedy are circulating the web

AUSTIN,Texas – April 22, 2013 – A week-long of tragedies can bring out the best in a community, but unfortunately it can also bring about those looking to take advantage of the situation. Better Business Bureau is warning the public to beware of phony solicitations and avoid clicking on suspicious web links in wake of the recent tragedies.

Shortly after the West, Texas fertilizer plant explosion, a link indicating “CAUGHT ON CAMERA: Fertilizer Plant Explosion Near Waco, Texas,” began circulating the web. Clicking the link would take you to a video of the disaster, but another video window link would appear over the video. If clicked, the subsequent link would download malicious malware on to your computer.

Not long after the word of the Boston Marathon bombings, a charity scam popped up under a fake Twitter account asking account users to retweet information in exchange for a donation. That page was shutdown after users noticed it wasn’t legitimate.

If you’re looking to donate to a charity to help victims, BBB recommends:

Do your homework. Always research a charity through BBB’s Wise Giving Alliance website, www.give.org, before making a donation.
Find a charity yourself. Rather than being pressured into anon-the-spot donation, BBB recommends choosing a well-known charity or one that has been endorsed by local or state authorities in the aftermath of a tragedy.
Confirm text code numbers. If you plan to donate by text message, confirm the text code number directly with the charity. Also, keep in mind that text message donations are typically not immediate. Depending on your cell phone provider, the donation may not show up on your bill for 30 to 90 days.
Avoid suspicious links.Never click on links to charities on unfamiliar websites or in texts or emails.These may take you to a lookalike website where you will be asked to provide financial information. Also, avoid clicking suspicious links asking you to ‘click here’ for ‘never before seen video.’ It may lead you to a site where harmful malware could be downloaded on to your computer.

BBB Warns of Charity Scams, Offers Giving Tips in Wake of Boston Marathon Bombing

4/16/2013

Posted on 4/16/2013 by

AUSTIN, Texas – April 16, 2013 – At least one poorly-conceived charity scam has already emerged in the wake of the explosions at the finish line of the Boston Marathon yesterday, and more are likely. BBB Wise Giving Alliance (“Alliance”), the national charity monitoring arm of the Better Business Bureau, and BBB Serving Eastern Massachusetts, Maine, Rhode Island and Vermont (“BBB Boston”) cautions donors about potential red flags concerning tragedy-related philanthropy.

“Tragedies inspire people to give,” said H. Art Taylor, president and CEO of the Alliance, “but, tragedies – whether natural disasters or manmade catastrophes – also inspire scammers to take advantage of that generosity. Social media, in particular, makes it very easy to reach a lot of people quickly, when emotions are running high and people feel the need to take action, any action, to help.”

BBB Wise Giving Alliance urges donors to give thoughtfully and avoid those seeking to take advantage of the generosity of others:

BBB Wise Giving Alliance: Ten Tips for Giving with Confidence

1. Thoughtful Giving

Take the time to check out the charity to avoid wasting your generosity by donating to a questionable or poorly managed effort. The first request for a donation may not be the best choice. Be proactive and find trusted charities that are providing assistance.

2. Help Spread the Wise Giving Word

Remind your friends and family to be cautious about giving requests in the wake of such a tragedy and ask them to spread the word as well. People are emotionally moved by events like these and may react before they have time to carefully consider.

3. State Government Registration

About 40 of the 50 states require charities to register with a state government agency (usually a division of the State Attorney General’s office) before they solicit for charitable gifts. If the charity is not registered, that may be a significant red flag.

4. Respecting Victims and Their Families

Organizations raising funds should get permission from the families to use either the names of the victims and/or any photographs of them. Some charities raising funds for the Colorado movie theater and Newtown school victims did not do this and were the subject of criticism from victims’ families.

5. How Will Donations Be Used?

Watch out for vague appeals that don’t identify the intended use of funds. For example, how will the donations help victims’ families? Also, unless told otherwise, donors will assume that funds collected quickly in the wake of a tragedy will be spent just as quickly. See if the appeal identifies when the collected funds will be used.

6. What if a Family Sets Up Its Own Assistance Fund?

Some families may decide to set up their own assistance funds. Be mindful that such funds may not be set up as charities. Also, make sure that collected monies are received and administered by a third party such as a bank, CPA or lawyer. This will help provide oversight and ensure the collected funds are used appropriately (e.g., paying for funeral costs, counseling, and other tragedy-related needs.)

7. Online Cautions

Never click on links to charities on unfamiliar websites or in texts or emails. These may take you to a lookalike website where you will be asked to provide personal financial information or to click on something that downloads harmful malware into your computer. Don’t assume that charity recommendations on Facebook, blogs or other social media have already been vetted.

8. Financial Transparency

After funds are raised for a tragedy, it is even more important for organizations to provide an accounting of how funds were spent. Transparent organizations will post this information on their websites so that anyone can find out and not have to wait until the audited financial statements are available sometime in the future.

9. Newly Created or Established Organizations

This is a personal giving choice, but an established charity will more likely have the experience to quickly address the circumstances and have a track record that can be evaluated. A newly formed organization may be well-meaning but will be difficult to check out and may not be well managed.

10. Tax Deductibility

Not all organizations collecting funds to assist this tragedy are tax exempt as charities under section 501(c)(3) of the Internal Revenue Code. Donors can support these other entities but keep this in mind if they want to take a deduction for federal income tax purposes. In addition, contributions that are donor-restricted to help a specific individual/family are not deductible as charitable donations, even if the recipient organization is a charity.

Other Resources:

BBB Wise Giving Alliance is asking anyone who receives a suspicious charitable solicitation to report it to BBB Report a Scam.

The FBI has the lead investigative role following the bombing. Anyone who has information, visual images and/or details regarding the explosions should call 1-800-CALL-FBI (800-225-5324), prompt #3. The FBI says no piece of information or detail is too small.

The American Red Cross says it has enough blood and financial resources committed to Boston at this time, but asks that people make appointments to give blood in the weeks and months ahead.

Boston Mayor Thomas M. Menino offers the Mayor’s 24-Hour Hotline at 617-635-4500 for anyone with concerns about their family members or friends who were at the race.

The Mayor’s office also suggested resources from the National Association of School Psychologists to help children deal with tragedies.

About BBB Wise Giving Alliance: BBB Wise Giving Alliance produces reports on over 1,300 nationally soliciting charitable organizations, and local BBBs report on another 10,000 local and regional charities. BBB Wise Giving Alliance does not rank charities but rather seeks to assist donors in making informed judgments by providing objective evaluations of national charities based on 20 standards that address charity governance, finances, fund raising, appeal accuracy, and other issues. The outcomes of the evaluations are available online at www.give.org. BBB Wise Giving Alliance is an affiliate of the Council of Better Business Bureaus.

About BBB: For more than 100 years, Better Business Bureau has been helping consumers find businesses, brands and charities they can trust. In 2012, consumers turned to BBB 124 million times for Business Reviews on more than 4.5 million companies and Charity Reports on 11,000 charities, all available for free at bbb.org. The Council of Better Business Bureaus is the umbrella organization for 113 local, independent BBBs across the United States and Canada, as well as home to its national programs on dispute resolution and industry self-regulation.

File your last-minute 2012 taxes the right way

4/12/2013

Posted on 4/12/2013 by

AUSTIN, Texas – April 12, 2013 – The deadline’s approaching for taxpayers to file their 2012 tax returns. According to the Internal Revenue Service, 60 percent of taxpayers will enlist the help of a tax preparer and another 30 percent will rely on tax software when filing their taxes. Better Business Bureau encourages taxpayers to use caution when selecting last-minute tax preparation assistance to avoid unforeseen penalties or fees.

In 2012, BBB received over 4200 complaints against tax return preparation businesses. Commonly, complainants stated their returns were accompanied with high fees not previously noted or discussed. Other complaints alleged the tax preparer made errors in their return which resulted in fines.

If you are planning to work with a professional tax preparer, BBB offers the following 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 history of complaints and other background information on the company.
Look for credentials. Seek a tax professional 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 attorneys can represent you in U.S 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 a big refund. 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.
Keep in contact. Many tax preparation services only set up shop for the months leading up to April 15. In case the IRS finds errors, or in case of an audit, you might need to be able to contact your tax preparer throughout the year; be sure to use a company you can stay in touch with.
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 an inflated 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 deposited directly in your account.

Keep your Bluetooth both hands-free and hack-free

4/8/2013

Posted on 4/8/2013 by

BBB advises consumers on how to protect their Blue tooth devices from hacking scams

AUSTIN, Texas – April 5, 2013 - Cell phone users are increasingly turning to Bluetooth technology to talk hands-free on their phones. According to the Governors HighwaySafety Association, ten states have passed laws which prohibit all drivers from using handheld cellphones while driving. As hands-free devices gain popularity, scammers are finding ways to exploit it.

Scammers use specialized software to intercept your Bluetooth signal and hack into your device. It's called "bluebugging." Doing this gives them access to your text messages, contacts, photos and call history.

Scammers tend to hang out in busy areas in order to hack into phones. They sometimes use hacked phones to make long distance calls. However, the newest scheme has scammers using the hacked number to set up pay-per-minute numbers to rack up charges.

Better Business Bureau offers tips to ensure your personal data stays safe from Bluetooth hackers:

· Passwords. Always use a minimum of eight characters in your PIN. The longer your code, the more difficult it is to crack.

· Sign-off. Switch your Bluetooth into "not discoverable" mode when you aren't using it. If you make a call from your car, be sure to switch it off when you get out.

· Be wary of unknown requests. Don't accept pairing requests from unknown parties. If you happen to pair your phone with a hacker's computer, then all your data is at risk.

· Stay updated. Make sure you download and install regular security updates. Device manufactures will release updates to address threats and correct weaknesses.

BBB serving Central, Coastal, Southwest Texas & the Permian Basin awarded top 50 “Best Nonprofits to Work For 2013,” for the third year in a row

4/5/2013

Posted on 4/5/2013 by

AUSTIN, Texas – Apr. 13, 2013 - BBB serving Central, Coastal, Southwest Texas and the Permian Basin was recently selected as one of the Best NonProfits to Work For 2013 by The NonProfit Times, a national publication covering the business management of non-profit organizations throughout the U.S.

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 NonProfits to Work For 2013 list is made up of 50 organizations.

BBB significantly improved its ranking on the list this year from 37^th last year to 13^th place this year, and 6^th place in the ‘medium’-sized category, which consists of 50 to 249 Employees.

Organizations from across the nation entered the two-part process to determine the Best Nonprofits to Work For 2013. 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.

BBB serving Central, Coastal, Southwest Texas and the Permian Basin has been profiled and ranked in The NonProfit Times April, 2013 issue. For more information on the Best Nonprofits to Work for 2013, visit www.bestnonprofitstoworkfor.com. For employment opportunities with BBB, visit centraltx.bbb.org/BBB-Jobs.

BBB serving Central, Coastal, Southwest Texas & the Permian Basin awarded top 50 “Best Nonprofits to Work For 2013,” for the third year in a row

4/5/2013

Posted on 4/5/2013 by

AUSTIN, Texas – Apr. 13, 2013 - BBB serving Central, Coastal, Southwest Texas and the Permian Basin was recently selected as one of the Best NonProfits to Work For 2013 by The NonProfit Times, a national publication covering the business management of non-profit organizations throughout the U.S.

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 NonProfits to Work For 2013 list is made up of 50 organizations.

BBB significantly improved its ranking on the list this year from 37^th last year to 13^th place this year, and 6^th place in the ‘medium’-sized category, which consists of 50 to 249 Employees.

Beware of Telephone Grant Scams

4/5/2013

Posted on 4/5/2013 by

BBB tips to prevent falling for a government-grant scam

AUSTIN, Texas – April 5, 2013 Better Business Bureau recently received inquiries from consumers who received suspicious calls from scammers claiming they qualify for a government grant.

BBB officials say this is a popular scam since most people are not familiar with government grant programs and are not sure if they might qualify for one.

The calls appear to originate from Washington D.C. Scammers claim consumers were randomly picked to receive a seven or nine thousand dollar grant from the government.

BBB says grant scammers generally follow a script. They congratulate you on your eligibility, then ask for your checking account information to either deposit the grant into your account, or to pay a one-time processing fee. The caller may even reassure you that you can get a refund if you're not satisfied.

To avoid being a victim of a grant scam, BBB has the following tips:

Don't give out your bank account information to anyone you don't know. Don't share it unless you are familiar with the company or person and ask why the information is necessary.
Don't pay any money for a "free" government grant. A real government agency won't ask you to pay a processing fee for a grant that you have already been awarded.
Just because the caller says they are with a branch of the government doesn't mean they are. Take a moment to check the blue pages in your telephone directory, or do a Google search to check if the government entity exists.
Phone numbers can deceive. Scammers can use internet technology to disguise their area code in caller ID systems. Although it may look like they're calling from Washington, D.C., they could be calling from anywhere in the world.

File a complaint with the Federal Trade Commission if you think you have been a victim of a government grant scam, complaints can be filed with the FTC online or over the phone, 1-877-FTC-HELP (1-877-382-4357).

For more information, visit bbb.org.

Don’t sweat it! Get your air conditioning unit checked before the summer heat hits

4/5/2013

Posted on 4/5/2013 by

BBB tips on finding the right AC contractor

AUSTIN, Texas — April 5, 2013 — Summer is just around the corner, and soon homeowners will be relying on their air conditioners to beat the heat. April is the perfect time to make sure your unit is in good working order. But, before scheduling an AC tune-up, Better Business Bureau suggests homeowners do their research first.

In 2012, your local BBB received 189 complaintsagainst air conditioning & heating contractors. Most complaints allegedover-billing and unethical business practices, such as contractors makingmisleading or false claims about the price of their services.

According to Energy Star, heating and cooling a home costs the average homeowner about $1,000 a year — nearly half the home's total energy bill. Without proper maintenance, ACs have to work harder and use more electricity. Additionally, a tune-up can detect problems before they escalate,such as a buildup of dust and debris.

Before getting your AC checked, BBB has these tips to help you find a trustworthy contractor:

Consult your owner’s manual. Before doing anything, check the warranty on your current air conditioning unit to determine whether any tune-ups, repairs or replacements may be covered.
Research the company. Visit bbb.org for the BBB Business Review of the AC service company you plan to hire to learn details about the company, including its history of complaints and other issues.Visit checkbbb.org for a list of Accredited Businesses.
Checklicensing. The Texas Department of Licensing andRegulation requires a license for HVAC technicians and electricians. Ask to seea copy of the license before work starts.
Compare prices. Get at least three estimates in writing. All bids should provide a full description of the services provided and the materials used.
Review warranty coverage. If the company offers any type of warranty or guarantee, make certain you understand the terms and conditions of the coverage.
Ask about energy efficiency. Many new air conditioning units are manufactured to be significantly more energy efficient than others, which often qualifies for tax deductions. If you find yourself in need of a new unit, make sure you get the necessary paperwork to cash in on those savings.

BBB Announces 2013 Board of Directors

4/3/2013

Posted on 4/3/2013 by

BBB serving Central, Coastal, Southwest Texas and the Permian Basin is proud to announce that the 2013 Board of Directors were officially installed at the 62nd Annual Meeting on February 28, 2013. 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 in our local communities.

2013 BBB Officers

Chair: Monica Davis, Davis Group, Inc./ Teleclip, Inc.

Chair-Elect: Bobby Hoxworth, First National Bank Texas

Secretary: Doug Davidson, BMC Select

Treasurer: Patti Smith, KVUE-TV, Inc.

Immediate Past Chair: Nancy Thompson, Bolton Real Estate

Services

President/CEO: Carrie A. Hurt, Better Business Bureau, Inc.

2013 BBB Executive Committee

Jon Eckert, Comerica Bank

Laurens Fish III, Weed-Corley-Fish Funeral Home

T. Getterman, Supercuts

2013 BBB Legal Counsel

Laura Lee Prather, Sedgwick LLP.

2013 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

Jeff Evins, Evins Personnel

Kathryn Frank, Kathryn Frank CPA

Bobby Jenkins, ABC Home &Commercial Services

Stan Johnson, Jr., Stan’s Heating& Air Conditioning, Inc.

Susan Jones, Extraco Banks Mortgage Department

Heather Ladage, Austin BusinessJournal

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

Keep your child and yourself a happy camper this summer

4/3/2013

Posted on 4/3/2013 by

BBB tips on making a wise choice for your child’s summer camp activities

AUSTIN, Texas – March 29, 2013 – Summer is just around the corner and now is the time to start planning your summertime activities. According to the American Camp Association, there are more than 12,000 day and resident camps nationwide. When looking for the appropriate one for your child, Better Business Bureau recommends parents do their research to ensure they find a camp that is both financially fit for their pocketbook and fundamentally right for their child.

BBB received more than 100 complaints against various camps nationwide in 2012. Most complaints alleged refund issues, including camps’ failures to respond to notices of cancellation. This resulted in unauthorized credit card charges. Other complaints alleged cancellation of camp programs due to low registration.

Parents have a variety of choices dependent on their child’s age and interests. In addition to checking with 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. According to the American Camp Association, there is no government oversight of camps, so it’s especially important to look for facilities that are certified by the ACA. The organization 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 specialized 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. Check out the medical facilities to be sure they are adequate. Find out if a nurse or doctor is on-site. Inquire about the procedures for transporting injured or sick children to nearby medical facilities 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.

A bad credit score is no April Fool’s Day joke

4/1/2013

Posted on 4/1/2013 by

BBB gives tips to prevent credit card identity theft

AUSTIN, Texas – April 1, 2013 –There are numerous ways in which an identity thief can make unauthorized charges on your existing credit card accounts, or open new accounts under your name.

The annual Consumer Sentinel Network report issued by the Federal Trade Commission indicated that of the overall two million complaints received, nearly one in five involved identity theft.

Among the 369,132 alleged identity theft complaints, 13 percent referenced credit card fraud, the second most common form of identity theft reported.

To avoid falling victim to credit card identity theft, Better Business Bureau recommends consumers be proactive in securing their information.

· Shred all sensitive documents. Avoid storing documents that contain personal information you no longer need including credit card applications, insurance forms, financial statements, health forms,and other billing statements.

· Sign up for direct deposit. Having any paychecks, social security or pensions delivered electronically to you make them easier to track.

· Passwords. Always select a unique password in regards to online banking. Avoid using your name, birth date or the last four digits of your SSN.

· Check your statements regularly. Monitor bank and credit card statements for fraudulent activity. Know what dates your bills arrive. Late or missing bills can indicate your information has been compromised.

· Check your free credit report annually. Look for unknown accounts on your credit report, especially if you get turned down for credit, a loan or a job.

· Be careful about sharing your Social Security Number. Ask why your number is needed, how it will be used and what will happen if you refuse.

The most important thing to do when you discover identity fraud is to take action right away. Remember to keep records of all your telephone calls and other correspondence with companies regarding the identity fraud. If necessary, close all your accounts. You should keep credit card records in a safe place so you can report a loss quickly. Contact each of the three major credit bureaus (Equifax, Experian and TransUnion) if you discover that you are the victim of identity fraud.

Businesses billed hundreds of dollars for unordered services

3/28/2013

Posted on 3/28/2013 by

BBB warns businesses to be on the lookout for fake Yellow Pages bills

Better Business Bureauis reporting a possible scam targeting businesses. BBB has received complaints about companies posing as the Yellow Pages Directory and using a variety of strategies to get money from businesses.

Some business owners allege companies have mailed or faxed fake invoices for yellow pages advertising or similar directory services. Others allege that sales representatives have contacted their business to sell advertising in directories that do not exist.

Another report to BBB alleges a company calling a business to confirm the address and phone number, then sending a bill for a service the business “agreed to” on the phone. Often, the fake yellow pages company will record the phone call and modify the recording to make it appear the victim agreed to buy advertising.

Companies looking to defraud business owners will often incorporate “yellow pages” into their names, as neither that name nor the walking fingers logo is copyrighted.

For example, last year, The Federal Trade Commission issued an action against Jan Marks; Yellow Page Marketing B.V., also doing business as Yellow Page B.V. and Yellow Page (Netherlands) B.V.; Yellow Publishing Ltd.; and Yellow Data Services Ltd.

BBB offers these tips for business to avoid yellow pages scams:

Watch for fraud. Alert your accounting personnel to be on the lookout for disguised solicitations, fake invoices and fraudulent phone calls. Read Yellow Pages offers carefully, including any small print. Look for terms and conditions, as well as costs. If you do not remember purchasing any yellow pages advertising, be wary of invoices claiming you owe money for such ads.
Route the calls to a single employee. Any calls to confirm directory listings or advertising should be forwarded to one employee or small department. That employee should be trained in how to confirm that a directory is legitimate and keep a list of every directory your company has agreed to be in. This ensures that your advertising and directory listings are tracked, and prevents scammers from claiming that another employee agreed to charges.
Do your research. Once you have the exact name of the company publishing the directory, check out its BBB Business Review to see if it is affiliated with a possible scam.
Verify the company name. Directories may have names that sound alike, so look closely to see who the offer is from. Independent directory publishers use the term “yellow pages” as well as local telephone companies.

Better Business Bureau announces Laws of Life winners

3/27/2013

Posted on 3/27/2013 by

SAN ANTONIO, Texas – March 27, 2013 – Better Business Bureau serving Central, Coastal, Southwest Texas and the Permian Basin’s second annual San Antonio regional Laws of Life Essay Contest concluded last night. Local sixth- 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 590 entries, 13 finalists and their families were invited to attend a special ceremony where the following regional winners were announced and awarded a cash prize and certificate signed by Mayor Julian Castro:

1st Place: Robert Trevino – Krueger Middle School – 7^th Grade

2nd Place: James Daley – Kruger Middle School – 7^th Grade

3rd Place: Laura Kwon – Krueger Middle School – 7^th Grade

4th Place: Brooke Casey – KIPP Aspire Academy – 6^thGrade
Alyssa Quintero – School of Science & Technology – 6^th Grade
Hunter Schenk – San Antonio Academy – 7^th 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, president and CEO of BBB serving Central,Coastal, Southwest Texas and the Permian Basin. “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 judged by a panel of professionals from the business and academic communities. The event was sponsored by Americus Diamond, Academic Excellence Tutoring, County Wide Service, JPM Communications, Mike's Appliance, Randolph Brooks Credit Union, Southwest Exteriors, John Templeton Foundation and WalMart.

Schools interested in participating in next year’s Lawsof Life Essay Contest should contact Dean Taylor, BBB education director, at 210.212.1123or dtaylor@sanantonio.bbb.org.

Some online furniture purchases cause consumer discomfort

3/27/2013

Posted on 3/27/2013 by
BBB advises consumers to do their research before they buy

AUSTIN, Texas — Better Business Bureau advises consumers to do their research before purchasing furniture online.

BBB has received more than 2,600 complaints nationwide about retail furniture stores so far in 2013. Common consumer complaints allege furniture was not as advertised, not delivered in a timely manner or arrived with damage.

Consumers also allege customer service issues including refusal to repair damage, unsatisfactory repairs and problems with installation.

Austin resident Maher Alhakim found what he thought was a nice faux marble dining set on an online retail website. He said he received a much lower-quality version that did not match the advertisement.

“I ordered the item from the company,” he said. “They claim it is artificial marble or some other name that sounds like the same product. It turned out to be a peel and stick image of marble. You can scratch it by hand.”

Alhakim said he returned the furniture and received a refund, but had to pay half of the dining set’s total cost as a shipping fee. He said he is still unhappy with the company, which he claimed misled him about the furniture he ordered.

“The images and description do not match the product,” he said. “I bought the product in good faith.”

Corpus Christi resident Rae Kane purchased a new leather sofa online. She said the sofa arrived several months late and was damaged during shipping. The company agreed to repair the damage, but she said the repairs were not satisfactory and the tears were still visible.

“They sent someone to patch it,but who wants patched, new furniture?” Kane said. “There were four spots in the back that were torn in shipping.“

She said she called the company on numerous occasions, requesting a new sofa, but has not received a response.

“They always say they are going to get back to you, but you never hear from them,” she said. “You can’t get anywhere with them. I’ve never had customer service this bad. All they have to do is replace the sofa.”

When shopping for furniture online, BBB offers the following tips:

Do your research. Check the company’s BBB Business Review at bbb.org before making a purchase to see its BBB rating, complaint history and more.
Read the fine print. Many stores offer discounts or give-a-ways with purchase, but make sure you know the terms of any deals, as well as the company’s refund policies and warranties before committing to a purchase.
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, any guarantees and the delivery date are in the paperwork.
Understand the terms of financing. When possible, pay in full with a credit card that offers purchase protections. If the store offers a special financing deal or you decide 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 servingCentral, Coastal, Southwest Texas and the Permian Basin at (512) 445-4748.

Post card offers free airline tickets, delivers sales presentation

3/20/2013

Posted on 3/20/2013 by
BBB advises consumers to look twice at airline offer

AUSTIN, Texas — March 20, 2013 — “In celebration of our new year packages we've selected you to receive 2 round trip airfares to anywhere in the contiguous United States —good for the next 12 months!”

But, not really.

Better Business Bureau is issuing a warning about Austin-based Platinum Travel Network’s deceptive post cards. Consumers allege they receive post cards with the American Airlines or another well-known airline’s logo telling them they won two free tickets.

However, when consumers contact the number on the post card,they are asked three “qualifying” questions, like “Are you single or married?”Those who “qualify” are invited to attend a 90-minute presentation in exchange for the airline tickets.

More than a dozen consumers have filed complaints against Platinum Travel Network, many alleging they were subjected to high-pressure sales tactics after attending the presentation. Some alleged they felt misled by the post card and the company did not provide the promised tickets.

In addition, despite the post card’s claim that the tickets are good for anywhere in the contiguous United States, the company told a BBB investigator that was a mistake. The tickets are really only available to certain cities.

BBB contacted the company about its misleading claims as well as the use of the American Airlines logo, which leads consumers to believe the offer is associated with the airline. The company did not respond to that letter.

BBB advises consumers to be wary of any letters, emails or phone calls claiming they have won a prize, especially if the consumer does not remember entering a contest. Often, these are scams meant to steal money or personal information.

Here are some images of a postcard that a recipient sent to a BBB:

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 acompany and findtrustworthy businesses, visit bbb.org.

Dietary supplements could cause more harm than benefit, BBB warns

3/18/2013

Posted on 3/18/2013 by

AUSTIN,Texas – March 18, 2013 – Whether you’re trying to lose weight, build muscle or just live a healthier lifestyle, supplements can aid you in achieving your desired outcome. However, Better Business Bureau urges consumers to be extra cautious before testing out a new product.

According to the FDA, “Generally, manufacturers do not need to register their products with FDA or get FDA approval before producing or selling dietary supplements.”

In 2012, BBB received more than 2,000 complaints nationally against various vitamin and food supplement retailers and manufacturers. Many of those complaints allege dissatisfaction with customer service and issues with billing. Some complaints also allege consumers had adverse reactions to supplements or felt misled by product claims.

Before adding a supplement into your daily routine, BBB advises you:

Consult your doctor or healthcare provider. Certain supplements and ingredients can be potentially dangerous when mixed with medications or if someone is pregnant, nursing or has a preexisting health condition. Always consult with your doctor first.
Research the supplement. The Food and Drug Administration is a great resource for researching supplements and their ingredients. You can also go to bbb.org to check out the BBB Business Review of any retailer or manufacturer that makes the supplement you’re interested in purchasing. Additional information on product claims, the safety and effectiveness of the product, as well as any reports of adverse effects can be acquired directly from the product manufacturer or distributor.
Be cautious of too-good-to-be-true claims. If a product is touting exaggerated claims or instant fixes, this is a red flag. If it sounds too good to be true, then it probably is.
Be extra diligent when searching products on the Web. When searching for information about supplements online, use respected websites such as those run by the government, university research or reputable medical databases rather than just doing a quick search through a search engine.

Five ways to ensure you’re hiring the right lawn care company

3/18/2013

Posted on 3/18/2013 by

BBB advises consumers to get a contract in writing & set clear expectations

AUSTIN, Texas — March 18, 2013 — For those that lack a green thumb, hiring a lawn care service or landscaper can ease the burden of beautifying your own yard. But, Better Business Bureau advises consumers to get clear, written expectations for what services the company will provide, and agree on a fee before work starts. Otherwise, dreams of a green wonderland could quickly turn into a brown wasteland.

In the past 12 months, your local BBB received over 150 complaints against landscaping and lawn maintenance contractors. Many of the complaints allege dissatisfaction with the services provided and companies not performing the agreed upon duties. Other complaints allege problems with billing.

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. Check out any company’s BBB Business Review at 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. For an online directory of Accredited Businesses visit checkbbb.org.
Check references. Ask the company for references and photos of previously completed projects. Call all references and ask what their experience was working with the company and if they were satisfied with the services provided.
Ask for a lawn inspection and free estimate. Lawn care companies that quote a price without seeing your lawn may not give you an accurate estimate. A company should be willing to visit your home to provide you with an agreed upon fee.
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 using a recurring service, the contract should also include how often the company will come out to work on your lawn, how to cancel the service and a schedule for when payments are due.

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

3/15/2013

Posted on 3/15/2013 by

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

AUSTIN,Texas — March 15, 2013 — Consumers across Texas frequently contact BBB regarding the authenticity of an email, letter or phone call announcing they’ve won a substantial sum of money. As St. Patrick’s Day draws near, Better Business Bureau reminds consumers to be cautious of claims they’ve won a pot of gold.

Scammers use major holidays, big events and disasters as an opportunity to target consumers and lure them into scams. Sweepstakes scams are so popular because they play on consumer’s emotions and dreams of financial freedom.

Red flags to watch for when receiving a winning offer over the phone, through email or in the mail:

It asks for detailed personal information.
You don’t remember entering a contest.
You are asked to forward a portion of the money received back to the sender or to another company to pay for taxes, shipping fees, etc.
The name on the check does not match the name of the company or person you are dealing with.
The lottery application or announcement comes via telephone or mail from outside the country.

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

Check out the business. Go to bbb.org to check out details about the company making the offer, and see if there are any complaints filed against the business.
Don't pay to collect winnings. 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.
Verify that the check is legitimate. Call the financial institution directly to verify that the check will draw from an actual account. Do not use the money until the funds have been collected by your financial institution. It is a red flag if the company name on the check does not match the name of the business writing the letter.
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 mailed by bulk rate.

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

BBB SBQ Form Virus Email

3/15/2013

Posted on 3/15/2013 by
Austin - 15 March

We've recently seen an increase in the number of people receiving an email that's supposedly from BBB. The message is regarding an SBQ, or Standard Business Questionnaire.

These forms are sent out to BBB Accredited Businesses, as well as non-Accredited Businesses to ensure our business records and reviews are always accurate and up to date.

Here are some examples of legitimate SBQ emails from BBB Serving Central, Coastal, Southwest Texas and the Permian Basin:

SBQ Form Sent to Accredited Businesses

SBQ Form Sent to Non-Accredited Businesses

However, the recent spam campaign is trading on the BBB brand and urging message recipients to download, print, and fill out an SBQ form.

This is a common trick used by spammers to infect victims' computers with malware and viruses.

Here's an example of a fake BBB SBQ email:

The attachments spammers are asking recipients to download may include:

BBB SBQ Form.zip
BBB SBQ Form.exe

***BBB will never ask you to download and print an SBQ form.***

Cisco Security is aware of this threat outbreak, and has some additional information on the email here: Threat Outbreak Alert: Fake Better Business Bureau Inquiry E-mail Messages on on March 14, 2013

If you receive, or have received anything similar to the fake email above, do not open or click anything in the email, and please don't hesitate to email BBB to verify it's legitimacy.

You can find the BBB closest to you by visiting www.bbb.org. You can also forward any spam emails to phishing@council.bbb.org.

In its 100th year, BBB breaks records for consumer services

3/14/2013

Posted on 3/14/2013 by

Consumer inquiriesup 20 percent, instances of service top 180 million

AUSTIN, Texas – March 14, 2013 – Better Business Bureau celebrated its Centennial year by ringing the closing bell of the New York Stock Exchange, laying a wreath at the Tomb of the Unknowns in Arlington Cemetery, and helping a record-breaking number of consumers across the United States and Canada. The organization set new records in virtually all categories of service:

· Total instances of service (online and in person) topped 180 million, up from 142.5 million in 2011, a 27 percent increase.

· Inquiries jumped more than 20 percent, from 103 million in 2011 to 124.5 million in 2012.

· The number of complaints against businesses in 2012 was 984,721, up more than six percent from 927,256 in 2011.

· National charity reports viewed on Give.org were up from 3 million in 2011 to 5 million in 2012.

· Visitors to the organization’s website averaged 9 million a month.

“These numbers confirm BBB’s leadership in helping consumers make smarter buying decisions,”said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “They demonstrate the trust that consumers place in us to give them good information, to steer them toward good businesses and away from bad ones, and to help them resolve problems when they arise. It’s gratifying as we enter our second century to know that our brand is more relevant than ever.”

BBB maintains Business Reviews on more than 4.5 million businesses and rates them based on complaint history, responsiveness to customers, licensing, legal and government action, and other factors. Nearly 400,000 of those businesses are Accredited Businesses that meet the BBB Code of Business Practices and are permitted to display the BBB logo in their marketing and place of business.

Every year, BBB shares which industries were inquired about the most and which received the most complaints. They are as follows:

Inquiries:

Industry	2012 Total Inquiries	Rank by number of Inquiries	Percentage Change over 2011
Roofing Contractors	3,502,493	1	5 %
Contractors – General	2,488,480	2	11.5 %
Auto Dealers – Used Cars	2,149,417	3	34 %
Auto Repair & Service	1,915,473	4	21 %
Mortgage Brokers	1,805,244	5	22.5 %
Plumbers	1,773,853	6	16 %
Auto Dealers – New Cars	1,649,661	7	9 %
Collection Agencies	1,543,234	8	40.5 %
Heating & Air Conditioning	1,540,500	9	25.5 %
Construction and Remodeling Services	1,538,574	10	19 %

The number of inquiries received per industry is not surprising, as consumers tend to do more research on large purchases such as cars and home remodeling. The top four categories for inquiries remained the same from 2011, and most of the rest changed only slightly.

Complaints:

Industry	2012 Total Complaints	Rank by number of Complaints	Percentage Change over 2011	Percentage of Resolved Complaints
Cellular Telephone Service & Equipment	41,809	1	9 %	96.2%
Auto Dealers – New Cars	27,025	2	4 %	87.7%
Television – Cable, CATV & Satellite	25,714	3	3 %	97.7%
Collection Agencies	25,068	4	38.5 %	85.9%
Telephone Communications	17,508	5	265 %	95.6%
Auto Dealers – Used Cars	17,506	6	7.5 %	73.4%
Telephone Companies	16,010	7	2 %	97.2%
Internet Shopping	14,744	8	14.5 %	67.3%
Auto Repair & Service	14,380	9	-.75 %	66.5%
Furniture – Retail	14,003	10	-3.5 %	78.7%

The complaint numbers are also not surprising. The industries that received the most complaints are goods and services almost all consumer use. Telephone communications as a category saw the largest increase in the number of complaints, up 265 percent, which was due primarily to mergers and acquisitions within the industry.

Three industries increased in complaints by more than 35 percent: internet marketing, credit cards and collection agencies. Financial services had the biggest decrease in complaints, about 38 percent.

The Elevation Group makes big claims, offers little proof

3/13/2013

Posted on 3/13/2013 by
BBB advises consumers to be wary of too-good-to-be-true investment offers

AUSTIN, Texas — March 13, 2013 — The Elevation Group claims to give users the “black box investment strategies of the ultra rich,” and teach investors how to earn a guaranteed 6-10 percent return with no risk of principle.However, when Better Business Bureau asked the company to back up those claims, the response lacked substantiation.

BBB recommends consumers be wary of any too-good-to-be-true claims made by financial advisors or self-proclaimed “investment gurus.” Such claims are often unsubstantiated and can sometimes be a red flag for a scam.

BBB received more than 150 requests for information about The Elevation Group in the last 12 months. The company is listed as a wealth building seminar, a category BBB considers to be an inherent problem. Consumers have alleged that similar seminars do not provide the promised returns or are outright scams.

The Elevation Group offers investment advice in the form of articles published on its website, which members pay to access.

In a free introductory webinar on the company’s website,owner Michael Dillard paints a grim picture of our country’s future. He makes a number of predictions, one of which is the collapse of the U.S. dollar. He claims he can help consumers avoid financial ruin during this collapse with the secret investing techniques he has collected. To access these secrets, he charges as much as $197 per month.

In December, BBB questioned several claims made in thiswebinar as well as his claims of a guaranteed return, no risk of principle and thatinvestors could pull 100 percent of their money out of the investments atanytime and without paying any tax.

Dillard responded that in order to provide proof of the investment claims, he would have to consult with the certified financial planner who provided the strategy. However, he never provided any substantiation for the claims, nor any information about consumers who have earned the promised returns. In fact, the site he provided for the financial planner showed no claims of guaranteed returns, liquidity of assets or safety of principle.

As for his claim that the U.S. dollar will collapse, he provided the following statement: “Fact: No fiat currency in human history has ever lasted into perpetuity. One-hundred percent of all fiat currencies ever created, have come to an end.”

A fiat currency is simply any currency that derives its value from government regulation or law rather than a hard asset, such as gold or silver reserves. The U.S. dollar, British pound and the Euro are all examples of fiat currencies.

In addition, BBB found Dillard sometimes contradicts his own statements.

While The Elevation Group’s webinar began with a disclaimer that these predictions are Dillard’s personal opinion, he continuously used phrases like “This is reality,” and “This will happen.” When BBB asked him whether he was stating fact or opinion, he responded that the questioned claims were opinion, but were also “mathematically proven.”

Dillard did not provide the mathematical proof that he cited— though he did cite some statistics about the national debt — nor did he respond to BBB’s request that he provide the source for each of his claims. Instead, he said he gathers his information from a variety of sources, and provided links to several websites. He did not respond to BBB’s second request to clarify which claim came from which source.

Dillard also stated that his advice comes from interviews with licensed financial professionals, though many of the articles on his website are authored by “The EVG research team.” BBB asked him to clarify how he verifies the credentials of each expert he interviews, but Dillard did not respond to that request.

When looking into an investment opportunity, BBB offers thefollowing advice:

Do your research. Check the business or investment firm’s BBB Business Review at bbb.org. Also, check out BBB Smart Investing for smart investment tools, advice and tips to avoid scams and fraud from BBB and the FINRA Investor Education Foundation.
Avoid high-pressured pitches. Do not feel pressured to “act now.”Take time to research any possible investment yourself. Any legitimate companywill give you the time you need to make the decision best for you.
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 Commissioner the Financial Industry Regulatory Authority.
Watch out for red flags. There are a variety of investment scams out there. Look for the following red flags:

Requires a large upfront investment. Untrustworthy schemers might try to convince consumers to pay a lot of money upfront so they can get out of town with a large haul, rather than wait for the funds to trickle in.
Promises high returns for low risk. Every investment comes with a level of risk. Typically the amount of risk increases with the potential return on the investment. If the seminar is trying to sell an investment scheme that claims a high return with little or no risk, beware, even if it comes with the promise of a money-back guarantee.
Relies on off-shore investments. Presenters may try to give their scheme an air of sophistication by relying on overseas investments such as foreign currency, property, stocks and bonds. Also, they might falsely claim taxes can be avoided by investing overseas.

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

Dietary supplements could cause more harm than benefit, BBB warns

3/11/2013

Posted on 3/11/2013 by

BBB advice on buying and using dietary supplements

AUSTIN, Texas – March 11, 2013 – Whether you’re trying to lose weight, build muscle or just live a healthier lifestyle, supplements can aid you in achieving your desired outcome. However, Better Business Bureau is reminding consumers that supplements are not regulated by the U.S. Food and Drug Administration, and urges consumers to be extra cautious before testing out a new product.

According to the FDA,product manufacturers “do not need to register their products with FDA or get FDA approval before producing or selling dietary supplements.” The FDA is responsible for taking action against any unsafe supplement after it reaches the market, but is not responsible for regulating or testing the products before they reach store shelves.

Before adding a supplement into your daily routine, BBB advises you:

·        Consult your doctor or healthcare provider. Certain supplements and ingredients can be potentially dangerous when mixed with medications or if someone is pregnant, nursing or has a pre-existing health condition. Always consult with your doctor first.

·        Research the supplement. The Food and Drug Administration is a great resource for researching supplements and their ingredients. You can also go to bbb.org to check out the BBB Business Review of any retailer or manufacturer that makes the supplement you’re interested in purchasing. Additional information on product claims, the safety and effects of the product, as well as any reports of adverse effects can be acquired directly from the product manufacturer or distributor.

·        Be cautious of too-good-to-be-true claims. If a product is touting exaggerated claims or instant fixes, this is a red flag. If it sounds too good to be true, then it probably is.

·        Be extra diligent when searching products on the Web. When searching for information about supplements online, use respected websites such as those run by the government, university research or reputable medical databases rather than just doing a quick search through a search engine.

BBB advice on preparing for SXSW

3/8/2013

Posted on 3/8/2013 by

AUSTIN, Texas — March 8, 2013 — South by Southwest kicks off today, and your Better Business Bureau is warning interactive, music and film fans to be on the lookout for counterfeit badges and wristbands.

Whenever events sell out or buyers try to avoid paying high ticket costs, consumers will often turn to third-party websites. BBB typically receives complaints after big events, with some ticket buyers alleging they did not receive their passes on time, did not receive them at all, or in some cases were sold counterfeits. BBB urges consumers to be cautious in this case.

BBB has these tips to help fans protect themselves financially:

Do your research. Know the going rate for the badge or wristband you’re after, and avoid offers that are deeply discounted or highly inflated. You should buy badges and wristbands directly from sxsw.com.
Avoid wiring money. Be wary when using wire services for payment, because once you pay your money transfers instantly. The recipient is untraceable and you won’t be able to get your money back. Also,avoid having your tickets mailed. Arrange to pick them up in a public place in person.
Verify its authenticity. BBB recommends you verify the legitimacy of the badges and wristbands before you pay. Ask for a receipt. Look at the badge or wristband and compare it to a verified one. If something looks different, or if a seller claims they don’t actually have the badge in hand, walk away.

And if you’re planning to use a mobile device to surf the internet while at the festival, here are some tips to keep your smart phone safe:

Lock your phone. Add a security code to your phone to prevent thieves from accessing your data. Then set your device to lock automatically when not in use for a specified time.
Avoid unsecured Wi-Fi. If you choose to connect to an unsecured or public Wi-Fi network, do not enter passwords or access any personal information.
Beware of unknown apps and links. During SXSW, businesses might promote their apps for you to download. BBB advises you avoid downloading apps without first researching the source. They may contain viruses, malware or spyware that can compromise your personal data.

Scammers Impersonating the FTC to Target Small Businesses

3/7/2013

Posted on 3/7/2013 by
Recently, consumers and small business owners have been receiving emails that appear to be from the FTC, and bearing the subject line: "NOTIFICATION OF CONSUMER COMPLAINT".

These emails contain language and markings that have some recipients convinced they are legitimate, leading them to comply with the email's instructions to click links within the email or download related attachments.

This usually results in the victim's computer being compromised with viruses or other types of malware.

The Federal Trade Commission is aware of this phishing email campaign and has advised users who have received this email or any similar to forward them to spam@uce.gov, and delete them immediately.

Below is an example email.

NCPW Tip: How to find a trustworthy contractor

3/6/2013

Posted on 3/6/2013 by

AUSTIN, Texas – If you’ve decided it’s time to give your home a facelift, or if you are just in need of repairs, Better Business Bureau can help you find a trustworthy contractor.

In 2012, home builders, roofing contractors, construction and remodeling services, plumbers and general contractors made the top 10 list of most inquired about industries. All of these industries combined received more than 1,500 complaints in 2012.

Before selecting your next contractor, BBB offers the following advice to homeowners:

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.

Check in daily with BBB through our website (http://centraltx.bbb.org/2013-consumer-protection-week/), 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.

National Consumer Protection Week: Protecting your computer & smartphone from hackers

3/4/2013

Posted on 3/4/2013 by
AUSTIN, Texas — March 4, 2013 — From phishing emails to unsecure websites to smishing texts, technology can be a minefield for hackers and scammers. In celebration of National Consumer Protection Week, your Better Business Bureau urges consumers to be aware that both smartphones and computers are vulnerable to the same hackers, spammers and malware.

BBB has these tips for protecting your personal devices:

Computer:

· Update your software. Your computer should have the latest anti-virus software installed, along with a secure firewall.

· Shop on trustworthy websites. Check a seller's reputation and record of customer satisfaction at bbb.org. Look for the “s” in https:// in the address box to ensure you’re shopping on a secure website.

· Beware of phishing. Avoid clicking on links from emails sent from anyone you do not know, or if they appear suspicious.

· Set strict privacy settings. Consider restricting access on social network profiles to only friends or family, or people you know. Avoid connecting with anyone on social networking sites who you are unfamiliar with.

· Set strong passwords. Make sure all passwords, most importantly your passwords for online banking, social media accounts and emails are difficult to guess.

Smartphones:

Lock your phone. Add a security code to your phone to prevent thieves from accessing your data. Then set your device to lock automatically when not in use for a specified time.
Update your operating system. Regularly updating your phone closes security loopholes and other back doors hackers can use to access your phone without your knowledge.
Beware of unknown apps and links. Do not download any apps or click on links in your email or social media pages without first researching the source. They may contain viruses, malware or spyware that can compromise your personal data.
Avoid unsecured Wi-Fi. If you choose to connect to an unsecured or public Wi-Fi network, do not enter passwords or access any personal data.
Check your permissions. Check all of your apps to see what data they are accessing and revoke permissions for information those apps don’t need to properly operate.
Delete “smishing” texts. Like “phishing,” “smishing” schemers often pose as banks or lottery sweepstakes asking customers to contact them immediately about a pressing issue that needs to be discussed. Do not reply and erase the message immediately.
Erase old phones completely. If you’re selling, donating or recycling your old phone, ensure all your data is completely erased and the phone is returned to factory settings before letting it out of your possession.

Swipe it! The good and bad of mobile retailing

3/4/2013

Posted on 3/4/2013 by

Increased technology has made it possible for sales to takeplace outside of a “brick and mortar” store. These days, traveling retailerscan make a sale with just the touch of a button and the swipe of a credit cardvia their smartphone.

These smartphone credit card readers offer new opportunitiesfor businesses, however business owners need to make sure that such a system isright for their business.

If you’re not currently accepting credit cards, rememberthat most major brands charge a “swipe fee” to merchants. Texas has lawsforbidding merchants from passing those fees on to consumers, so make sure youfactor that into your costs.

For businesses looking to add the credit card readercapability to their sales technology, BBB recommends the following tips:

Do your research. Just like a landline-based credit cardsystem, you’ll need a merchant account to process payments, a scanner device toread the card, and software (app) to make it run. Don’t skimp on research.Start with your bank or your credit card service for suggestions on recommendedservices and devices. Check out all vendors at www.bbb.org. Ask for references.
Choose the right combination. Your smartphone merchantaccount might interface with your existing landline-based account, and thatwill make life easier. Build from there; find the app you feel comfortableusing that has the features you want. There are over a hundred apps availablefor different smartphones; each is usually compatible with a number ofdifferent swiping devices. The reader itself is the last step (and the easiestto replace or exchange).
Read the fine print. Using a smartphone credit card readermight be a great way to increase your sales while on the road. However, makesure to read the fine print for the smartphone app to make sure that you won’tbe charged while you’re not using it.
Understand the technology. Once you choose a card reader andsoftware, spend some time learning how to use it before offering it to yourcustomers. Run a few test charges on your own. Some apps are more user-friendlythan others, and you want to look competent in front of your customers.
Offer the customer service your shoppers expect. Someshoppers may not be familiar with this kind of payment method. Be sure to offerthem the option of having a receipt emailed to them, or even offer to print thereceipt there with a separate smartphone printer. This will allow your customerto have a record of the transaction and reduce the hassle should the personwant to return the product.
Beware of scams. As with any emerging technology, scammersare figuring out how to exploit vulnerabilities. Don’t buy the devices or appsfrom vendors you don’t know.

Baby boom your branding strategy

3/4/2013

Posted on 3/4/2013 by

Do you know how to engage the nation's aging population?

March 4, 2013 - When looking to create or update the branding strategy foryour business, it’s always important to take every demographic intoconsideration. According to the International Council of Active Aging (ICAA),the majority of adults over the age of 55 feel that advertising does notreflect their current lifestyle, and they are turned off by marketing messagestargeted to them. Better Business Bureau is reminding business owners toinclude aging baby boomers in their branding and marketing.

Creating ads that work is one of the top goals for allbusinesses. And while many boomers are much more apt to rely on referrals thanthe younger generation, 90 percent of adults 50 and older also rely on andcomfortably use email, according to ICAA. Forrester Research found that 49percent of consumers who are 66 or older rely on personal emails to direct themto sites, compared to 28 percent of non-seniors.

One of the problems in today’s marketing world is the factthat many businesses don’t even have a viable strategy for targeting thenation’s 77 million baby boomers, ICAA notes. When creating or sprucing up yourbranding strategy, the best way to make sure that it doesn’t neglect the agingpopulation is to get input from them directly.

BBB and ICAA recommend the following four steps tobusinesses that are looking to make their branding strategy more baby boomerfriendly:

Create ads that work. Don’t assume that you’llreach the aging population by default. Actively design ads to portray babyboomers in a positive, uplifting light. Don’t use negative stereotypes of olderadults to humor younger audiences.
Deliver the message effectively. Tell a storyinstead of lecturing. Let your ad arouse emotions and tug at the heart stringsof your audience. Help your audience understand the message by breaking uplengthy facts into short snippets.
Use terms that work. The key to tugging at thehearts and minds of older adults is to speak their language. Make every wordcount. Business owners should focus their advertising using language thatimplies health, well-being and productivity.
Focus your ad photos using realistic images. Accordingto a recent study by AARP, researchers discovered that images showing exercisethat looks like too much work turns off older adults. Grimacing, sweaty,straining models won’t entice many 50-plus adults to become engaged. Make sureyour business branding strategy uses images that are both realistic and fun.Baby boomers are more likely to engage with your brand if they feel accuratelyrepresented.

For more information on engaging the aging population visit theInternational Council of Active Aging, www.icaa.cc.

BBB prepares for National Consumer Protection Week

3/1/2013

Posted on 3/1/2013 by

NCPW runs March 3 – 9

AUSTIN, Texas – Debt, fraud and bad business practices, oh my! Themodern landscape can be a minefield for consumers. Every year, local, state andnational governments pass new consumer protection laws, but scammers and badbusinessmen continue to thwart the laws’ best efforts.

In aneffort to better empower consumers as they head into the marketplace, Better Business Bureau is joining withfederal, state and local government agencies to promote consumer educationduring National Consumer Protection Week, March 3 – 9.

Thousandsof consumers turn to BBB as the preeminent resource on businesses, and our goalis to go the extra mile in encouraging consumers to take full advantage oftheir consumer rights. Each day during NCPW, BBB will issue a daily consumerprotection tip on a variety of consumer issues, like choosing a contractor,protecting your identity, mobile security and other important marketplaceissues.

BBBprofessionals will also be participating in several speaking engagements acrossCentral, Coastal, Southwest Texas and the Permian Basin educating consumers on identitytheft and common scams.

Check indaily with BBB through our website (http://centraltx.bbb.org/2013-consumer-protection-week/), Facebook (www.facebook.com/yourBBB), Twitter(@CentralTexasBBB) and our blog (watchyourbuck.com) to see the dailyconsumer protection tips and to share ideas and tips of your own.

BBB educates local military during Military Saves Week

2/25/2013

Posted on 2/25/2013 by

AUSTIN, Texas — Better Business Bureau is joining local, state and government organizations for Military Saves Week. This week-long initiative is an opportunity to focus on the financial readiness of military members and their families to help them reduce debt and save for the future.

In conjunction with Military Saves, BBB is committed to protecting military personnel and their families through BBB Military Line. This program brings BBB services to military members and their families to improve their financial literacy and protect them from scams. In 2012, your BBB actively reached out to more than 6,300 military service members and their families.

Between September 2011 and September 2012, these are the industries that received the most complaints frommilitary personnel in our service area:

Insurance companies – 140 complaints
Banks and Credit Unions – 55 complaints
Auto Dealers New Cars – 44 complaints
Air Conditioning and Heating Contractors – 34 complaints
Car Wash and Polish – 22 complaints
Real Estate Services – 21 complaints
Apartments – 19 complaints
Auto Repair & Service – 18 complaints
Appliances Service & Repair – 15 complaints

Throughout the week, your BBB will be participating in several educational speaking engagements across Central, Coastal, Southwest Texas and the Permian Basin on topics ranging from the latest scams targeting military members to managing finances wisely. A full list of all BBB events taking place during Military Saves Week can be found at http://austin.bbb.org/events-calendar/.

BBB tips for securing your mobile device

2/20/2013

Posted on 2/20/2013 by

AUSTIN, Texas — Feb. 20, 2013 — Better Business Bureau is urging consumers to take steps to secure their mobile devices in order to protect themselves from identity theft and malware.

According to a survey released by The Pew Research Center in January, almost half of all American adults now own smartphones. The same survey found that 17 percent of all consumers use their mobile device as their primary means of accessing the internet.

Smartphones can be a treasure trove for hackers. Through apps and mobile browsers, people store personal information like passwords,bank account information and credit card numbers in addition to their contact sand other information.

However, a survey conducted in part by the National Cyber Security Alliance, found that more than one quarter of cell phone users are not aware of common security threats to smart phones and more than half do not know enough about mobile phone security to decide whether or not they need it.

BBB urges consumers to remember that a smart phone is nodifferent than a desktop or laptop computer, in that it is vulnerable to thesame hackers, malware, spyware and viruses.

Here are a few practical tips from BBB to secure your mobiledevices:

Lock your phone. If your phone is lost or stolen, your personal information is at risk. Add a security code to your phone to prevent thieves from accessing your data. Then set your device to lock automatically when not in use for a specified time.
Update your operating system. Those alerts on your smart phone that tell you to update your apps and operating system are more than just a minor annoyance. These updates close security loopholes and other back doors hackers can use to access your phone without your knowledge.
Beware of unknown apps and links. Do not download any apps or click on links in your email or social media pages without first researching their source. They may contain viruses, malware or spyware that can compromise your personal data.
Avoid unsecured Wi-Fi. If you choose to connect to an unsecured or public Wi-Fi network, do not enter any passwords or access any personal data.Bad guys can use such networks as an easy means to hack your device.
Turn off Bluetooth. Bluetooth creates a wireless connection between your phone and other devices or phones. If you are not actively using an enabled device, such as a headset, make sure your Bluetooth is turned off.
Check your permissions. Check all of your apps to see what data they are accessing and revoke permissions for information those apps don’t need to properly operate. Check your phone’s owner’s manual or contact your wireless provider for directions on how to do so.
Report missing devices. If your phone is lost or stolen,immediately report it to your wireless carrier and have the device disabled.
Back up your data. Make sure you have a backup of all the apps and information — especially important photos or other irreplaceable items — stored on your phone in case it’s lost, stolen, hacked or damaged.
Pay close attention to your phone bills. Unanticipated, sudden increases in data usage can indicate a problem. In addition, third-party content providers sometimes add erroneous charges to bills for apps or services the consumer never authorized. In addition, keep an eye out for strange texts and disrupted service. They can be red flags that indicate your phone has been hacked.
Erase old phones completely. If you’re selling, donating or recycling your old phone, ensure all your data is completely erased and the phone is returned to factory settings before letting it out of your possession.There are online tutorials to teach you how to do this, or your wireless provider can walk you through the steps.
Shop with caution. When shopping online with your mobile device,take the same precautions you would with a desktop or laptop. Look for the “s”in the “https://” in the address bar and research sites at bbb.org before providing any personal information or credit card numbers.
Consider mobile security. Many sources offer antivirus or othersecurity apps for your phone. Research them thoroughly before choosing which isright for you.

Avoid getting stranded this spring break; Book your vacation wisely

2/18/2013

Posted on 2/18/2013 by

BBB tips for selecting a trustworthy travel agency

AUSTIN, Texas — A travel agency can make the process of booking your spring vacation quick and painless, but choosing the wrong agency can turn your dream vacation into a nightmare. Better Business Bureau is advising consumers to do their research before booking their next vacation.

In 2012, 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 airline, car rental company and hotel you’ll be using. Call to confirm all arrangements.
Consider travel insurance. Travel insurance is designed to cover such things as trip cancellations or medical emergencies. 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 additional protections should something go wrong with the travel reservation.
Be on the alert for travel scams. Unsolicited mail, email and faxes offering deeply discounted travel packages could leave you out a vacation and money if you’re not careful.

Don’t let ‘catfishing’ hook your heart on Valentine’s Day

2/14/2013

Posted on 2/14/2013 by

BBB cautions consumers to be safe when using online dating sites

AUSTIN, Texas — Feb. 14, 2013 — Valentine’s Day is a day for romance, but Better Business Bureau warns that it can also be an opportune time for scammers to take advantage of those looking for love online.

There has been a lot of talk recently about fake online profiles in light of Notre Dame football star, Manti Te’o, falling victim to a fake profile hoax. While the story is new, the scam is not.

A sweetheart scam, also more recently referred to as “catfishing,” is when someone creates a false identity, usually through social media sites and online dating sites, in the hopes of luring someone into a deceptive romantic relationship.

“Catfish” are looking for personal information and/or financial support. They put a lot of time and effort into building a fake persona and relationship with their victim(s). They’ve even been known to pose as members of the military to tug on heart strings just a little tighter.

Red flags of a catfish scam include a person who:

Only communicates through email, instant message and cell phone.
Is never able to physically meet you in person.
Has a career or life circumstances that takes him or her overseas (i.e. military).
Is quick to develop the relationship and talk of love.
Has a sudden emergency, often involving the health of a child or family member.
Has a reason he or she cannot get money and needs your help.

For those looking to start their search for love, BBB offers the following tips:

Never wire money. It is difficult to get money back from someone who may be misrepresenting themself once it has been sent through a wire service.
Use caution with those who wish to leave the dating site immediately. Many times scammers will attempt to lure you off the dating site to continue communication using personal email accounts.
Take the time to research individuals. If any red flags are raised in your communication with someone, search his or her name through search engines and on social media sites. Copy and paste portions of your emails into search engines to see if they have been associated with scams.

Apartments causing headaches for some residents, BBB warns

2/13/2013

Posted on 2/13/2013 by

AUSTIN, Texas — Feb. 13, 2013 — Better Business Bureau is advising consumers to be aware of their rights and responsibilities before signing an apartment lease. Apartment complexes are consistently on BBB’s top 25 list of most complained about industries.

Nationally, BBB received more than 8,000 complaints about apartments in 2012. Most allege consumers were billed incorrectly, had difficulty getting their security deposits back or did not get repairs handled in a timely manner.

San Antonio resident Eugene Rodgers said he went for months without working air conditioning while the management at his apartment complex dragged its feet.

“They told me stuff to pretty much get me out of the door, ‘Oh, I’m sorry. I’ll handle it,’” he said. “It’s very difficult to be calm and not talk at people like you’re crazy when it’s 90 degrees in your apartment every night.”

He said since it was his first apartment, he had no idea what he could do about the situation. He threatened to move, but the employees at the complex told him breaking the lease would affect his credit.

“I just kept on going to them and telling them and asking them and pleading with them,” he said. “At first I tried to be really nice, and then I tried to be mean to get it done. And then I would go back to my apartment and nobody would show up. I was kind of at the end of my rope.”

He said eventually a new management company took over, and repaired the air conditioning. However, he continues to have trouble with other repairs.

Samuel Tullos, an Austin resident, said that despite thoroughly cleaning his old apartment — including steam-cleaning the carpets — the complex charged him for a list of repairs and cleaning.

“I didn’t think it was going to be a problem,” he said. “Then I got a bill for $200 saying that I needed to get the carpet cleaned, fill nail holes and normal wear and tear.”

Tullos said he contacted the complex to dispute the charges. Under Texas law, landlords cannot charge repairs needed due to normal wear and tear to a tenant. Tullos said many of the other alleged damages had been there when he moved in — and were noted on his move-in paperwork.

“They did respond to that letter, saying that I should have met with the maintenance manager (prior to moving out),” he said. “I told them I made an attempt, but they were pretty busy since they have 400 units and only one person managing it.”

He said he even agreed to pay some of the charges, but he alleged the complex soon stopped responding to him. He said the company sent his account to collections.

“I tried in good faith to settle with them and the lack of response is what really got to me. I made every effort to try and reason with them,” he said. “Pretty much, as soon as I turned in my keys, all my rights are pretty much out the window.”

According to the Texas Attorney General, tenants have a number of rights under Texas law, including peace, quiet, health, safety and security. Should the landlord not fulfill his or her obligations, tenants may end the lease, repair the problem themselves and deduct the cost from their rent or get a court order to force the landlord to make the repairs.

In addition, the Attorney General reminds tenants that they have certain responsibilities under the law as well, including paying rent in full and on time, proper upkeep of the property, giving notice before moving out, and supplying a forwarding address after a move.

BBB also suggests renters:

Check out the apartment with BBB first. Go to bbb.org to see the BBB Business Review of the apartment you are considering. This will show its BBB rating, any history of complaints, as well as contact information.
Visit each complex in person before putting down a deposit. Tour all amenities to be sure they meet your needs (swimming pool, work out center, parking, etc.). Websites often use pictures taken only from the best locations on the property or of promotional units.
Keep a signed copy of the lease. Keep your lease in a safe place in case you need to refer back to it.
Consider renters’ insurance. When a tenant’s belongings are damaged or stolen, the apartment complex is very rarely held liable. Renters insurance would cover your losses in the event of fire, burglary or other damage. Pay attention to deductibles and coverage limits when choosing a policy.
Read the lease thoroughly. Check what normal maintenance you’re responsible for, what your security deposit covers, when payments are due and what fees are assessed if you’re late.
Document your unit’s condition. Most apartment complexes provide a move-in checklist to document any damage. Walk through the entire apartment and write down every flaw or defect.
Ask for repairs in writing. If you have trouble with maintenance requests, send the landlord a dated letter via certified mail. Keep a copy for your records. If the landlord does not address the issue in a reasonable amount of time (usually seven days), consult with an attorney. You may be entitled to terminate the lease, repair the problem and deduct the cost from your rent, or get a court to order that the repairs be made.
Continue paying rent. Do not stop paying your rent in order to force your landlord to make repairs. You could face eviction and the nonpayment may affect your credit report.

BBB advice for making love bloom this Valentine's Day

2/11/2013

Posted on 2/11/2013 by

BBB offers tips on buying flowers for that special someone

AUSTIN, Texas— Feb. 11, 2013 — Behind candy, flowers are the second most popular gift to give on Valentine’s Day. According to the National Retail Federation, an estimated 36.6 percent of consumers will give flowers to their loved ones on Thursday, with total spending expected to top $1.9 billion.

But, don’t let your significant other be disappointed with an unpleasant arrangement. Nationally, Better Business Bureau received close to 5,000 complaints against florists in 2012, an 18 percent increase compared to 2011. Most complaints allege the wrong flowers were delivered or the arrangements were not delivered at all.

If you’re planning to send flowers to that special someone this Valentine’s Day, BBB has the following advice:

Place your order early. Valentine’s Day is an extremely busy time for florists. To ensure enough time for processing and shipping, place your order several days in advance.
Ask about guarantees. Request a written receipt for the order and ask about the business’s refund policy in case the delivery is late, never arrives or is in bad condition.
Make sure the florist has your information. There are times when delivery instructions need to be confirmed or a delivery driver needs additional directions. Make sure the florist has your phone number should they need to reach you.
Do your research. Check out the florist’s BBB Business Review to see any history of complaints, and additional details about the company before you buy.

Wave of telemarketing scams target seniors

2/7/2013

Posted on 2/7/2013 by

AUSTIN, Texas — Feb. 7, 2013 — Senior citizens nationwide are reporting pushy, suspicious telemarketing calls from businesses going by the names "Senior Emergency Care," "Senior Safety Alert" or "Senior Safe Alert."

According to reports, these businesses are using prerecorded telemarketing calls to pitch a personal emergency alarm system. The recording claims the alarm will protect against dangers such as break-ins and medical emergencies. The recording further claims that the system — worth several hundred dollars — can be installed for free, but will cost $30 a month thereafter.

After the pitch, callers are prompted to press a button to speak with a live person for “verification” purposes. However, victims report that staff refuses to provide basic business information, such as the business address.

If you answer the phone and are greeted by an automated message instead of a live person, that is considered a robocall. Furthermore, according to the Federal Trade Commission, “if the recording is a sales message, and you haven’t given your written permission to get calls from the company, the call is illegal.”

Red flags of a telemarketing scam include:

The caller or automated message tries to create a sense of panic. In this case, the call alarms seniors by describing a situation where they are incapacitated at home and cannot call for help. Also watch out for calls that push for immediate action.
Promises of something for free. Be wary of "free" offers that ask you to pay a handling fee or other charges.
Implies an endorsement from a well-known organization. In this case, the call claims the alarm system is endorsed by the American Heart Association and the "American Diabetic Association," which is really the "American Diabetes Association."
Spoken errors. Just as phishing emails often contain misspellings and grammar errors, scam calls can have similar errors, such as referring to the American Diabetes Association as the "American Diabetic Association."
No legitimate contact information. Any legitimate business should be able to provide you with detailed contact information, such as an address or website.

Additionally, if you receive a call similar to this:

Hang up right away,

Do not push any button(s) to proceed further,

Consider blocking the number and add your number to the Do Not Call Registry,

Report the call to your Better Business Bureau at www.bbb.org or to the FTC at www.donotcall.gov.

Scam Alert: Phishing emails using personal information from Facebook to send personalized spam

1/31/2013

Posted on 1/31/2013 by

AUSTIN, Texas — Jan. 31, 2013 — Check your privacy settings on your social media accounts, Better Business Bureau warns. Scammers are using the personal data shared through Facebook, Google+ and LinkedIn to pose as your friends in personalized, fraudulent emails.

How the Scam Works:

You receive an email that appears to be from a friend or family member. The message addresses you by name, but the content is strange. Usually, it’s just a link to a website. If you click on it, you could end up downloading malware on to your computer.

Scammers find your information through your social media accounts and then exploit the fact that you’re more likely to click on a link sent by a friend. Some scammers set up fake accounts and send out friend requests to gain access to your personal information. Others rely on social media users not locking down their privacy settings, so their basic information, such as their name, email address and friends' names, can be seen by the public.

To protect your personal information shared on social media:

Review your security settings. Check your privacy setting on all your social media accounts to ensure you aren't sharing personal information with strangers.
Be cautious of accepting friend requests from unknown people. This could be a scammer’s attempt to gain access to your personal information.
Don’t overshare. Limit what personal information you share on your social media pages and avoid posting any personal information that could potentially be used fraudulently, such as your email address, phone number and address.
Report scam profiles or suspicious activity. Some social sites, such as Facebook, have instructions on how to report fake accounts or accounts that violate the terms of the site.
Consider enabling login notifications. This security feature will send you an alert every time your account is accessed from a new device.
Protect your information when using public Wi-Fi. Before using public Wi-Fi to access your Facebook account, text “otp” to 32665 to receive a temporary password to log in to your account.

If you receive a suspicious email:

Don't click on strange links. Even if the email came from a trusted friend or family member, do not click on any link in an email that might seem suspicious. If you have any reservations, notify the person who sent you the email to confirm what they sent and if they really sent the message.
Check the email address of the sender. Even though a friend's name is in the "from" field, spam email won’t always be sent from his or her email address.
Protect your computer. Keep your anti-virus software up to date. If you click on a link, be sure to run a virus scan on your computer right away.

Love is in the air

1/30/2013

Posted on 1/30/2013 by

Tips for managing employee romance

The approach of Valentine’s Day has many singles searching for a suitable date, which may cause some business owners and managers more than a few headaches.

A 2012 survey by XpertHR said that as many as 43 percent of employers have contended with issues caused by personal relationships between employees, including favoritism, decreased morale and bullying after the relationship ended.

In addition, some employees have filed sexual harassment complaints against their exes, left their job or committed acts of violence after the relationship ended. Such incidents can involve the employer in drawn out litigation.

As a business owner and manager, it’s important to know how to handle on-the-job romance in a professional way while avoiding legal pitfalls.

Here are a few tips from BBB:

Consider a written policy. Written policies about office romance could be beneficial in providing clear guidance to employees. Should you get sued, such a policy could show that you took strong action to prevent harassment and favoritism. However, some human resources experts say written policies are often perceived as an unnecessary intrusion on employees’ personal lives and can create an unintended allure by making the relationships forbidden. If you choose to have a written policy, clearly outline which employee relationships are forbidden (such as between a supervisor and subordinate), what behavior is allowed at work and what disciplinary actions will be taken should the policy be violated.
Know the law. Certain actions cross the line between innocent flirtation and sexual harassment. It helps to have the number to an attorney who specializes in such matters on hand in case you have questions or need assistance. And remember, sexual harassment accusations may not only come from those involved in the relationship. Sexual banter between two employees could create a hostile work environment for those around them, which could have legal implications for you. “Hostile work environment” is a legal term that encompasses any factor that makes an employee fear going to work.
Know when to get involved. If two co-workers are dating, but the relationship has not affected their work, your involvement might seem like an overreach. However, if a relationship between a supervisor and subordinate boils over into the workplace or generates complaints from other employees, you may have to intervene.
Take the right approach. If you do have to censure employees for bringing their love lives into the office, don’t blow the situation out of proportion. Often a simple conversation with the couple will do the trick. If you must take further action, be careful to avoid situations where one party is punished or promoted over the other. Work with both employees to come to an agreement that works for all parties. Be sure to document all interactions thoroughly in case the issue escalates.
Train your employees. Even if you choose not to have a written policy regarding office romance, make sure all of your employees undergo sexual harassment training, especially supervisors. Problems may be avoided if employees know ahead of time what types of behavior may present a problem.

Beware of tax preparer fraud this tax season, BBB warns

1/29/2013

Posted on 1/29/2013 by

BBB tips on finding a legitimate, trustworthy tax preparer

AUSTIN, Texas — Jan. 29, 2013 — Tax filing season opens tomorrow, Jan. 30, therefore, Better Business Bureau is warning consumers to beware of a growing crime known as tax preparer fraud.

According to the Internal Revenue Service, tax preparer fraud occurs when a preparer “alters return information without their clients’ knowledge or consent in an attempt to obtain improperly inflated refunds or to divert refunds for their personal benefit.” The taxpayer is usually unaware of the preparer’s actions but is left liable for the discrepancies.

In response to the prevalence of return preparer fraud, here are some of the specific schemes the IRS is warning about:

Internet solicitations that direct taxpayers to toll-free numbers and then solicit Social Security numbers.
Homemade flyers and brochures implying credits or refunds are available without proof of eligibility.
Offers of free money with no documentation required.
Promises of refunds for “Low Income — No Documents Tax Returns.”

To find a trustworthy professional to help prepare your taxes, BBB offers 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 Business Review.
Look for credentials. 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 attorneys can represent you in U.S. Tax Court if you are audited.
Get a firm estimate in writing. The cost of preparing your return will vary depending on the complexity 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.
Protect your identity. The IRS has issued several consumer warnings about the fraudulent use of the IRS name or logo by scamsters trying to gain access to consumers’ financial information in order to steal their identity. The IRS does not initiate taxpayer communications through email. Unsolicited email claiming to be from the IRS, or from an IRS-related component such as the Electronic Federal Tax Payment System (EFTPS), should be reported to the IRS at phishing@irs.gov.

Super Bowl scams could bring super problems for fans

1/25/2013

Posted on 1/25/2013 by

AUSTIN, Texas — Jan. 25, 2013 — The San Francisco 49ers and the Baltimore Ravens will battle it out Feb. 3 for the title of National Football League champion. If you’re looking to attend the Super Bowl, Better Business Bureau reminds those super-fans to use caution when purchasing tickets for the big game.

Nationally, BBB received more than 1,000 complaints against ticket sellers in 2012. Most complaints allege tickets were misrepresented, not delivered within the estimated timeframe or consumers never received their tickets at all.

Scammers, knowing full-well the emotional frenzy some fans experience when trying to get tickets to Super Bowl XLVII, will be ready and waiting to take advantage of the unsuspecting. BBB encourages fans to be skeptical of offers that sound too good to be true, pushy sales tactics or any offer that requires the wire transfer of funds.

If you’re looking for a ticket to Super Bowl XLVII follow these tips:

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. Never wire money.

Air duct company cleans out consumers’ wallets

1/23/2013

Posted on 1/23/2013 by

AUSTIN, Texas — Jan. 23, 2013 — Better Business Bureau is warning about an Austin-based air duct cleaning company that seems to be leaving a trail of dirt across the state. BBB has received complaints from consumers in the greater Austin, San Antonio, Dallas and Fort Worth areas.

The company has gone by the names Austin City Air Ducts, ANS Air Ducts, AC Air Ducts and AOS Air Ducts. One consumer complaint alleged the company solicited as ELT Enterprises, as well. All the company names used the same contact information. BBB attempted to contact the company about the multiple name changes, but did not receive a response.

The company apparently advertised to consumers by offering coupons in Val Pak or on group buying websites like Living Social.

Consumers allege that they called the company for the air duct cleaning service offered on the coupon, but the service was performed poorly and/or the company added expensive services. Consumer complaints allege the extra services were not performed, performed poorly or caused additional damage to the consumers’ heating and air conditioning systems.

Jessica Larson said the men who cleaned her air ducts noticed mold growth and offered an additional service to clean it. The service entailed spraying a mold remover and deodorizer through her air ducts to kill the mold spores. In total, she said she paid the company $900 to clean her air ducts, remove the mold and clean her furnace.

She said the company told her the mold would be gone within 48 hours of the treatment.

“And the next day and the day after that, I noticed that it was white around the opening of the ducts, but there was still a great deal of mold,” she said.

She added that she tried to contact the company about the remaining mold, but never received a call back.

“I called them four different times; they only answered once and the receptionist said a manager would call me,” she said.

Eventually, she said she called another company to address the mold. Representatives from that company told her that mold cannot be addressed with a simple spray.

“There’s no FDA approved spray to remediate the mold,” she said, adding later, “They said it’s just not effective. They said it’s basically a scam.”

According to guidelines from the Environmental Protection Agency, mold on porous surfaces must be removed with a special type of vacuum or the surface must be discarded and replaced. This should occur only after the source of the mold — usually a leak or condensation — has been addressed.

The EPA recommends against hiring any company that makes sweeping claims about the health benefits of duct cleaning. According to the agency, studies have not conclusively shown that levels of allergens and other particles increase inside the home due to dirty air ducts, and claims that routine air duct cleaning will improve your health are unsubstantiated.

The EPA suggests consumers hire a contractor to clean their air ducts in the following circumstances:

There is substantial visible mold growth inside hard surface (e.g., sheet metal) ducts or on other components of your heating and cooling system.
Ducts are infested with vermin, e.g. (rodents or insects); or
Ducts are clogged with excessive amounts of dust and debris and/or particles are actually released into the home from your supply registers.

For those considering an air duct cleaning service, BBB offers the following tips:

Make sure you need it. Read the EPA’s guide, “Should you have the air ducts in your home cleaned?” for complete details on when air duct cleaning is recommended, what air duct cleaning entails and information about indoor air quality.
Do your research. Visit bbb.org to view a company’s BBB Business Review, which includes information about the company’s complaint history, licensing and more. The National Air Duct Cleaners Association also provides a checklist to help residential consumers ensure the service is completed properly. Ask any company you consider for references.
Consider a licensed company. In the state of Texas, air duct cleaning companies are only allowed to operate without a license if they don’t make any cuts, perform any biomedical testing or biomedical remediation. Consider an air conditioning company that is fully licensed by the state to perform all work.
Compare prices and service packages. Get at least three estimates for any service you would like provided. All bids should be in writing and should provide a full description of the services to be provided and the materials to be used. Make sure the contract includes any verbal promises the contractor made and details on any guarantees.

Pull your free credit report to avoid financial turmoil, BBB advises

1/21/2013

Posted on 1/21/2013 by

AUSTIN, Texas— Jan. 21, 2013 — Better Business Bureau wants to make sure consumers don’t hit any unexpected bumps in the road this year, and is reminding consumers to check their credit report annually.

The importance of pulling your credit report is to ensure the information being reported is accurate, complete and up-to-date. When looking at your credit report, look for these red flags of identity theft:

Any inquiries not initiated by you;
Any debts reported that are not yours; or
Contact information, such as your address, that was changed without your approval

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.

A credit report contains important information that can affect whether you can get a loan, and how much you will have to pay in order to borrow money. The information contained in a credit report is sold to and used by creditors, insurers and other businesses so they can evaluate applications for credit, insurance or renting a home.

Consumers looking to pull their free credit reports should visit annualcreditreport.com, the only authorized source for free annual credit reports under federal law. On this website, consumers can request their credit report from each of the three reporting agencies online, by phone or through mail.

BBB offers these tips for pulling your annual credit report:

Be wary of unsolicited emails and pop-ups. AnnualCreditReport.com does not approach consumers via email, telemarketing or direct mail solicitations. Instead, go directly to AnnualCreditReport.com to request your free report.
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 to see what information, if any, they have about your child.
Dispute inaccuracies. If you find inaccurate information on your credit report immediately contact the reporting agency you pulled the report from and file a dispute. Inaccurate, derogatory information can lower your credit score, and in some cases, may indicate possible fraudulent activity.

Mobile apps targeted at young children seldom disclose privacy policies, study shows

1/16/2013

Posted on 1/16/2013 by

AUSTIN, Texas — Jan. 16, 2013 — As a new, younger generation comes online, Better Business Bureau warns parents that some mobile applications for smart phones and tablets may be siphoning children’s data and sharing it. In most cases, developers are not disclosing whether data is being collected, with whom it is being shared or how it is used.

A study conducted by the Federal Trade Commission found that nearly 60 percent of children’s applications available from the iTunes store and Google Play that were examined by researchers “failed to provide any information about the data collected through the app, let alone the type of data collected, the purpose of the collection and who would obtain access to the data.”

The data collected and shared can include the child’s location, telephone number, contacts, device ID and other information contained on the mobile device. More worrying, according to the FTC, is that some applications offer the ability to make purchases and provide links to social media “without disclosing these features prior to download.”

Additionally, the study found that only 20 percent of the apps reviewed disclose any privacy policies, 22 percent contain links to social networking sites and almost 60 percent of them transmit information to advertisers, analytics companies and other third parties.

BBB recommends parents take these steps to protect their children and families’ personal information:

Research before downloading. Carefully examine the details of the app, including the description, developer information and privacy policy. Additionally, read reviews from other customers, not only at the download sites, but also through search engines.
Carefully research free apps. Of the free apps that were studied, 58 percent were “ad-supported,” which typically led to an app download site when clicked. This could give young children the option to download apps without their parents’ permission.
Control kids’ sharing. Determine whether applications allow young users to post their own content to social media sites and decide whether it is appropriate to allow your children to do so before downloading an app.

Mobile apps targeted at young children seldom disclose privacy policies, study shows

1/16/2013

Posted on 1/16/2013 by

BBB recommends parents take these steps to protect their children and families’ personal information:

Research before downloading. Carefully examine the details of the app, including the description, developer information and privacy policy. Additionally, read reviews from other customers, not only at the download sites, but also through search engines.

Carefully research free apps. Of the free apps that were studied, 58 percent were “ad-supported,” which typically led to an app download site when clicked. This could give young children the option to download apps without their parents’ permission.

Control kids’ sharing. Determine whether applications allow young users to post their own content to social media sites and decide whether it is appropriate to allow your children to do so before downloading an app.

Don’t let paperless, e-receipts compromise your personal information

1/14/2013

Posted on 1/14/2013 by

AUSTIN, Texas - Some retailers have started offering customers the option to receive receipts from purchases via email. While this can be a convenient alternative to printed receipts, Better Business Bureau is reminding shoppers to keep their identity safe in the process.

E-receipts save retailers money, and make it easier for you to electronically file your receipts away. But beware of what else you could receive in your inbox. Businesses may send junk mail filled with surveys, coupons and other promotional offers, or they could use your information to build profiles on demographics and buying habits.

Additionally, having receipts emailed to you can make you more susceptible to phishing and other identity theft scams. Scammers can easily pose as retailers using realistic-looking emails that direct you to click on a link. The link may take you to a fraudulent site that asks for your personal information or download malware on your computer.

For shoppers interested in paperless, e-receipts BBB offers the following tips:

Ask how the business plans to use your information. Now that the business has your email address, it’s possible you’ll start receiving coupons, newsletters and other promotional emails from it. If the business plans to sell or share your information you could start receiving unsolicited emails. Be vigilant of any emails requesting your personal information; they could be scams that download malware on your computer.
Make sure your anti-virus software is up-to-date. It’s always a good idea to make sure your computer system’s security program is updated regularly. Spammers feed off of online shoppers who fail to update their anti-virus software.
Confirm your e-receipt has been delivered. Before leaving the store, ensure the receipt has been delivered to your inbox. If you do not have the ability to check your email at that moment, consider getting a hard copy of your receipt until you can confirm the receipt made it into your inbox.
Consider a third-party software. There is software available that lets you store all your receipts in one, safe place. Most of these programs allow you to simply take a picture of or scan your receipt and then it is digitized and stored to your smart phone or computer. If you do not have a smartphone, the program can create an email address for you that can be used for purchases and e-receipts.

Better Business Bureau Names Top Scams of 2012

1/10/2013

Posted on 1/10/2013 by

AUSTIN, Texas— Better Business Bureau investigates thousands of scams every year. This year’s “top ten scams” list was culled from a variety of sources, including consumers, federal agencies and other reliable information sources.

Here are BBB’s Top Ten Scams of 2012:

1. Top Overpayment/Fake Check Scam: Car Ads
2. Top Emergency Scam: Grandparent Scam
3. Top Employment Scam: Mystery Shopping
4. Top Advance Fee/Prepayment Scam: Nonexistent Loans
5. Top Phishing Scam: President Obama Will Pay Your Utility Bills
6. Top Sweepstakes/Lottery Scam: Jamaican Phone Lottery
7. Top Identity Theft Scam: Fake Facebook Tweets
8. Top Home Improvement Scam: Sandy “Storm Chasers”
9. Top Sales/Rental Scam: Real Stars, Fake Goods
10. Scam of the Year: Newtown Charity Scams

Additional scam details:

1. Top Overpayment/Fake Check Scam: Car Ads
A well-known company is offering $400+ per week to anyone willing to drive around with the company’s logo on their car. They send you a check to deposit and then direct you to wire part of the payment to the graphic designer who will customize the ad for your vehicle. A week later, the check bounces, the graphic designer is nowhere to be found, and you are out the money you wired.

2. Top Emergency Scam: Grandparent Scam
The “Grandparent Scam” has been around a while, but is still so prevalent it’s worth mentioning again. A grandparent receives a call from a grandchild/niece/nephew/friend who is traveling abroad and gets into a bad situation where he or she needs money right away. Easy rule of thumb – before you wire money in an emergency, check with the supposed victim or other family members to verify the information.

3. Top Employment Scam: Mystery Shopping
Many secret shopping job offers are nothing more than a variation of the overpayment/fake check scam (above).

The Mystery Shopping Providers Association says it’s not the practice of its members to pre-pay shoppers, but if you have your heart set on this type of job, you can find a legitimate gig through its website at www.mysteryshop.org.

4. Top Advance Fee/Prepayment Scam: Nonexistent Loans
Most of these scams are advertised online and promise things like “no credit check” or “easy repayment terms.” The hook: you have to make the first payment upfront, you have to buy an “insurance policy,” or there is some other kind of fee that you have to pay up-front to secure the (nonexistent) loan. In 2012, a new, aggressive twist was used: consumers reported being threatened with lawsuits and law enforcement action if they didn’t pay back loans they claim didn’t belong to them in the first place. Some got calls at their workplace, even to relatives. The threats of legal action caused some victims to pay even when they knew they didn’t owe the money.

5. Top Phishing Scam: President Obama Will Pay Your Utility Bills
Of all the politically-related scams, this one seemed to be the most prevalent. At the peak of summer with utility costs soaring, consumers got emails, letters and even door-to-door solicitations about a “new government program” that will pay their utility bills. Victims “registered” with an official-looking website and provided everything scammers needed for identity theft purposes, including bank account information.

6. Top Sweepstakes/Lottery Scam: Jamaican Phone Lottery
This is an old one that flared up again. In this one, the calls come from Jamaica (area code 876), but the person claims to represent BBB (or FBI, or other trusted group). The caller claims you’ve won a prize (typical haul: $2 million and a Mercedes Benz) but you have to pay a fee in order to collect your winnings. There are lots of variations on this; sometimes it’s a government grant. If this happens to you, hang up and then file a phone fraud report with the appropriate government agency

7. Top Identity Theft Scam: Fake Facebook Tweets
You get a Direct Message from a friend on Twitter with something about a video of you on Facebook (“ROFL they was taping you” or “What RU doing in this FB vid?” are typical tweets). In a panic, you click on the link to see what the embarrassing video could possibly be, and you get an error message that says you need to update Flash or other video player. But the file isn’t a new version of Flash; it’s a virus or malware that can steal confidential information from your computer or smart phone. Twitter recommends reporting such spam, resetting your password and revoking connections to third-party applications.

8. Top Home Improvement Scam: Sandy “Storm Chasers”
BBB spends a lot of time investigating and reporting on home improvement scams, but this year we saw an unusual amount of “storm chaser” activity following Super Storm Sandy. Some were legitimate contractors who came from other areas for the volume of work available. Others were unlicensed, uninsured and ill-prepared for the work, and some were out-and-out scam artists who took the money and never did the work. In an emergency, it’s tempting to skip reference checking, but that’s never a good idea. Next time you need home repairs, find a contractor at www.bbb.org/search.

9. Top Sales/Rental Scam: Real Stars, Fake Goods
Sports memorabilia and phony tickets always make the list of top counterfeit goods. Some scammers sell cheap knock-offs in front of stadiums, while others set up websites and steal your money. Buy directly from team stores and websites, or from legitimate retailers. Remember, if a deal sounds too good to be true, it probably is.

10. Scam of the Year: Newtown Charity Scams
Within hours of the Sandy Hook Elementary School shootings in Newtown, CT, social media pages began cropping up dedicated to the child victims. Some of these pages were fake and attempting to solicit money from those looking to support the actual victims’ families. In response to these reports, BBB Wise Giving Alliance offered tips for donors to understand how and when to best support those dealing with such a tragic crisis.

For more information on these and other scams, go to BBB Scam Stopper.

BBB and FINRA Foundation launch new website to stop investment scams

1/7/2013

Posted on 1/7/2013 by

Consumers lose millions to scammers and Ponzi schemes; new effort combines education, local outreach

AUSTIN, Texas — Jan. 7, 2012 — Better Business Bureau and the FINRA Investor Education Foundation launched a new consumer website, BBB Smart Investing, which is designed to help consumers make smarter investing decisions.

The campaign combines the research and expansive knowledge base of the FINRA Foundation with the extensive consumer outreach of BBB’s trusted 100-year-old name and its 104 local operations across the United States.

“Our partnership with BBB will help Americans in communities across the country protect their savings from fraudsters,” said Gerri Walsh, FINRA Foundation president. “The FINRA Foundation’s ‘Outsmarting Investment Fraud’ curriculum and resources have been field-tested, and give consumers the tools and information they need to thwart fraudsters touting investment scams.”

Research conducted by the FINRA Foundation found that consumers are overconfident in their knowledge of financial management, particularly baby boomers. A recent survey found that 92 percent of investors ages 55 to 65 felt “somewhat” or “very confident” about managing their finances. However, many of their reported investment behaviors put them at risk.

“This is a great partnership,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “Even though BBB has always investigated investment scams, this gives us a whole new portfolio of prevention tools to offer to consumers. We think this program will go a long way toward preventing investment scams that have become so much more prevalent in recent years.”

BBB presenters are using tools from the FINRA Foundation to introduce smart investing skills and to teach consumers how to detect investment schemes, scams and frauds. For additional information, contact Erin Rodriguez at erodriguez@austin.bbb.org.

Be prepared and educated before attending a bridal expo

1/4/2013

Posted on 1/4/2013 by

Jan. 4, 2013 — Planning a wedding involves orchestrating a symphony of vendors, and bridal expos can be a great one-stop shop to find everything a bride is looking for. But before making an emotional decision or signing on that dotted line, Better Business Bureau encourages couples to take their time and do their research.

Every year, BBB receives hundreds of complaints against wedding services and suppliers. Most complaints allege contract disputes and failure on the part of the vendor to provide the agreed upon services.

BBB offers these tips to help brides navigate a bridal expo:

Research exhibitors ahead of time. Visit the bridal expo's website to educate yourself on the various exhibitors that will be in attendance. This can help you narrow down which booths you’d like to go to and which exhibitors you’re interested in speaking to.
Ask the right questions. Before falling in love with a vendor, first ask if the company is available for your wedding date. Also ask about its various packages and pricing to ensure the company fits within your budget.
Get all promises in writing. Be sure to document with whom you spoke and all verbal agreements made or mentioned. Obtain a business card before you leave and set a time to follow up after the show. Don’t be pressured to put down a large deposit for fear of losing out.
Research the vendor before signing a contract. Go to centraltx.bbb.org to see a company’s rating and any history of complaints. Additionally, ask each potential vendor for a list of references so that you can speak to brides who have successfully used the company.
Create a new email just for the show. Whether you are pre-registering or signing up at the door, it is a good idea to create a new email for wedding vendor communication. This allows the bride to keep track of all of the special offers and promotions she will likely receive after the show. This can also help reduce high volumes of email in your personal inbox.
Bring someone you trust. Bring someone with you that is not as emotionally or financially connected to the wedding planning. This individual may provide a different, yet helpful, perspective when talking with vendors and visiting booths.

Keep your employees smiling this new year

1/2/2013

Posted on 1/2/2013 by

Tips for responding to employee complaints

Jan. 2, 2013 - Whether you are a major corporation or a small business owner, you probably couldn’t function without your employees. So, when your employees come to you with a complaint, you want to address the issue as efficiently as possible without losing sight of your company’s goals.

To help you avoid an unnecessary conflict in your company, BBB offers these tips for handling employee complaints.

Listen carefully. If an employee is angry or upset, allow him or her to vent without interrupting. Stopping the employee mid-story to offer a solution or contradict facts will likely only escalate the situation. Limit your responses to short confirmations that you’re still listening (“Uh-huh,” “I understand”) or verifications of the facts (“So, you put in a time off request on Monday?”).
Withhold judgment. Avoid confrontational language, like “Calm down,” or “that’s not possible.” Hear the entire complaint and, when necessary, conduct your own investigation before deciding what action to take.
Document the meeting. If possible, have another supervisor or human resources representative present. Take notes about the employee’s complaint and what solutions you offered. Confirm the details with the employee to ensure you are both on the same page.
Ask questions. Ask for specific dates, whether or not the employee has complained to others in the chain of command and for details about those conversations. Make sure you know all the details.
Identify the issue. Not all complaints should be taken at face value. The employee may complain about his hours, but is really upset that he isn’t being heard. If the underlying issue involves discrimination or harassment, that opens you up to additional legal concerns. You may want to consult an attorney about your next course of action.
Collaborate on a solution. Ask the employee how he or she would like to resolve the issue. If you are unwilling to meet those conditions, don’t say “no,” or “I can’t.” Propose your own solution and stick to positive language, e.g. “Here’s what I can do…”
Stay out of harm’s way. If the employee gets confrontational or makes threats, walk away. Leave the room, have the employee escorted out or call the police. Document the threat and your reaction to it.

Help your employees keep their New Years’ health resolutions

1/2/2013

Posted on 1/2/2013 by
Tips to keep your employees healthy

Jan. 2, 2013 - Now that the traditional holiday feasts have passed, many employees are returning to work with thoughts of how they can shed those extra pounds. Helping them along that path will not only show your employees that you care, but can positively affect your bottom line.

A study in 2000 showed that 25 percent of total group health expenditures were due to modifiable risk factors, such as smoking, obesity and alcohol abuse. Since then, the cost of healthcare has steadily increased at a rate far greater than inflation and the rates of preventable chronic disease have continued to rise.

According to the U.S. Department of Health and Human Services, fitness programs can reduce the cost of employer-provided healthcare 20 to 55 percent.

Here are a few ways you can help improve your employees’ health:

Fitness Programs
The American Heart Association offers resources through its wellness in the workplace initiative, including manuals, presentations and tracking tools. If you want to start smaller, hand out pedometers to each of your employees and offer rewards for those who log the most miles.

Smoking Cessation
Many companies have designated their offices as smoke-free zones, but there’s more you can do to help your employees stop smoking. Endsmoking.org offers assistance to employers looking to implement such programs.

Healthy eating
Improving nutrition in the workplace can help employees stick to their diets. Make sure your vending machines have healthy options, and limit sugary or fattening treats brought in for office parties or as rewards.You might even offer free water and healthy snacks, while charging for junk food and sodas in the vending machine.

Get involved
Research online social networks, such as myfitnesspal.com or shapeup.com. These sites allow your employees to track progress and support each other even when they are not in the office. Provide rewards and incentives for employees who meet their goals.

Holiday donations could help your business

1/2/2013

Posted on 1/2/2013 by

Jan. 2, 2013 - Charity contributions totaled less than $300 billion last year, according to the Giving USA Foundation, a 0.9 percent increase over 2010. More than 80 percent of that total came from individual donors. BBB reminds businesses that charity giving during the holiday season can make a difference and increase brand awareness at the same time.

“Businesses have a wonderful opportunity during the holiday season to help those who are less fortunate,” said Carrie A. Hurt, President and CEO of BBB serving Central,Coastal and Southwest Texas. “The free exposure and marketing that comes with their generosity is a great way to get the attention of consumers.”

BBB recommends using the following tips when deciding if and how your business will donate to a charity:

Consider a local charity. Find an organization that appeals to the same demographic as your business. For example, if your company sells clothing items, consider aligning yourself with a children’s or women’s shelter where your donation directly impacts the individuals there.
Do research. Once you find a charity your business would like to help, learn how the organization uses the donations it receives by reviewing its BBB charity report online at www.give.org.
Avoid giving to the wrong charity. Scammers tend to make up fake charities with names that are very similar to reputable organizations. Check the name of the organization closely to ensure you are giving to the right one.
A donation doesn’t have to be money. Consider having your employees volunteer their time to help a charity during the holiday season. Call the charity directly and ask them if there are opportunities available and make it a company event. Consider wearing matching clothes to identify your business while you volunteer to market your brand.
Consider a direct donation. If you prefer to make a monetary donation, you can do so by check or credit card. If you donate online, be sure to print the confirmation page for your records as many donations are tax-deductible. Donating a percentage of your sales for a given period of time can help create extra exposure for the charity as well as your company.
Spread the word. Don’t be shy about letting your customers know of your company’s generosity. Sharing your efforts through advertising can help educate people about a charity’s mission and could increase the amount of support for its cause.

For more information on donating to charities, visit BBB’s Wise Giving Alliance at www.give.org and to check the reliability of a company,visit www.bbb.org.

Keep your reviews honest this holiday season

1/2/2013

Posted on 1/2/2013 by
Follow these do's and don'ts for improving online reviews

Jan. 2, 2013 - A study released by Gartner, Inc. predicts that by 2014, 10-15 percent of reviews online will be posted by paid reviewers. However,analysts are predicting more backlash against the practice, including new laws and stronger enforcement of existing ones.

As a BBB Accredited Business, you already exemplify BBB’s Standards for Trust, including making an effort to always advertise honestly and tell the truth. However, the Gartner report suggests that many of your competitors may not be living up to those same standards.

Some of those companies simply write their own online reviews. Others pay professional reviewers to seed online review sites with overwhelmingly positive reviews. Consumers have also reported businesses that call them after they have posted a negative review, offering incentives to remove or change the review.

The good news is that lawmakers, consumers and the online review sites themselves are catching on to this practice.

The Federal Trade Commission is starting to crack down on companies that post fake reviews with fines and other actions. Though it does not appear that the FTC has disciplined a company for offering incentives to consumers to post reviews, a broad interpretation of its 2009 revisions to the guides governing endorsements and testimonials could open that door.

The guides say that if a blogger is paid — in cash or in-kind — to review a product, that connection must be disclosed. Some analysts say that could soon apply to online reviews as well.

In addition to government enforcement, several blogs and news organizations have advised consumers on how to spot fake reviews. Yelp now posts a consumer alert on any business that it suspects is employing underhanded tactics.

Here are a few dos and don’ts when it comes to online reviews:

Do encourage feedback. To balance out any negative reviews, encourage your customers to leave a positive review if they had a good experience. This will help paint a fairer picture of how you do business. Consumers can compliment your business through BBB’s website by visiting centraltx.app.bbb.org/compliment.
Don’t buy positive feedback. While you may encourage your customers to leave positive reviews, never offer discounts, free products or other compensation for doing so. Such a practice is dishonest, and should the FTC decide to get tough, both you and the reviewer could face legal action.
Do embrace negative reviews. Though a negative review can be upsetting, look at it as an opportunity to improve your customer service. Try to reach out to the customer and resolve the issue.
Don’t offer incentives to change the review. While it’s certainly a good business practice to offer the customer a resolution to his or her specific issue, never do so in exchange for a positive review. A happy customer will likely change a negative review without extra incentives.
Do monitor your company’s profiles. Set up an alert and regularly visit several online review sites to stay current with what your customers are saying about your company.
Don’t post any reviews yourself. Never post your own review or ask friends and family members to post reviews. Only legitimate customers should post reviews of your company.

Get the body you want without feeling the burn in your wallet

1/2/2013

Posted on 1/2/2013 by
AUSTIN, Texas — The holidays are over and consumers are turning their thoughts toward making 2013 better than 2012. According to USA.gov, one of the most common New Years’ resolutions is to get fit. Gyms and fitness centers are more than happy to accommodate, offering countless promotions and deals to get people through the door and into a contract.

However, Better Business Bureau advises consumers to consider the terms of any contract carefully before joining a gym. In 2012, BBB processed more than 650 complaints against gyms and fitness centers nationwide.

Most of those complaints focused on contract disputes and billing issues. Consumers turned to BBB after gym salespeople made big promises that never materialized. Often, the consumer would later find out that those promises were not included in the written contract, and the fitness center refused to honor verbal agreements.

Another common issue involved consumers who either did not understand the gym’s cancellation policies or gyms that did not cancel contracts as requested. Many contracts require a 30- or 60-day written notice of cancellation and automatically renew after the contract expiration date.

BBB offers the following advice to help consumers select a fitness facility that best meets their needs:

Visit bbb.org. Before signing a contract, research the gym at bbb.org to see its BBB Business Review, which will show any history of complaints and its BBB rating.
Consider your budget. Most facilities charge an up-front membership fee to join and a monthly fee thereafter. In addition, some fitness centers charge an additional fee for certain classes or amenities. It is important to decide beforehand what amount you can comfortably devote to physical fitness.
Ask around. Ask friends and family to recommend facilities, and pick a couple that appear to align with your fitness goals and budget. Visit each club on a day and time that you plan to use it to see if you like the equipment, clientele, classes, amenities and cleanliness. This will also give you a sense of how crowded each club will be at the times you want to access the equipment.
Do not give in to sales pressure. Walk away from clubs that pressure you to sign a contract on the spot. BBB recommends taking a sample contract home to review before making a decision.
Review the contract before signing. Make sure the contract lists all services and fees, and any promises made by the salesperson. Find out what is included in the monthly fee and what will cost extra.
Get membership details. It is vital to understand how long the membership term is, whether it automatically renews and what steps you have to take in order to cancel. Some facilities give customers several days to reconsider after signing the contract.

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

BBB’s top 10 consumer tips for 2013

12/27/2012

Posted on 12/27/2012 by

BBB encourages consumers to be safe in 2013

AUSTIN, Texas - Better Business Bureau is challenging consumers to be smarter, safer consumers in 2013. Byfollowing these 10 simple New Year’s resolutions, consumers will be prepared tocombat scammers and protect themselves from fraud:

Do your research. Whether it’s abusiness you’re looking to hire or a product you’re looking to buy, take thetime to do your research. Check out a business at bbb.org to see its BBB Business Review. For productinformation, go to the Consumer ProductSafety Commission.
Keep your computersafe.Install anti-virus software on your computer and regularly check for softwareand operating system updates. Don’t open attachments or click on links in emailsunless the email came from someone you know and trust.
Get it in writing. Don’t just take abusiness’s word for it. Get every verbal agreement in writing to limitmiscommunication and misunderstandings.
Never wire money tosomeone you don’t know. Many scams require money to be wired back to thescammers. Tracking money sent via a money wiring service is almost impossible.
Protect youridentity.Always shred paper documents that include sensitive financial data and disposeof computers, cell phones and digital data safely. Safely store all personaldocuments, such as your Social Security card, pull your credit report at leastonce a year and check your credit and debit card statements frequently.
Shop on trustworthywebsites.Online shopping is increasingly become more popular, so before you provide anypersonal or banking information over the web make sure you’re using a trustedsite. Look for the “s” in https:// as opposed to http://in the address box.
Give wisely. Most philanthropistsgive year-round. To ensure your time, treasure and talent are going to thecause you’re looking to support, research all charities at www.give.org to check theirlegitimacy and to see how their monetary donations are distributed.
Don’t be pressured. If a company,organization, or salesperson uses overly-aggressive sales tactics to pressureyou into making a purchase or on-the-spot decision, that’s a red flag. Walkaway.
Limit the amount ofinformation shared on social media pages. Scammers use social media sites to gatherinformation on potential victims. Avoid sharing too much personal informationand check your privacy settings. Additionally, never announce through a socialmedia site that you are going out of town, or won’t be home for a specifiedamount of time.
Let your BBB help. BBB is here topromote marketplace trust. If you have an issue with a business or feel youhave been scammed, file a complaint with your BBB.

Here's How You Can Recycle Your Christmas Tree

12/26/2012

Posted on 12/26/2012 by
Now that Christmas is over, you may want to free up some space in your home for the upcoming New Years festivities by getting rid of your Christmas tree.

But don't just chuck it out with the rest of the trash, you can save a little earth by recycling your old tree! And, it's free!

Here are some locations and times for our BBB Service area:

Austin

Zilker Park Drop-Off - Residents can drop off their trees at Zilker Park from 10 a.m. to 2 p.m. on the following dates: Saturday, Jan. 5, 2013, Sunday, Jan. 6, 2013, Saturday, Jan. 12, 2013, Sunday, Jan.13, 2013. Commercial vendors can drop off their unsold trees at Zilker Park on Friday, Jan. 4 from 12 p.m. to 4 p.m.

You can also drop off your tree for recycling at:

Del Valle Softball Complex - Behind the Southwest Rural Center, 3614 FM 973, Del Valle, TX. RM 620 Low Water Crossing - Before Mansfield Dam, beneath the RM 620 bridge.

Corpus Christi

The following locations will be accepting Christmas trees from 9 a.m. to 3 p.m. on Saturday, January 5th:

• Wal-Mart – Greenwood and S.P.I.D.
• Wal-Mart – Highway 77 and FM 624
• Wal-Mart – 4109 S. Staples at Carmel Parkway

The following locations will be accepting Christmas trees from 9 a.m. to 3 p.m. on Saturday, January 12th:

• Padre Island Property Owners Association – 14015 Fortuna Bay Drive
• Flour Bluff High School – 2505 Waldron Road (High School Gymnasium parking lot)
• Wal-Mart – Flour Bluff Drive and S.P.I.D.
• Wal-Mart – 6101 Saratoga at Cimarron

BBB advice for stress-free holiday returns and exchanges

12/26/2012

Posted on 12/26/2012 by
AUSTIN, Texas - Consumers scour shelves and websites for the perfect holiday gift, but sometimes even the best ideas don’t work out. While some stores loosen their return policies during the holiday season to allow for an easier return process, Better Business Bureau warns that some stores could be tightening their policies due to an increase in return fraud.

In a survey conducted by the National Retail Federation, retailers estimate that 4.6 percent of holiday returns are fraudulent, costing the retail industry an estimated $2.9 billion.

Return fraud comes in many forms, but the main methods of return fraud involve purchasing merchandise for short-term use and then returning the item, returning stolen merchandise, or using reused, stolen or falsified receipts to return merchandise for a profit.

To put you and your gift recipients 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 to 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. Because of return fraud, some retailers will ask for identification when making a return. If you’re returning or exchanging a gift that you bought, bring the credit card used to make that purchase.

• Read product warranty first. In some cases, retail stores are not liable if the product turns up defective or damaged. They may 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.

• Keep the receipt. Include a gift receipt with all gifts, so it’s easier for the recipient to return or exchange the gift if it’s not the right fit.

Don’t let a plumbing emergency wash out your holidays

12/21/2012

Posted on 12/21/2012 by

BBB tips on hiring a plumber

AUSTIN, Texas— With family gathering to celebrate the holidays this Christmas, consumers may find their plumbing systems are not up to the task of entertaining.

In addition to clogged toilets and drains, all that rich holiday food sometimes chokes garbage disposals and causes build up in kitchen pipes. Finding a plumber willing to cut his or her own holiday short to assist you might prove difficult, and you can expect to pay a premium for the service.

However, there may also be less than stellar businesses and scammers out there waiting to take advantage of an already stressful situation.

In 2012, Better Business Bureau received more than 4,100 complaints against plumbers. Most complaints alleged that the actual cost greatly exceeded the estimate or work was not done properly. Some consumers alleged that the plumber they hired caused additional damages while performing the work. Many said they had trouble getting someone to repair the work or refund the cost of the work.

To avoid getting cleaned out by a plumber this Christmas, BBB offers the following tips:

Do your research. View the company’s BBB Business Review to see its accreditation status, the length of time the plumber has been in business, its complaint resolution efforts and any past advertising concerns BBB may have found. Also check complaints with the Texas State Board of Plumbing Examiner’s Enforcement Division by calling 800-845-6584, ext. 65249.
Check licensing and insurance. Ask for the Responsible Master Plumber’s name and license number. Master Plumber license numbers begin with the letter "M". License numbers which begin with "A", "T", "J" or any other letter are not Master Plumber license numbers. You can verify the license and insurance status at the Texas State Board of Plumbing Examiner’s website.
Understand the price up-front. Determine whether you will be billed hourly or a flat rate for the job, exactly what work will be performed, how the plumber will contact you if further work is needed and acceptable payment methods.

BBB advises caution when buying a puppy for the holidays

12/20/2012

Posted on 12/20/2012 by

Tips for buying a safe and healthy pet

AUSTIN, Texas – All too often, common sense seems to fly out the window when faced with an adorable animal, but buying a pet is a long-term investment. As with any other purchase, the more you know before you buy, the better off you will be. Before buying a pet this holiday season, Better Business Bureau reminds you to do your research.

Since January, BBB has received close to 500 complaints nationally against dog breeders. Most allege that the puppies developed severe illnesses or, in some cases, passed away shortly after purchase. Additionally, some consumers allege they were misled about the dog's breed or pedigree.

Before making the leap and adding a furry friend to your family this holiday season, consider the following tips:

Find a responsible breeder. You can find responsible breeders by asking for referrals from your veterinarian or trusted friends or by contacting local breed clubs. Visit bbb.org to see the BBB Business Review of any dog breeder you are considering.
Visit the premises and ask to see the parents. Responsible breeders provide a loving and healthy environment for their canine companions, one that they will be proud to show you. Before bringing your puppy home, ask to see his or her parents and the living area where he or she was born and raised.
Ask for references. Ask the breeder for contact information of people who have bought puppies in the past. Talk to people who have had their dog for a while in order to check for issues that may not be immediately apparent.
Avoid buying a puppy online. If you cannot meet the breeder and the animal before making the purchase, it is very likely to be a scam. Especially if the so-called breeder or seller asks for money up front and/or payment via wire transfer.
Read contracts thoroughly. If the seller offers a health guarantee, make sure it is in writing. Read it carefully for limits and proof requirements. Guarantees should cover more than a few weeks or days, since it can take weeks for symptoms to appear.
Ask for medical records. Get a written account of all medical care your puppy has received, including vaccinations and antibiotics. Take this record to your vet during the first examination, which should happen within a couple days of bringing your puppy home.
Keep your puppy quarantined. If you already have pets, keep them separated from your new puppy until it is given a clean bill of health.

Beware of scammers in wake of Newtown school shooting, BBB warns

12/18/2012

Posted on 12/18/2012 by
Do your research before making a donation

AUSTIN, Texas — Better Business Bureau is alerting consumers to reports of phony charity solicitations, supposedly on behalf of the families of victims of the Sandy Hook school shooting in Newtown on Friday.

BBB recommends donors avoid giving to charities or funds through unsolicited phone calls, emails, texts or social media appeals.

Fraudulent charities commonly strike after natural catastrophes such as hurricanes, floods and earthquakes, as well as tragedies such as the Colorado theater shootings and now the Newtown school massacre.

BBB urges donors to:

Do your homework. Always research a charity through BBB’s Wise Giving Alliance website, www.give.org, before making a donation.
Find charity yourself. Rather than replying to a charity appeal, BBB recommends choosing a well-known charity or one that has been endorsed by local or state authorities in the aftermath of a tragedy.
Contact charities directly. Never click on links to charities on unfamiliar websites or in texts or emails. These may take you to a lookalike website where you will be asked to provide financial information, or download harmful malware into your computer.
Confirm text code numbers. If you plan to donate by text message, confirm the text code number directly with the charity. Also, keep in mind that text message donations are typically not immediate. Depending on your cell phone provider, the donation may not show up on your bill for 30 to 90 days.

Donors may contribute to a victims’ family fund through a collaborative effort between The United Way and Newtown Savings Bank.

Donations can be sent to: Sandy Hook School Support Fund c/o Newtown Savings Banks 39 Main Street Newtown, CT 06470.

BBB’s advice for sending gifts this holiday season

12/13/2012

Posted on 12/13/2012 by

AUSTIN, Texas - Better Business Bureau is advising consumers to plan ahead before sending those last-minute holiday packages. Last shopping season, BBB received close to 600 complaints nationwide from consumers who were disappointed with their shipment. Many of those complaints allege consumers either did not receive their packages on time, or received broken or damaged products as a result of the shipping process.

While the different delivery services have varying deadlines, and there are options for overnight delivery and other express services, the U.S. Postal Service suggests all parcel packages be sent on or before Dec. 14 and express mail on or before Dec. 22.

Additionally, for the online shoppers out there, more than 1,300 merchants are participating in Free Shipping Day on Monday, Dec. 17. On this day, participating merchants will offer free shipping, with delivery on or before Christmas Eve. To see which retailers are participating,visit www.freeshippingday.com.

To ensure your packages arrive on time and in one piece, BBB advises consumers to:

Give yourself plenty of time. When you are told the package should arrive in three to seven days, it is smart to go ahead and add a few days to the expected shipping time. With the increased activity during the holiday season, along with uncertain weather conditions, there is more likelihood that your package could be delayed.
Consider your drop-off method. Most delivery services won’t simply leave a package on a doorstep without prior authorization. When selecting your delivery option, specify delivery instructions and consider pre-signing for the delivery. This way the package can be left in the recipient’s mailbox or on his or her porch. You can also consider shipping the package to an address where someone can sign for it or pick up the package at a delivery center.
Use a service that electronically tracks your package. This allows you to keep tabs on your shipment during the delivery process.
Compare rate quotes. Rates will vary significantly by destination and weight. Do your research ahead of time and obtain multiple quotes to determine the least expensive option for your holiday shipping needs. Each of the main carriers – USPS, UPS or FedEx — has a price calculator on their website.
Verify addresses are correct and clear. If the address is incorrect or not legible, the package could get lost in shipping. Make sure to add your return address, as well. Additionally, the USPS suggests consumers put a card with both the delivery and return addresses inside each box, in case the outer labels fall off or are destroyed.

BBB’s advice for sending gifts this holiday season

12/13/2012

Posted on 12/13/2012 by

BBB helps ensure your holiday packages arrive safely and on time

AUSTIN, Texas - Better Business Bureau is advising consumers to plan ahead before sending those last-minute holiday packages. Last shopping season, BBB received close to 600 complaints nationwide from consumers who were disappointed with their shipment. Many of those complaints allege consumers either did not receive their packages on time, or received broken or damaged products as a result of the shipping process.

To ensure your packages arrive on time and in one piece, BBB advises consumers to:

Give yourself plenty of time. When you are told the package should arrive in three to seven days, it is smart to go ahead and add a few days to the expected shipping time. With the increased activity during the holiday season, along with uncertain weather conditions, there is more likelihood that your package could be delayed.
Consider your drop-off method. Most delivery services won’t simply leave a package on a doorstep without prior authorization. When selecting your delivery option, specify delivery instructions and consider pre-signing for the delivery. This way the package can be left in the recipient’s mailbox or on his or her porch. You can also consider shipping the package to an address where someone can sign for it or pick up the package at a delivery center.
Use a service that electronically tracks your package. This allows you to keep tabs on your shipment during the delivery process.
Compare rate quotes. Rates will vary significantly by destination and weight. Do your research ahead of time and obtain multiple quotes to determine the least expensive option for your holiday shipping needs. Each of the main carriers – USPS, UPS or FedEx — has a price calculator on their website.
Verify addresses are correct and clear. If the address is incorrect or not legible, the package could get lost in shipping. Make sure to add your return address, as well. Additionally, the USPS suggests consumers put a card with both the delivery and return addresses inside each box, in case the outer labels fall off or are destroyed.

'Santa fraud' could be coming to town

12/12/2012

Posted on 12/12/2012 by
BBB warns of common holiday scams

AUSTIN, Texas - While the holiday season can bring out the best in people, it can also bring out those pesky Grinches looking to taking advantage of our festive spirit. Better Business Bureau is warning of the following five most common holiday scams that could ruin your holiday cheer if you’re not careful:

1. Holiday e-card scam: You receive an eGreeting from an unnamed “relative,” or “friend,” and you have to click on a link to view it. However, clicking on the link could unleash malicious spyware or viruses. In some cases, nothing bad happens until you download software from the e-card website so you can “run your e-card.”

Tip: If there is any question of who the card came from, don’t open it! Also, be sure you have the latest anti-virus and anti-spyware software installed on your computer.

2. Delivery Scams: In this case, you receive a card saying an unsuccessful attempt was made to deliver a package to your home and directs you to call for more details. When you call the number, you get a recorded message or are kept on hold. In the end, the number you’ve called is a foreign number and you are charged high rates for the call. This scam can also come via email.

Tip: Find the contact information on your own for the company that left the message, and reach out to them directly to confirm any problems with a delivery.

3. Fraudulent websites: Be on the lookout for fake websites offering bargain prices, especially on hard to find gifts, the hot gifts for 2012 or knock-off brand name products. If the price sounds too good to be true, it probably is.

Tip: Check a seller's reputation and record for customer satisfaction at bbb.org; look for the “s” in https:// in the address box to ensure you’re shopping on a secure website; and pay with a credit card.

4. Phishing emails: You receive an email with a very tempting offer or claiming problems with an order, and are directed to click on a link. The link directs you to a fake website where you're told to enter personal and financial information.

Tip: If you receive an email similar to this, call the contact number on the website where you placed your order to confirm that there really is a problem with the transaction. Do not click on any links provided in an email from an unknown sender.

5. Fake job scam: Many retailers and manufacturers need extra staff to handle the holiday rush. Knowing this, scam artists send out emails or post to popular classified sites promising non-existent jobs. You'll eventually be asked to pay a fee for the job, or the scammer will use the info on your resume to steal your identity.

Tip: Be suspicious of “too good to be true” job offers and research the company offering the job at bbb.org. Never pay money for a job and be cautious of giving your personal information.

Money-saving tips to avoid a chilly home this winter

12/10/2012

Posted on 12/10/2012 by

BBB wants to ensure your home is properly winterized for the colder months ahead

AUSTIN, Texas — According to the U.S. Energy Information Administration, average household spending for heating oil and natural gas could increase as much as 19 percent this winter compared to last.

In preparation, Better Business Bureau has a checklist to help consumers get their home ready for the colder months ahead, while also cutting back on unnecessary energy costs:

Furnace. Have your unit inspected to make sure it is in safe, working order. Additionally, check to see that the furnace filter is clean, the thermostat is working correctly and the pilot light is functioning.
Heating ducts. According to the U.S. Department of Energy, a home with central heating can lose up to 60 percent of its heated air before that air reaches the vents. This occurs if duct work is not well-connected, improperly insulated or if air travels through unheated spaces.
Fireplace. Using your fireplace can keep you from running the heater as often, but make sure the flue is closed when it is not in use. This will keep cold drafts out of your home. If you notice a leak, have your chimney inspected or purchase a screen to cover your fireplace. You should have your chimney or wood stoves inspected annually.
Gutters and outside pipes. If freezing temperatures are expected, wrap outside pipes and clear your gutters to prevent possible cracking. Any clogs or excess water will expand as they freeze.
Caulking and weather stripping. Inspect the caulking and weather stripping around windows and doors for cracking and peeling. If you can feel air coming in, it also means heat could be getting out.

BBB’s guide to giving wisely this holiday season

12/7/2012

Posted on 12/7/2012 by

AUSTIN, Texas — The holiday season inspires people to reach out and give to those less fortunate.Although charities accept donations year-round, close to 40 percent of a charity’s annual contributions are received in the last few weeks of the year. Before giving time, treasures or talent this holiday season, Better Business Bureau reminds consumers to give wisely.

To assist donors in making sound giving decisions and to foster public confidence in charitable organizations, the BBB Wise Giving Alliance Standards for Charity Accountability were developed. These standards seek to encourage fair and honest solicitation practices, to promote ethical conduct by charitable organizations and to advance support of philanthropy.

Before you donate, heed these tips from BBB:

Do not give cash. Always make contributions by check and make your check payable to the charity, not to the individual collecting the donation.
Keep records of your donations. You have to keep record of all donations so you can document your charitable giving at tax time. Although your time as a volunteer is not deductible, out-of-pocket expenses directly related to your volunteer service to a charity may be deductible.
Be wary of imitations. Don't be fooled by names that look impressive or that closely resemble the name of a well-known organization.
Confirm text code numbers. If you plan to donate by text message, confirm the text code number directly with the charity. Also, keep in mind that text message donations are typically not immediate. Depending on your cell phone provider, the donation may not show up on your bill for 30 to 90 days.
Research the organization. Check with 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.

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

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

###

Toy safety: Important information for Santa’s helpers

12/5/2012

Posted on 12/5/2012 by

BBB helps parents choose safe, suitable toys this holiday season

AUSTIN, Texas - Back in the day, lawn darts were the height of toy fashion. Now, parents gasp at the idea of giving their children a flying projectile with a sharp metal point. Safety has become paramount to both toy manufacturers and law makers.

A report recently released by the Consumer Product Safety Commission estimated there were 193,200 toy-related injuries to children younger than 15 years of age in 2011. Of those estimated injuries, approximately 44 percent were categorized as lacerations, contusions, or abrasions of some kind. When it comes to toy-related injuries, the head and face area is the most commonly affected area of the body.

If your shopping list includes the names of a few good boys or girls, Better Business Bureau offers the following advice to ensure that the toys you give are safe.

Find out which toys have been recalled. Visit the Consumer Product Safety Commission’s website at www.recalls.gov. If the toy or product has been recalled, check the guidelines for what to do next.
Make sure the toy is age-appropriate. Toy safety isn't only about avoiding recalled products; you also need to make sure you’re buying appropriate toys for the age of the child. Read and follow the age recommendation listed on the package or toy.
Read labels. Look for age recommendations, such as “Not recommended for children under 3,” and for other safety labels including “Flame retardant” or “Flame resistant” on fabric products.
Be cautious of older toys or hand-me-downs. While buying a gently used toy might be cost effective, they may not meet current safety standards and could be too worn from play that they break and become hazardous.
Be careful when shopping online. Internet toy vendors may not be as vigilant as brick and mortar stores about pulling recalled products off the shelf or flagging bar codes.

Besides knowing how to purchase toys that are safe, it’s important to be aware of safety hazards once the toys have been opened. Once toys are opened, CPSC suggests you:

Immediately discard plastic wrapping or other toy packaging before they become dangerous play things.
Keep toys appropriate for older children away from younger siblings.
Supervise all battery charging. Chargers and adapters can pose thermal burn hazards to young children. Pay attention to instructions and warnings on battery chargers. Some chargers lack any mechanism to prevent overcharging.

Toy Recall Hotlines:

Consumer Products Safety Commission: (800)638-2772
Toy Industry Association: (888) 888-4TOYS

Keep your reviews honest this holiday season

12/4/2012

Posted on 12/4/2012 by

A study released by Gartner, Inc. predicts that by 2014, 10-15 percent of reviews online will be posted by paid reviewers. However, analysts are predicting more backlash against the practice, including new laws and stronger enforcement of existing ones.

The good news is that lawmakers, consumers and the online review sites themselves are catching on to this practice.

The guides say that if a blogger is paid — in cash or in-kind — to review a product, that connection must be disclosed. Some analysts say that could soon apply to online reviews as well.

Here are a few dos and don’ts when it comes to online reviews:

Do encourage feedback. To balance out any negative reviews, encourage your customers to leave a positive review if they had a good experience. This will help paint a fairer picture of how you do business. Consumers can compliment your business through BBB’s website by visiting centraltx.app.bbb.org/compliment.
Don’t buy positive feedback. While you may encourage your customers to leave positive reviews, never offer discounts, free products or other compensation for doing so. Such a practice is dishonest, and should the FTC decide to get tough, both you and the reviewer could face legal action.
Do embrace negative reviews. Though a negative review can be upsetting, look at it as an opportunity to improve your customer service. Try to reach out to the customer and resolve the issue.
Don’t offer incentives to change the review. While it’s certainly a good business practice to offer the customer a resolution to his or her specific issue, never do so in exchange for a positive review. A happy customer will likely change a negative review without extra incentives.
Do monitor your company’s profiles. Set up an alert and regularly visit several online review sites to stay current with what your customers are saying about your company.
Don’t post any reviews yourself. Never post your own review or ask friends and family members to post reviews. Only legitimate customers should post reviews of your company.

Holiday donations could help your business

12/4/2012

Posted on 12/4/2012 by

Charity contributions totaled less than $300 billion last year, according to the Giving USA Foundation, a 0.9 percent increase over 2010. More than 80 percent of that total came from individual donors. BBB reminds businesses that charity giving during the holiday season can make a difference and increase brand awareness at the same time.

“Businesses have a wonderful opportunity during the holiday season to help those who are less fortunate,” said Carrie A. Hurt, President and CEO of BBB serving Central, Coastal and Southwest Texas. “The free exposure and marketing that comes with their generosity is a great way to get the attention of consumers.”

BBB recommends using the following tips when deciding if and how your business will donate to a charity:

Consider a local charity. Find an organization that appeals to the same demographic as your business. For example, if your company sells clothing items, consider aligning yourself with a children’s or women’s shelter where your donation directly impacts the individuals there.

Do Research. Once you find a charity your business would like to help, learn how the organization uses the donations it receives by reviewing its BBB charity report online at www.give.org.

Avoid giving to the wrong charity. Scammers tend to make up fake charities with names that are very similar to reputable organizations. Check the name of the organization closely to ensure you are giving to the right one.

A Donation Doesn’t Have to be Money. Consider having your employees volunteer their time to help a charity during the holiday season. Call the charity directly and ask them if there are opportunities available and make it a company event. Consider wearing matching clothes to identify your business while you volunteer to market your brand.

Consider a Direct Donation. If you prefer to make a monetary donation, you can do so by check or credit card. If you donate online, be sure to print the confirmation page for your records as many donations are tax-deductible. Donating a percentage of your sales for a given period of time can help create extra exposure for the charity as well as your company.

Spread the Word. Don’t be shy about letting your customers know of your company’s generosity. Sharing your efforts through advertising can help educate people about a charity’s mission and could increase the amount of support for its cause.

For more information on donating to charities, visit BBB’s Wise Giving Alliance at www.give.org and to check the reliability of a company, visit www.bbb.org.

Fast cash may end up costing consumers

12/4/2012

Posted on 12/4/2012 by

AUSTIN, Texas — Better Business Bureau is warning consumers looking for payday or car title loans to research a company or website’s reputation and read all the fine print before giving your personal information or signing any agreements.

This year, BBB has received more than 3,300 complaints nationwide against payday lenders. Many of those complaints allege fraud —including companies initiating loans or withdrawing money without permission,or calling to collect a debt that the consumer claims was never owed. Other complaints allege poor customer service or unscrupulous collection tactics.

Consumer advocates have been warning those who are cash-strapped for years about the predatory practices of payday and car title lenders. These lenders offer short-term loans for those whose credit is not good enough to obtain a credit card or bank loan.

In Texas, payday and car title lenders are required to obtain a license and display a schedule of fees in a visible location in the store. However, a study by the Pew Charitable Trusts shows that those lenders are still allowed to charge high fees and interest rates.

The study also found that approximately 8 percent of adults in Texas have taken out a payday loan in the last five years, compared to 5.5 percent nationwide.

The fees and interest rates did prompt the federal government to take action — in 2006 Congress banned lenders from offering payday or car title loans to members of the military.

In 2008, the Federal Trade Commission warned that some of the fees on short-term loans can add up to 650 percent interest.

Austin resident Scott Tintera said he will never deal with a short-term lender again after his experience with a car title loan.

“It’s a rip off,” he said. “I’ll never do it again. You might as well just give your car to them after you get the money.”

Tintera said he had fallen behind on his payments, but called the company to work out a payment arrangement. He added that he called on a Wednesday to tell the company he would bring his payment in on Friday.

“They said it was no problem,” he said.

However, that Friday morning, a tow-truck driver showed up at his office to repossess his truck. He called his lender, and he said the woman who answered the phone acknowledged that she had agreed to the payment arrangement. However, Tintera added, her supervisor told the tow truck driver to proceed anyway.

“I’m sitting there, I’ve got the cash in my hand,” he said. "If I’ve violated my agreement, don’t tell me it’s OK. I would have made arrangements to pay sooner.”

Tintera said that his payment would have been $700. When he went to get his truck back, the company told him he would have to first pay off the entirety of the loan then pay several fees. The total amounted to thousands of dollars.

He did not have the money, so he said the company sold his truck.

“They pretty much just stole my truck is how I see it, because the payment was in my pocket,” he said.

The FTC advises consumers to consider alternatives to payday lending if they need money fast, including small bank loans, credit counseling and credit cards.

For those with no other option, BBB offers the following tips:

Start with trust. Check out the company’s BBB Business Review to see its rating, history of complaints and other information.
Never pay an up-front fee. Some short-term loan providers will ask for a post-dated check to cover the amount you borrowed plus interest and fees. However, if any lender asks for those fees in cash before giving you any money, walk away — especially if it’s an online lender asking for money via wire transfer. Charging up-front fees is illegal, and cash sent by wire cannot be traced.
Limit the amount you borrow. Only borrow what you know you can pay off with your first paycheck. Most companies will allow you to “rollover” the balance for several weeks or months, but tack on fees the whole time. This can result in you owing several times what you borrowed in the first place.
Know your rights. In Texas, payday lenders are required to disclose certain information before initiating a loan. That information includes the costs, how it compares to other loans and the interest rate if not paid in full. Members of the military enjoy even more protections, thanks to federal law.
Read the fine print. Pay close attention to fees and consequences of non-payment. Will the company allow you to make arrangements if you cannot pay? How quickly will the company repossess your car?
Keep your documentation. Many consumers said they started receiving calls from collections agencies years after they paid off a payday loan. Some of these calls were simple errors; others were attempts by scammers to collect a debt that is not owed. Protect yourself by having documentation that all loans were paid in full.
Know where to turn. If you feel a lender has committed fraud or taken advantage, file a complaint with BBB, the FTC and the Texas Attorney General.

Recent surge in BBB branded phishing emails

12/4/2012

Posted on 12/4/2012 by
In the past few days, we've seen a dramatic increase in complaints and conversations regarding suspicious BBB emails that have been circulating. Scammers have been using the BBB logo and brand to spread viruses and malware on to unsuspecting users' computers.

Many users have received emails about a possible BBB complaint against them or their business, sometimes even if they're not business owners or accredited with BBB.

It's pretty sneaky, and many people have already fallen victim to the scammers' trick and clicked on the link or downloaded the attachment provided in the email, which usually results in some type of malware or virus infection.

The Council of Better Business Bureaus is aware of this malicious spam campaign using the BBB's trusted name, and has been working diligently to identify and stop the source of these phishing emails.

If you receive a suspicious email that looks like a BBB complaint:

Do not click any of the links or download any attachments contained in the email.
Check the content of the email for any obvious mistakes like misspellings, grammatical errors, or generic greetings. These are usually present in scam emails.
Forward the email to: phishing@council.bbb.org
Delete the email.
If you're unsure of the legitimacy of any BBB email you've received, call us! We'd be happy to look into it for you.

Here are a couple screenshots of phishing emails some people have received. They probably won't all look like these, but if you receive something similar, be cautious in opening it and forward it straight to phishing@council.bbb.org.

Recent Surge in BBB Branded Phishing Emails

12/4/2012

Posted on 12/4/2012 by
In the past few days, we've seen a dramatic increase in complaints and conversation regarding the suspicious BBB emails that have been circulating. These scammers have been using the BBB logo and brand to push viruses and malware on to unsuspecting users' computers. Many users receive an email about a possible BBB Complaint against them or their business, sometimes even if they're not even business owners or accredited with BBB.

It's pretty sneaky, and many people have already fallen victim to the scammers' trick and clicked on the link or downloaded the attachment in the email which usually results in some type of malware or virus infection.

The Council of Better Business Bureaus is aware of this malicious spam campaign using the BBB's trusted name, and has been working diligently to identify and stop the source of these phishing emails, but they could certainly use your help as well.

If you receive a suspicious email that looks like a BBB Complaint:

Do not click any of the links or download any attachments contained in the email.
Check the content of the email for any obvious mistakes like misspellings, grammatical errors, or generic greetings. These are usually present in scam emails.
Forward the email to: phishing@council.bbb.org
Delete the email.
If you're unsure of the legitimacy of any BBB email you've received, call us! We'd be happy to look into it for you.

Avoid online scammers on Cyber Monday

11/21/2012

Posted on 11/21/2012 by

BBB offers tips for protecting yourself from online scams on Cyber Monday

AUSTIN, Texas — Tomorrow is Cyber Monday, one of the busiest online shopping days of the year. In a study released by shop.org, online holiday sales for 2012 are expected to increase 12 percent compared to last year.

Shopping online means avoiding the crowds, but it also opens buyers up to attacks from scammers and hackers. Better Business Bureau offers these online shopping tips to help fight unscrupulous online retailers:

Shop on trustworthy websites. Check a seller's reputation and record for customer satisfaction at bbb.org. And look for the “s” in https:// in the address box to ensure you’re shopping on a secure website.
Beware of “too good to be true” deals. Beware of offers on websites and in unsolicited emails offering extremely low prices on hard-to-get items. Don’t be afraid to pass up a "deal."
Beware of phishing. If you receive an email claiming problems with an order that asks for personal information or financial information, call the contact number on the website to confirm that there really is a problem with the transaction.
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.
Verify shipping and delivery dates. 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.
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.

Support local businesses during Small Business Saturday

11/21/2012

Posted on 11/21/2012 by

AUSTIN, Texas — Small Business Saturday is tomorrow, Nov. 24, and Better Business Bureau is encouraging consumers to support small businesses in their area.

Small Business Saturday was started in 2010 by American Express. The purpose of this day is to help small businesses get more exposure during one of the biggest shopping weekends of the year, Black Friday weekend. In 2011, more than 100 million people supported the cause and shopped at local, independently owned businesses.

Any small business can participate in Small Business Saturday by simply being open. American Express is offering free resources to any business that wants to participate, including free personalized in-store signage and email and social media templates that can be used to promote a business’s participation in Small Business Saturday.

In addition, qualifying businesses can create free ads that link to their website or their Facebook page. American Express will run these ads in a geo-targeted ad buy at no cost to the businesses.

Consumers are a key part to the success of any businesses. Without customers a business wouldn’t thrive. By shopping or dining at a small business this Nov. 24, you are showing your support for small businesses everywhere. The more people and businesses that get involved, the bigger and more beneficial the day will be.

More information on Small Business Saturday can be found at smallbusinesssaturday.com.

Don’t be left in the dark on Black Friday, be prepared

11/21/2012

Posted on 11/21/2012 by

BBB tips to avoid a stressful Black Friday weekend

AUSTIN, Texas — Black Friday is considered one of the biggest shopping weekends of the year. Millions of shoppers, having researched for weeks, visit their favorite retailers and wait in line for hours to score big and save money on their holiday wish list items.

According to the National Retail Federation, 147 million people plan to shop Black Friday weekend. Additionally, in a survey conducted for NRF by BIGinsight, 70.4 percent of adults said they plan to spend more, or at least the same, as they spent last year on holiday shopping.

Better Business Bureau has these tips to help consumers save time, stress and money on this busy shopping weekend:

Plan ahead. 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 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.
Research products. Just because an item is in high-demand and being offered at a low price, doesn’t mean the product is worthwhile or right for you. Thoroughly research any product you’re interested in purchasing to see how it is performing in the marketplace.
Don’t be misled by tricky advertisements. 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.
Ask about return policies. Many stores have a 30-day return policy, but 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.
Think twice about store credit cards. Some retailers will offer additional savings to incentivize consumers to sign up for their credit card. However, these cards often times carry high interest rates or annual fees. If you do not plan on shopping at a particular retailer very often, the credit card might not be financially beneficial for you.

Don’t be left in the dark on Black Friday, be prepared

11/21/2012

Posted on 11/21/2012 by

BBB tips to avoid a stressful Black Fridayweekend

AUSTIN, Texas — BlackFriday is considered one of the biggest shopping weekendsof the year. Millions of shoppers, having researched for weeks, visit theirfavorite retailers and wait in line for hours to score big and save money ontheir holiday wish list items.

According to the NationalRetail Federation, 147 million people plan to shop BlackFriday weekend. Additionally, in asurvey conducted for NRF by BIGinsight, 70.4 percent of adults said they planto spend more, or at least the same, as they spent last year on holidayshopping.

BetterBusiness Bureau has these tips to help consumers savetime, stress and money on this busy shopping weekend:

Plan ahead. Take time to printout or clip ads for items you are interested in buying to help outline yourshopping day in advance.
Create a budget. Knowwhom you are buying gifts for and how much you are willing to spend. As you buygifts, keep track of the cost and avoid impulse purchases to preventover-spending.
Research products. Just because anitem is in high-demand and being offered at a low price, doesn’t mean theproduct is worthwhile or right for you. Thoroughly research any product you’reinterested in purchasing to see how it is performing in the marketplace.
Don’t be misled by tricky advertisements. Read the fine printon all advertised sales to make sure you are truly saving money, and bring thead with you. Watch for discrepancies in advertised prices and the prices on theshelf. Verify the real price before checking out.
Ask about return policies. Many stores have a30-day return policy, but it is important to read the terms and conditionsassociated with each purchase. And remember that the refund policy usuallyapplies to the day you purchase the item not when you give the item as a gift.
Thinktwice about store credit cards. Some retailers willoffer additional savings to incentivize consumers to sign up for their creditcard. However, these cards often times carry high interest rates or annualfees. If you do not plan on shopping at a particular retailer very often, thecredit card might not be financially beneficial for you.

BBB’s guide to gift card giving

11/16/2012

Posted on 11/16/2012 by

Advice for purchasing gift cards

AUSTIN, Texas — With the holiday season right around the corner, many shoppers are looking for the best gift options for family and friends. Gift cards may seem like a simple solution, but Better Business Bureau is warning that some gift cards could carry high fees making them far from a good deal.

The Credit Card Accountability, Responsibility and Disclosure (CARD) Act, which took effect in 2010, established standards that give consumers additional protections when using gift cards. The standards prohibit retailers from:

setting expiration dates less than five years after the card is purchased; and
charging dormancy, inactivity, and service fees unless the card has not been used for at least 12 months. If fees are charged after this period, the details of such fees must be clearly disclosed on the card.

These standards apply to store gift cards and general use prepaid cards, which are often branded by payment networks such as Visa,MasterCard and American Express.

But there are some details the CARD Act doesn’t cover. For example, issuers can still charge fees every time the card is used, the balance is checked, a replacement card is requested or when customer service is called.

BBB recommends the follow tips before buying a gift card:

Research before you buy. Buy from a known and trusted source. Research businesses at bbb.org to see a company’s BBB Business Review. Avoid online auction sites, because the cards sold there could be counterfeit or obtained fraudulently.

Read the fine print. Fully understand how the card works, if there are any fees associated with buying or using the card and if any fees will be deducted from the card after it is purchased.
Inspect the card before buying. Verify that protective stickers have not been removed and the PIN Number on the back of the card is not exposed. Report any damaged cards to the store selling the cards.
Provide receipt with gift card. Give the recipient of the gift card the original receipt in case the card is lost, stolen or there is a discrepancy with the balance.

Online pharmacies could potentially endanger your health, BBB warns

11/15/2012

Posted on 11/15/2012 by

AUSTIN, Texas — As more and more consumers search for less expensive alternatives to the high cost of prescription drugs, many have turned to online pharmacies. Online pharmacies can be a quick and easy way to get prescription drugs delivered straight to your door, but Better Business Bureau is warning that finding a safe site to order from could prove more difficult.

According to a report released by the National Association of Boards of Pharmacy (NABP), 97 percent of 10,000 websites analyzed were operating out of compliance with U.S. pharmacy law.

Ordering prescriptions through a rogue operator could put you or your family at risk. According to NABP, many websites selling prescription drugs are unlicensed, operating illegally, or operating from foreign countries where medicines shipped to the United States are unregulated. Therefore, there is no way to know whether the medicine is contaminated, sub-potent, super-potent, expired, counterfeit, or whether it has been stored and shipped under proper conditions to maintain its effectiveness.

According to the FBI, here are some ways you can identify a legitimate online pharmacy:

A prescription from a licensed doctor is required;
The site makes you submit a detailed medical history;
Its payment, privacy and shipping fees are clearly stated on its site; and
A secure or encrypted website connection is used for transactions.

Consumers looking for a safe, regulated online pharmacy should:

Verify its license. Every online pharmacy should be licensed with its state. For Texas pharmacies, go to http://www.tsbp.state.tx.us/to verify the license.
Look for a verification seal. In the U.S., there are two verification programs for online pharmacies that are recognized by the National Association of Boards of Pharmacy — the Verified Internet PharmacyPractice Sites Program and LegitScript.
Research the company. Go to bbb.org to see a company’s BBB Business Review, which will show its BBB rating, any history of complaints and how long the business has been operating.

BBB helps business owners prepare for Formula 1 crowd

11/13/2012

Posted on 11/13/2012 by

BBB tips on accepting foreign currency

AUSTIN, Texas — The newly built Circuit of the America’s is expected to draw approximately 800,000 to 1.2 million people annually to the city of Austin. With the influx of people visiting each year, many of whom are from overseas, Better Business Bureau advises business owners to be prepared and educated on foreign currency exchange rates.

To avoid turning away potential customers who haven’t had a chance to visit a currency exchange or bank, some business owners might find it advantageous to accept foreign currency.

If you’re a business owner considering accepting foreign currency, here are a few tips to keep in mind:

Check with your bank. Speak with your local bank to ensure it will accept foreign currency deposits, and if so, if there are any fees associated with depositing foreign currency. If you have a merchant-services account, inquire if a conversion fee is applied to any foreign currency transaction.

Beware of additional surcharges. Both Visa and Mastercard are global institutions and cards that bear their logo are accepted in every store that accepts that brand of card; however, both issuers can add surcharges that can range between .5 to 1 percent.

Have an updated conversion sheet. Have a currency converter sheet near the register to help with transactions. The IRS is a great resource for up-to-date foreign currency rates.

Be aware of ever-changing exchange rates. There could be a slight risk of accepting foreign currency as the value of the currency can decrease. However, the value of the currency is just as likely to increase, giving you a slight gain from the increase.

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Better Business Bureau Named a Top Austin-Area Employer

11/12/2012

Posted on 11/12/2012 by

BBB ranks number 21 on Austin American-Statesman’s Top Workplaces List of 2012

AUSTIN, Texas — Better Business Bureau serving Central, Coastal, Southwest Texas and the Permian Basin was named one of the top small workplaces in Austin. This is the second time our organization has won this honor. The first time was in 2010.

This year’s Austin American-Statesman’s Top Workplaces of Greater Austin project involved surveys of 20,060 workers from 138 Austin-area employers. The anonymous employee surveys were conducted and analyzed by Austin American-Statesman partner WorkplaceDynamics, LLP, an Exton, Pennsylvania-based company with expertise in employment engagement surveys.

“We are honored to be recognized as one of Austin’s top workplaces,” said Carrie Hurt, President/CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “And I’m very proud to know that my employees see our organization as a positive working environment. I think that helps us work even harder for the community, and grow into the future.”

The surveys asked employees to rate their employers on issues such as leadership and direction, ethics and values and how well employees are treated. Based on the survey results, WorkplaceDynamics came up with the list of the top 85 Austin-area employers which they grouped into three categories — large (500 or more employees), medium and small (150 or fewer employees).

BBB serving Central, Coastal, Southwest Texas and the Permian Basin was also recognized nationally this year by The NonProfit Times and Best Companies Group as one of the 50 Best NonProfit Organizations to Work for in 2012. This is the second year in a row the organization has received this honor which recognizes the best places of employment in the nonprofit industry.

Better Business Bureau named a top Austin-area employer

11/12/2012

Posted on 11/12/2012 by

BBB ranks number 21 on Austin American-Statesman’s Top Workplaces List of 2012

This year’s Austin American-Statesman’s Top Workplaces of Greater Austin project involved surveys of 20,060 workers from 138 Austin-area employers. The anonymous employee surveys were conducted and analyzed by Austin American-Statesman partner WorkplaceDynamics, LLP, an Exton, Pa.-based company with expertise in employment engagement surveys.

“We are honored to be recognized as one of Austin’s top workplaces,” said Carrie Hurt, president & CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “ I’m very proud to know that my employees see our organization as a positive working environment. I think that helps us work even harder for the community, and grow into the future.”

Those that have served our nation likely targets of Veterans Day scams, BBB warns

11/8/2012

Posted on 11/8/2012 by

AUSTIN, Texas — Veterans Day honors those who have served our country. But Better Business Bureau is warning it also serves as an opportunity for scammers to target those who previously served our nation, their families and those who are currently serving.

Scams targeting veterans can take many forms. The following are five of the most common fraudulent offers and scams targeting our veterans:

Firms that charge veterans for products and services they can receive for free or at lower cost elsewhere, such as military records and forms.
Scammers who contact veterans claiming they need to update their credit card information or other records with the Veterans Administration. The scammers then use the information to commit identity theft.
Flashy military loan offers promising "instant approval," "no credit check" and "all ranks approved." These loans often come with sky-high interest rates and hidden fees.
Fraudulent housing ads offering military discounts.Typically these ads use stolen photos of legitimate rental properties to bait renters out of security deposits.
“Veterans for Hire.” Scammers pose as representatives from government contracting firms, and when they are contacted by a veteran, they claim to need a copy of the veteran’s passport before they can offer him or her the job. In the end, there is no job offer and the con artist now has the veteran’s personal information.

To protect yourself from these scams, BBB offers these tips for veterans:

Protect Finances. Never wire money to strangers.
Check Companies and Charities. Go towww.bbb.org to see a company’s BBB Business Review or www.give.org for a BBB report on a charity.
Defend Computers. Avoid visiting unfamiliar sites or opening emails from unknown senders. Install a firewall and keep anti-virus software updated.
Safeguard your identity. Actively deployed military personnel can place an "active duty alert" on their credit reports to help minimize the risk of identity theft.
Report Scams. File a complaint withyour BetterBusiness Bureau, the Federal TradeCommission, or the Internet Crime Complaint Center.

BBB helps consumers land a holiday job

11/8/2012

Posted on 11/8/2012 by

AUSTIN, Texas — According to the National Retail Federation, retailers are expected to hire between 585,000 and 625,000 seasonal workers this holiday season. Better Business Bureau recommends applicants apply early, research potential employers and be cautious of fraudulent job offerings.

With the national unemployment rate hovering at about 7.8 percent, competition for seasonal jobs could prove to be quite difficult. Here are a few tips applicants can use to position themselves as ideal candidates:

· Do research ahead of time. Find out which companies are offering seasonal employment opportunities, and whether that would be a place you would like to work. Then, use bbb.org to find additional information on the company including consumer complaints about the company, and other details.

· 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 fake jobs aimed at stealing money or the identities of job seekers. Never give your personal information without thoroughly researching the company first.

· 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 may not 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, inconvenient hours, and often on 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 shoppers, long check-out lines and holiday returns.

Tocheckthe reliability of a company and findtrustworthy businesses, visit bbb.org.

Don’t Leave Your Customers in the Dark this Black Friday

11/6/2012

Posted on 11/6/2012 by

BBB helps business owners avoid common advertising mistakes

Black Friday and Cyber Monday are just a few weeks away,which means many businesses will start advertising seasonal sales and specials to attract holiday shoppers. While most ads are straightforward and provide helpful information to consumers, BBB often receives complaints about misleading holiday sales ads. To help prevent miscommunication between you and your customers, BBB offers the following tips on how to clearly advertise your holiday sales.

“Free”
Only advertise “free” if the offer is unconditional. If your customers have to purchase an item in order to receive the free gift, you must clearly disclose the condition next to 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.”

“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. The number of items available at the maximum savings should comprise at least 10 percent of the items sold.

“Lowest Price”
Avoid claims such as “our prices can’t be beat” or “lowes tprices in town.” Prices for products and services fluctuate regularly, and it can be extremely difficult to claim with certainty that your prices are lower than 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 and provide details upon request.

“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 the regular price, and the item should not be advertised as “on sale.”There should also be a clear end date to any sale.

“No. 1” or “Top Rated”
Use statements like “No. 1” or “top rated” only if they can be substantiated by facts, or are validated by a neutral third party. BBB’s Code of Advertising suggests avoiding subjective claims based on a company’s opinion.

“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 info@centraltx.bbb.org or consult BBB’s Code of Advertising online at centraltx.bbb.org/bbb-code-of-advertising.

Your BBB Awarded Highest Honors at 2012 International Assembly

11/6/2012

Posted on 11/6/2012 by

BBB serving Central, Coastal Southwest Texas and the Permian Basin recently earned several awards at the 2012 International Assembly of Better Business Bureaus in Washington, D.C. The awards – including outstanding investigation, business development, accreditation support and alternative dispute resolution – recognize multiple facets of Better Business Bureau’s work in the community. This recognition is a testament to businesses like yours, for committing to an ethical marketplace where buyers and sellers can trust each other.

All 115 BBBs throughout the United States and Canada were invited to submit award entries based on outstanding BBB work in nearly a dozen award categories. Presidents and CEOs from other Better Business Bureau’s sat as the panel of judges. In the end, your BBB was recognized for the following achievements:

Accreditation Support
This award highlighted the various ways your BBB creates value for BBB Accreditation.

Conciliation andArbitration
Your BBB was recognized for outstanding work in resolving complaints through alternative dispute resolution. By working with local professional mediators, consumers and businesses resolved nearly 80 percent of complaints that entered into mediation. This work also strengthened the relationship between local businesses and their customers.

Investigation
At the core of BBB’s mission is denouncing substandard marketplace behavior. Your BBB received an outstanding award for an investigation into a local coin dealer that generated numerous complaints by consumers who paid thousands of dollars for products they never received.

Technology/Internet
WatchYourBuck.com, your BBB independent blog was recognized for its increasing role in informing the public on the latest scams and marketplace trends. Every month, thousands of consumers and businesses turn to this website for important information.

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 this year, your organization continued its vital role of maintaining high standards of trust in the marketplace.

Outreach
An Honorable Mention was awarded to your BBB for its series of monthly webinars geared towards local Accredited Businesses. The purpose is to educate businesses on ethical techniques to help them grow and thrive in a competitive marketplace, and maintain trust between the business community and consumers. Some popular topics included the advantages of using social media, how to handle consumer complaints and marketing 101.

To see a list of all past awards won by your BBB, visit centraltx.bbb.org/bbb-awards-and-recognition.

BBB Shred Day events help local communities shred and recycle 78 tons of personal documents

11/2/2012

Posted on 11/2/2012 by

3,230 cars came out to BBB’s free Shred Day events

AUSTIN,Texas—Better Business Bureau fall Shred Day events helped local consumers and businesses shred and recycle more than 175,000 pounds of confidential documents, computer parts and cardboard.

More than 155,000 pounds of paper documents were safely disposed of by certified document destruction specialists. Here is the breakdown from the following Shred Day locations:

- Austin: 26,500 pounds of paper; 876 local participants

- Corpus Christi: 35,500 pounds of paper; 611 participants

- Killeen: 14,000 pounds of paper; 409 participants

- Permian Basin: 10,000 pounds of paper; 191 participants

- San Antonio: 70,000 pounds of paper; 1,143 participants

According to the Federal Trade Commission,as many as 9 million Americans have their identities stolen each year. One of the most common methods used by thieves to steal personal information is dumpster diving, which entails thieves rummaging through trash looking for old bills or other documents that contain personal information.

In addition to helping consumers protect their identity, Shred Day events have a positive impact on local communities and the environment. The amount of paper documents shred and recycled is saving the equivalent of:

- 1,326 trees

- 156 barrels of oil

- 546,000 gallons of water

- 319,800 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.

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.

Watch out for fraudulent "Frankenstorm" donation pleas, BBB warns

11/1/2012

Posted on 11/1/2012 by

AUSTIN, Texas — “Frankenstorm” Sandy smashed the East Coast Monday, causing flooding and loss of power for millions. Natural disasters can bring out the best in people, as strangers reach out to help those in need. Unfortunately, they can also bring out those looking to take advantage of the situation. Better Business Bureau is reminding consumers to do their research before donating to relief efforts.

When looking to donate to a charity, BBB suggests consumers check with the IRS to ensure the organization is recognized as a 501(c)(3); get a better understanding of how their donation will be used; and choose an organization that has experience in the specific type of relief efforts they are claiming to undertake.

Additionally, consumers can use www.give.org to help make a more informed giving decision. There, consumers can view a national charity’s financial information and get additional details about the organization.

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 about the organization. Examples include: 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 consistently in need of support. If a solicitor pressures you to donate immediately without allowing you time to research the organization, reconsider your donation.

· Insistence on cash donations. Don’t be forced into making a cash donation. You should be able to donate using a credit card or check, and get a receipt for your donation. However, you should never provide your credit card information to an unsolicited caller.

· Prizes. Some callers will insist you won a prize in a contest you never entered, and then solicit a donation. Such calls are almost always a scam.

· Similar names. Many scammers try to add legitimacy by using a name that is very close to a well-known and well-respected charity. Check the name closely and make sure you are giving to the charity for which you actually intend to help.

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

About Better Business Bureau:
BBB's mission is to be theleader in advancing marketplace trust. BBB accomplishes this mission bycreating a community of trustworthy businesses, setting standards formarketplace trust, encouraging and supporting best practices, celebratingmarketplace role models and denouncing substandard marketplace behavior.

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

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Layaway plans could create a shopping headache this holiday season

10/29/2012

Posted on 10/29/2012 by

BBB advises consumers to read the fine print on layaway contracts

AUSTIN, Texas — Many retailers rolled out their layaway plans for the holidays a month earlier than last year. Some are even offering additional incentives to use the layaway option, such as cutting fees and increasing the number of items eligible for layaway. But Better Business Bureau is warning that putting an item on layaway could result in some costly shopping blunders.

The layaway concept dates back to the Great Depression, when cash-strapped families found the idea of paying for items on a monthly or weekly basis attractive. The concept lost its luster in the days of easy credit, but it has been revived and proved popular in the last couple of years.

Additionally, third-party businesses have sprung up, offering online layaway plans between customers and retailers. Consumers can create and manage a payment schedule within their budget and make periodic payments to the third-party layaway service provider. Once the item is fully paid for, the business buys the item from the retailer and ships it to the customer.

For any consumer considering alayaway plan, BBB advises:

· Plan ahead. Before signing a layaway contract, make sure you can actually come up with the money to pay for the products. Unlike outstanding credit card debt, which will just accumulate interest, failure to pay your layaway means you lose don’t just lost the product, but also any fees you may have paid.

· Obtain a written contract. Ask the company for a written contract and read it carefully. Contracts should include when payments must be made and what happens if a payment is late. Keep in mind that each company may have a different layaway policy.

· Confirm how long the item can be kept on layaway. Some stores only hold items for a specific number of months, and then redistribute them for re-sale.

· Ask where item(s) will be stored. Be sure your items will be placed in a secure area until all payments are made, so they won’t be sold to other customers.

· Read the company's refund policy.What happens if you change your mind and decide not to purchase the item? Besure to check if refunds are available.

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

About Better Business Bureau:
BBB's mission is to be theleader in advancing marketplace trust. BBB accomplishes this mission bycreating a community of trustworthy businesses, setting standards formarketplace trust, encouraging and supporting best practices, celebratingmarketplace role models and denouncing substandard marketplace behavior.

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

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BBB advises consumers be cautious when shopping at seasonal Halloween stores

10/24/2012

Posted on 10/24/2012 by
BBB advises consumers be cautious when shopping at seasonal Halloween stores

BBB tips on avoiding issues with seasonal and online retailers

AUSTIN, Texas - Oct. 24, 2012 – According to the National Retail Federation, 170 million Americans will spend approximately $8 billion this year on Halloween candy, pumpkins, decorations and costumes. Better Business Bureau advises consumers to be cautious when shopping for Halloween goodies and be wary of fly-by-night costume vendors.

Because of the popularity of this holiday, many retail shops pop up in October and are gone by November. Because of the short window of operation, consumers could find it increasingly difficult to return an item if something is wrong or resolve any post-holiday dispute.

Nationwide, BBB received 357 complaints about costume stores and websites in the last year. Complaints allege deliveries were late or never arrived, products were poor quality or consumers had difficulty obtaining refunds because the store had already closed.

BBB offers these four tips to help you avoid fraudulent Halloween stores:

1. Research the store. If you're interested in trying a new or unfamiliar merchant, check out its BBB Business Review. This will provide some detail about pas company performance.

2. Review the return policies. Make sure to read through and understand the return policies, as many seasonal stores may have an “all sales final” policy.

If you’re renting a Halloween costume or props, make sure you understand the terms and conditions associated with the rental. Often, rentals require a down payment that you may not get back if you are late to return the item or if the item is damaged.

3. Ask how long a store will operate. Mainly, determine if the store will be open after the holiday and whether it will accept returns when the season is over. If not, take more time to be sure the item is exactly what you want before making the purchase.

4. Leave nothing to chance with online purchases. Make sure the total cost and any shipping and handling charges are clearly outlined. Find out how long it will take for your order to arrive. Federal law requires that goods and services be delivered within 30 days, unless a different delivery period is specified by the merchant.

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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In honor of Breast Cancer Awareness Month, BBB warns consumers about “pink” product claims

10/19/2012

Posted on 10/19/2012 by
In honor of Breast Cancer Awareness Month, BBB warns consumers about “pink” product claims

BBB tips for consumers looking to support Breast Cancer Awareness

AUSTIN, Texas - Oct. 19, 2012 – Every October, thousands of products display the pink ribbon or pink packaging in honor of National Breast Cancer Awareness Month. While many of these products have a real tie to breast cancer charities, other pink-labeled products can be described as a form of “pinkwashing,” and provide very limited benefit to charities, if any at all.

“Pinkwashing” is a term used to describe unscrupulous companies that claim to support breast cancer, but never actually fulfill their claim about donating toward breast cancer charities.

“It’s far too easy for a company to market itself as a benefactor of breast cancer charities,” said Carrie A. Hurt, president and CEO of BBB serving Central, Coastal, Southwest Texas and the Permian Basin. “This is why BBB encourages consumers to be vigilant and thoroughly research any claim a company makes about giving back to charity.”

If you want to support breast cancer charities by purchasing products, the BBB advises you to look into how that purchase will benefit a charity and which charity will get the money.

Additionally, consumers should:

· Inspect the product for information. Look for detailed information on the packaging that explains how much of the purchase price will benefit the charity, the duration of the campaign and any maximum amount.

· Check the company’s website. If the information isn’t on the product itself, go to the company’s website. If you still can’t find the information, call the company directly. And don’t be afraid to ask detailed questions about the organization and where your money will go.

· Research the charity. 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 that the programs and distribution of money are in line with your goals. For local charities, ask for an annual report or a 990 IRS form to see a breakdown of where the money is allocated.

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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Local community invited to BBB’s 9th bi-annual Shred Day event

10/18/2012

Posted on 10/18/2012 by
Local community invited to BBB’s 9th bi-annual Shred Day event

Shred Day is an identity theft, fraud prevention and educational initiative

AUSTIN, Texas — Better Business Bureau invites area consumers and businesses to participate in its bi-annual Shred Day events Saturday, Oct. 20 and Saturday, Oct. 27.

Shred Day is an opportunity for local consumers and businesses to prevent identity theft and help the environment through free on-site document shredding, as well as paper, cell phone and computer recycling. BBB Shred Day events will be held in the following cities:

AUSTIN
Date: Saturday, Oct. 20
Location: Dell's Round Rock Campus, 2401 Greenlawn Blvd.
Time: 9:00 a.m. to 12:00 p.m.
Recycling available: Cardboard, cell phones and computer parts

CORPUS CHRISTI
Date: Saturday, Oct. 20
Location: KIII-TV studios, 5002 S. Padre Island Dr.
Time: 9:00 a.m. to 12:00 p.m.
Recycling available: Cell phones

SAN ANTONIO
Date: Saturday, Oct. 20
Location: AT&T Center, 1 AT&T Parkway
Time: 9:00 a.m. to 12:00 p.m.
Recycling available: Cardboard, cell phones and computer parts

KILLEEN
Date: Saturday, Oct. 27
Location: First National Bank Texas, 2201 Trimmier Rd.
Time: 9:00 a.m. to 1:00 p.m.
Recycling available: Cardboard, cell phones and computer parts

ODESSA
Date: Saturday, Oct. 27
Location: Complex Community Federal Credit Union, 4900 E. 52nd St.
Time: 9:00 a.m. to 1:00 p.m.
Recycling available: Cardboard, cell phones and computer parts

Free shredding and recycling services will be available until the end of the events or until the shred trucks reach capacity. Consumers can bring up to two boxes of sensitive documents per vehicle to be shred on-site. Monetary donations benefiting BBB Education Foundation will also be accepted.

In 2011, BBB Shred Day events served more than 7,500 cars and helped consumers and businesses shred 170 tons of personal paper documents, recycle 20,437 pounds of computer parts, 500 pounds of old cell phones and 4,415 pounds of cardboard.

BBB serving Central, Coastal, Southwest Texas and the Permian Basin is part of an expansive network of local BBBs across North America that collaborates to produce bi-annual protect your identity events. The program is a BBB-branded identity theft, fraud prevention and educational initiative.

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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Vote "no" for scammers this election season

10/15/2012

Posted on 10/15/2012 by
Vote “no” for scammers this election season

BBB warns of common election scams during the presidential race

AUSTIN, Texas - Oct. 15, 2012 — The presidential election will take place on Nov. 6. As the candidates and the public prepare for the big vote, scammers have been gearing up to steal your personal information. Better Business Bureau is warning voters to be on the lookout for scams leading up to the presidential election.

Scammers use major holidays, big events and popular news stories to make their pitches to consumers more relevant and realistic. Health care, economic recovery and unemployment are popular topics scammers will use to fraudulently mislead consumers into giving their personal information or credit card number.

Here are a few recent scams reported to BBB:

1. The political survey free cruise offer.
These public-opinion surveys typically offer a free cruise in exchange for participating in a quick telephone survey. However, at the end of the call consumers are asked for a form of payment to cover port fees and taxes. Consumers who hesitate or ask for time to consider the offer are subject to high-pressure tactics, such as being told the offer is “only good right now.”

Tip: Be wary of too-good-to-be-true offers. Legitimate polling companies will not offer prizes for participating in a telephone survey, and they will not ask for a credit card number.

2. Fundraising calls for political donations.
Consumers have reported calls from organizations asking for donations. However, these calls may not really be related to either the Obama or Romney campaigns. Avoid providing your personal information over the phone.

Tip: Research charities before donating.If you would like to contribute to a political campaign or party, search for contact information yourself rather than giving out financial information to a caller.

3. Scammers claiming to check on your eligibility to vote.
These unsolicited emails and phone calls claim to be from someone representing your local election board or civic group. They ask for your Social Security or credit card number to confirm your eligibility or registration to vote.

Tip: Do not give out your personal information. According to the FTC, voter registration drives will contact you in person or send voter registration forms. They will never ask you to provide your financial information.

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.

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Children continue to be heavily targeted by identity thieves, BBB warns

10/10/2012

Posted on 10/10/2012 by
Children continue to be heavily targeted by identity thieves, BBB warns

BBB tips to help parents protect their children from identity thieves

AUSTIN, Texas - Oct. 11, 2012 — A recent study published by Carnegie Mellon University Cylab, a cybersecurity research center, found that children were targeted by identity thieves 51 times more frequently than adults. Better Business Bureau encourages parents to regularly monitor their children’s credit report to prevent devastating damage to their future.

This CyLab study indicated identity thieves are targeting young children and using their unused Social Security numbers to steal their identity. Thieves steal Social Security numbers, attach a different name and birth date to it, and proceed to open credit cards and secure auto loans, student loans and home mortgages, among other things.

Children are an easy target because they typically do not start using their information until early adulthood, when applying for college, loans or their first credit card.

As a parent, you can better protect your child’s identity by:

· Safeguarding your child’s personal information. Keep your child’s personally identifiable information, such as his or her Social Security card, date of birth and birth certificate, in a secure spot. Share your child’s Social Security number only when you know and trust the other party.

· Monitoring your child’s credit report. As soon as you get your child’s social security card you should start monitoring his or her report. www.annualcreditreport.com allows one free credit report a year for each credit-reporting agency.

· Keeping anti-virus software updated. Some savvy thieves create viruses designed to search computers for documents containing your child’s Social Security number.

· Safely disposing of personal documents. Shred all papers that include your child’s personal information before you throw them out. Delete computer files that you no longer need, and empty your online trash or recycle bin.

Recognizing the need for consumer education and protection, BBB will hold multiple Shred Day events Oct. 20 and Oct. 27 throughout Texas. These events will offer FREE on-sight document shredding and recycling. BBB will also distribute information about identity theft prevention. Consumers can bring up to two boxes of confidential documents, old cell phones, compact disks, floppy disks and old computer parts to be shredded 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.

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

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AB Appliance Repair Fails Consumers

10/10/2012

Posted on 10/10/2012 by
AB Appliance Repair fails consumers

BBB warns about Corpus Christi appliance repair company

CORPUS CHRISTI, Texas - Oct. 10, 2012 — Better Business Bureau is again warning consumers about AB Appliance Repair in Corpus Christi, Texas, after receiving more than a dozen complaints about the company. BBB first issued a release about the appliance repair company in May 2011.

Consumers allege they paid the appliance repair company’s owner, Augustine Balboa III, for parts that were never installed or services not performed. BBB contacted Balboa about the pattern of complaints, but did not receive a response.

Balboa has not responded to BBB consumer complaints since mid-2011.

“It’s just kind of been a nightmare, the whole thing,” Gary Morton, a Corpus Christi resident, said. He hired AB Appliance Repair to fix his leaky washing machine.

He said he found the appliance repair company through a local advertisement, and did not do any research on the company before hiring Balboa. He said he did not know about the company’s poor reputation until after Balboa had his washing machine.

Morton told BBB that, after one failed attempt at repairs, Balboa took Morton’s washing machine to his office, along with Morton’s approximately $500 payment.

“It went on for about three weeks and he called me back and said I had a lemon and he would see what he could do about it,” Morton said. “And that was the last I heard about it.”

Morton said he left multiple messages with Balboa that were not returned. He eventually bought a new washing machine and filed a complaint with BBB.

“It makes you afraid to try and help small businesses out,” Morton said of his experience. “I think he’s just setting a bad name for people who are just trying to be honest.”

For those in need of appliance repairs, BBB offers the following advice:

· Start with trust. BBB’s Member Pages currently list more than 100 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 up-front fees. While a repair service may require a down-payment, avoid paying for the entire job up front. For extra protection, pay with a credit card whenever possible and make sure to get a receipt.

· 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 time frame that the guarantee lasts.

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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Counterfeit Tickets Could Cause Game Delay for Some

10/5/2012

Posted on 10/5/2012 by
Counterfeit tickets could cause game delay for some

BBB tips for safely purchasing event tickets

AUSTIN, Texas - Oct. 5, 2012 — With football season underway and Austin City Limits Music Festival and Formula 1 just around the corner, many fans are eager to get tickets to their favorite events. Better Business Bureau warns that buying a ticket from the wrong person could leave you outside the gates.

During this time of year, scams can typically pop up on online auction sites, classifieds and bulletin boards. The most common ways consumers get burned through these sites is by paying for counterfeit tickets or paying in advance for tickets that never arrive.

Consumers should also be cautious when buying tickets on event day from individuals they don't know. Many times these are cash transactions, which leaves little recourse for the consumer should the tickets turn out to be fake.

BBB offers these tips for those looking to purchase tickets:

· Do your research. When purchasing tickets through an online broker, look for the BBB seal on their website and check out their BBB Business Review. Assess the company’s policy for customer satisfaction and what happens if tickets purchased through their site are fake or not as advertised.

· Verify the tickets are real. If buying online, ask to see a picture of the tickets so you can confirm the seats match up with the venue. If your friends already have tickets, you can also compare and make sure they look the same as the ones you want to buy. Search for guidance online about how the tickets should look.

· If it sounds too good to be true it probably is. The reason tickets are expensive is because they’re hard to get and the chances of you getting lucky and finding a deal are slim. If a situation sounds too good to be true, such as someone selling tickets to a popular event for much less than offered elsewhere, it probably is.

· Pay with a credit card or PayPal account. Consumers should avoid paying by cash, check or wiring money to a seller. Often there is little or no way to get back your money if the tickets do not arrive, which is why scammers often do business this way. Using a credit card or PayPal account provides additional protection and the opportunity for potential reimbursement if the seller is uncooperative or does not follow through with sending tickets.

· Watch for hidden fees. Some websites include service charges and additional shipping fees with the purchase of tickets. While these charges should be identified on the website and disclosed to you before the transaction is finalized, read the fine print to make sure you know the total cost that will be billed to your account.

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 Short Yourself on a Short-Term Home Rental

10/3/2012

Posted on 10/3/2012 by
Don’t short yourself on a short-term home rental

BBB offers tips to homeowners looking to offer their home as a short-term rental

AUSTIN, Texas - Oct. 3, 2012 — Short-term home rentals are soaring in popularity amongst homeowners and out-of-towners. As the Austin City Limits festival approaches, Formula 1 revs up and with the holidays right around the corner, many homeowners may choose to offer their home as a short-term rental. Better Business Bureau reminds homeowners to be properly prepared and protected if they choose to rent to strangers.

BBB advises homeowners interested in renting out their property to follow these tips:

1. Decide who will manage the property. If you decide to manage the property yourself, make sure you live close enough and are capable of handling any emergency issues that arise. If you don’t live close, make sure you know someone who can help take care of your property and address any issues a guest may have.

If you decide to use a management company, research the organization first at bbb.org. Get all fees involved with listing your property and booking your rental in writing. Request detailed descriptions, in writing, of all the additional services to be provided and how and when you can expect to receive payment. Also, consider whether or not the company has its own insurance policy to cover any damages caused by the tenant.

2. Write up a contract. BBB advises having an attorney go over the details of the contract. The contract should include:

a. Check in and checkout times

b. Whether smoking or pets are permitted

c. Details of any security or damage deposits, whether they are refundable and under what circumstances

d. A cancellation and rate change policy

e. The maximum occupancy and any fees associated with exceeding the limit

f. Parking restrictions

g. The renter’s contact information

3. Check state and city law. Various cities and states have their own rental and property laws. Check your city’s law on short-term rentals to make sure you’re not in violation.

4. Research renters. Get the appropriate contact information for renters and check them out. Consider a Google search or use an online screening service.

5. Check your insurance coverage. Ensure you have enough property or casualty insurance should anything go wrong. Also consider the costs of lost, stolen or damaged items and ensure your security deposit covers all the “what-ifs.”

6. Consult your rental agreement. If you rent your home or apartment, your contract could prohibit subletting. Be sure to check with your landlord or HOA about short-term visitors.

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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Avoid Misleading Customers with Energy Saving Ads

10/2/2012

Posted on 10/2/2012 by

BBB Reminds Businesses to Avoid Exaggerated Product Performance Claims

As BBB Accredited Businesses, your company commits to uphold high standards of ethical marketplace behavior, including advertising honestly. Recently, the Federal Trade Commission issued warning letters to several companies across the country regarding energy savings claims made in online advertisements. BBB encourages you to review the following FTC and BBB advertising guidelines to ensure all claims are substantiated and truthful:

Energy savings claims must be backed by scientific evidence.
Product claims of energy savings, performance, safety, results, etc. should be based on recent and competent scientific, engineering or other objective data.

Be specific about the type of savings consumers can expect.
There is a difference between total home energy savings and heating and cooling savings. Heating and cooling expenses may account for less than half of a home energy bill. Thus, a 15 percent reduction in a home’s heating and cooling costs does not mean the homeowner will save 15 percent on his or her entire energy bill. If you claim consumers will achieve a specified percentage of energy savings, you should state clearly whether you are referring to heating and cooling savings or savings on a home energy bill.

Be prepared to substantiate all claims.
The primary responsibility for truthful and non-deceptive advertising rests with the advertiser. Advertisers should be prepared to substantiate any claims or offers made before publication or broadcast.

Be careful when making “up to” claims.
A recent FTC study shows many consumers interpret claims that products will save “up to” a specified amount of energy to mean that almost all consumers are likely to get the specified savings. To avoid confusion, clearly disclose the results consumers are likely to get. For example, if you say that consumers will save “up to” a specified percentage in savings, your substantiation should prove that almost all consumers are likely to get that percentage in savings.

Be realistic when selecting home characteristics for modeling.
Many factors affect the savings homeowners achieve by using energy efficient products, including a home’s location, size, insulation and existing windows. If you use energy modeling software to determine the savings consumers will get from your products, avoid choosing characteristics that produce inflated results.

Clearly and prominently disclose any assumptions.
If your substantiation shows that consumers will get a specified amount or percentage of savings only under certain circumstances, disclose those circumstances clearly and prominently near the claim. Disclosures in small, difficult-to-read type may not be enough to clarify a savings claim.

If you have a question regarding the nature of a future advertisement, please contact BBB at info@centraltx.bbb.org. BBB’s Code of Advertising is available at www.bbb.org/us/bbb-code-of-advertising.

Thousands of Consumers File Complaints Against Towing Companies, BBB Reports

9/28/2012

Posted on 9/28/2012 by
Thousands of consumers file complaints against towing companies, BBB reports

BBB advises consumers on what to do if their car is towed

AUSTIN, Texas - Sept. 28, 2012 — In the past 12 months, Better Business Bureau has received more than 4,000 complaints nationally against towing companies. BBB advises consumers to know the laws and pay attention to where they park to avoid costly towing ordeals.

Consumers most commonly allege that their car was towed even though they were legally parked. BBB also receives complaints alleging damage to vehicles during the towing process and additional, unexpected or misleading fees added to the final bill.

Under the Texas Vehicle Towing and Booting Law, a towing company may remove and store a vehicle only if the parking facility owner:

1. requests that the towing company remove and store the vehicle; or

2. has a standing written agreement with the towing company to enforce parking restrictions in the parking facility.

Additionally, an unauthorized vehicle may only be towed if proper signage prohibiting unauthorized vehicles is conspicuously visible to the driver; is permanently mounted on a pole, post or permanent barrier; contains the days and hours of towing enforcement; and contains a contact number that is answered 24 hours a day so the owner or operator of a towed vehicle can locate his or her vehicle.

Consumers who have their vehicle towed should consider the following BBB tips:

· Contact the towing company immediately. The towing company’s contact information should be displayed on a sign in the area where you parked. Retrieve your car as quickly as possible. 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.

· Know where to turn. 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.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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Classified Sites Could be a Breeding Ground for Scams, BBB Warns

9/27/2012

Posted on 9/27/2012 by
Classified sites could be a breeding ground for scams, BBB warns

Don’t fall victim to a scam on Craigslist

AUSTIN, Texas - Sept. 26, 2012 — In the past 12 months, Better Business Bureau has received close to 200 complaints nationally from consumers who have been scammed in some way after responding to a classified on Craigslist. BBB warns consumers to be cautious when responding to a classified posted on Craigslist, especially a job or home rental posting.

Fake job postings and home rental scams are two of the most common issues reported to BBB. They typically work like this:

1. The Online Rental Scam:

After responding to an online classified for a rental property, victims say the ‘landlord’ asks them to wire the deposit and first month’s rent in order to receive the keys to the rental home. When the victim asks to view the property in-person, the ‘landlord’ often claims to be out of the country and unable to show the house. Typically, scammers use pictures of homes taken from real estate websites in the fake postings.

2. The Fake Job Posting Scam:
The goal of this type of scam is to steal money or personal information from job seekers. Scammers usually target those looking to work from home, looking for a second job or looking for part-time employment. There are two common versions of the job scam:

1. The scam artist claims that all paychecks and reimbursements must be made via direct deposit. Therefore, the consumer must provide all of his or her personal information, including Social Security numbers and bank routing numbers.

2. The scammer sends the victim a check to cover job materials or expenses and directs the victim to deposit the money into his or her personal bank account. The scammer will instruct the victim to deposit a portion of the funds to cover his or her salary and then send the remaining funds on to another designated account. The check is usually fake, but the victim’s bank may take some time to discover the fraud. The victim is then liable for the total amount of the original check and may be prosecuted for check fraud.

The following red flags indicate you might be dealing with someone using Craigslist to defraud people:

- The employer/landlord is from another country.
- The employer/landlord will not meet with you and will only communicate electronically.
- The employer/landlord overpays and asks you to wire the extra funds back to him/her.

BBB offers these safety tips when using classified sites:

- Never wire money.
- Consider using an escrow service. Escrow services add additional protection. Make sure to check out the company’s BBB Business Review first at www.bbb.org.
- Never give out your Social Security number, personal financial information or any other type of personally identifying information to people you do not know.
- Be cautious of jobs that require any kind of up-front payment.
- Apartment or home rentals should be thoroughly checked out and inspected in person before putting down any money.

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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¿Qué hacer cuando una agencia de cobranzas está llamando

9/24/2012

Posted on 9/24/2012 by
¿Qué hacer cuando una agencia de cobranzas está llamando

BBB recuerda a los consumidores acerca de sus derechos bajo el Fair Debt Collection Practices Act

AUSTIN, Texas - 24 de Septiembre 2012 — Si usted usa tarjetas de crédito, debe dinero por un préstamo personal o está pagando en una hipoteca de casa. Usted está considerado estar "en deuda." Si usted se cae detrás en un pago a sus acreedores, puede ser contactado por un cobrador de deudas. El Better Business Bureau ha recibido 50 quejas solo en el mes pasado contra las agencias de cobro y quisiera recordar a los consumidores sobre sus derechos.

Quejas de los consumidores alegan los cobradores de deudas utilizan amenazas para obligar a los consumidores a pagar la deuda presunta, algunos no han aportado pruebas suficientes de la deuda cuando se solicito y fueron hostigados continuamente aunque después de pedir que paren o se les dice que el cobrador de que la información era incorrecta.

Bajo de las prácticas del Fair Debt Collection Act coleccionistas de deuda están obligados a tratar a los consumidores de manera justa y están prohibidos a usar ciertos métodos de cobro de deudas. Por ejemplo, los cobradores están prohibidos a usar acoso con los consumidores o el uso de declaraciones falsas o engañosas. Los cobradores no pueden declarar que un consumidor va ser arrestados por falta de pago, que su propiedad o salarios serán confiscados, o que son abogados o representantes de una agencia gubernamental.

Además, los cobradores de deudas:

• pueden comunicarse con usted en persona, por correo, teléfono o fax. Sin embargo, un cobrador de deudas no puede contactarlo antes de las 8 am o después de las 9pm.

• se deben dejar de ponerse en contacto con usted si les escribe una carta al cobrador diciéndole que dejen de llamarlo.

• se debe enviar un aviso por escrito informándole la cantidad del dinero que se debe, el nombre de la agencia de cobranzas a quien usted le debe dinero y qué medidas podría tomar si usted cree que no debe el dinero, todo se debe hacer dentro de cinco días del contacto inicial.

• no pueden comunicarse con usted si envío a la agencia de cobranzas una carta declarando que usted no debe el dinero dentro de 30 días después que recibió la notificación por escrito de la agencia.

Si recibe una llamada de un cobrador de deudas, BBB le aconseja que sigue estos pasos:

• Solicite una prueba escrita. Por ley, una agencia debe enviar un aviso de validación dentro de los cinco días siguientes del contacto inicial relativa a la deuda. No envíe información personal o financiero a menos que haya verificado la deuda y la agencia de cobranza que sostiene su deuda.

• Investigue el colector y la agencia. Obtenga el nombre e información del contacto del obrador de deudas. Compruebe la Revisión de la empresa en www.bbb.org y verifique que el representante que llama está afiliado con la agencia.

• No descuide ningún error. Si usted no tiene deudas pendientes en su nombre, póngase en contacto con cualquiera de las partes involucradas para resolver errores en su informe de crédito. Escriba una carta detallada, e incluir documentos de apoyo para probar su caso.

• Verifique que el robo de identidad. Si una agencia de colección se pone en contacto con usted en relación de facturas o deudas incorrectas, eso podría ser un indicador de robo de identidad. Usted puede revisar su reporte de crédito gratis una vez al año en www.annualcreditreport.com.

• Sepa a dónde acudir. Reporte cualquier problema con los cobradores de deudas a su Better Business Bureau, el Abogado General de Texas o la Comisión Federal de Comercio.

Para verificar la confiabilidad de una empresa y encontrar empresas de confianza, visite 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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What to do When a Collection Agency Starts Calling

9/24/2012

Posted on 9/24/2012 by
What to do when a collection agency starts calling

BBB reminds consumers of their rights under the Fair Debt Collection Practices Act

AUSTIN, Texas - Sept. 24, 2012 — If you use credit cards or owe money on loan, you are considered to be “in debt.” If you fall behind on a payment to your creditors, you may be contacted by a debt collector. Your Better Business Bureau has received close to 50 complaints in the past month against collection agencies and is reminding consumers about their rights.

Consumer complaints allege debt collectors used threats to force consumers into paying their alleged debt, did not provide adequate proof of the debt when requested and continuously harassed consumers after they were asked not to or told the debt was incorrect.

Under the Fair Debt Collection Practices Act debt collectors are required to treat consumers fairly and are prohibited from certain methods of debt collection. For example, debt collectors are prohibited from harassing consumers or using false or misleading statements. Collectors may not state that a consumer will be arrested for failing to pay, that their property or wages will be seized, or that they are attorneys or government representatives.

Additionally under the Fair Debt Collection Practices Act, debt collectors:

· may only contact you in person, by mail, telephone or fax. However, a debt collector may not contact you before 8 a.m. or after 9 p.m.

· must stop contacting you if you write a letter to the collector telling the company to stop.

· must send you a written notice telling you the amount of money you owe, the name of the creditor to whom you owe the money and what action to take if you believe you do not owe the money, within five days of initial contact.

· may not contact you if you send the collection agency a letter stating you do not owe the money within 30 days after you receive the written notice.

If you receive a call from a debt collector, BBB advises you to follow these steps:

· Request written proof. By law, an agency should send a validation notice within five days of initially contacting you about the debt. Do not provide personal or financial information unless the validity of the debt and the debt collector has been confirmed.

· Research the collector and/or agency. Get the debt collector's name and contact information. Check the company's BBB Business Review on bbb.org, and verify that the representative who called is affiliated with the agency.

· Don’t ignore errors. If you have no outstanding debts in your name, contact any involved parties to clear up inaccuracies on your credit report. Write a detailed letter and include supporting documents to prove your case.

· Check for identity theft. If contacted by a collection agency regarding erroneous bills or debts, it could be an indication of identity theft. You can review your credit report for free once a year at annualcreditreport.com.

· Know where to turn. Report any problems with debt collectors to your Better Business Bureau, the Texas Attorney General or the Federal Trade Commission.

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 Asks: When Seconds Count, Are You Prepared?

9/17/2012

Posted on 9/17/2012 by
BBB asks: when seconds count, are you prepared?

Following simple steps can help minimize the impact of a disaster

AUSTIN, Texas - Sept. 17, 2012 — September is National Preparedness Month; a full month dedicated to educating the public about how to prepare for emergencies, including natural disasters. Better Business Bureau supports this effort and urges families to devise their own emergency preparedness plan.

The anniversaries of the events of 9/11 and the disastrous Texas wildfires of 2011, remind us that life-changing events can be sudden and unexpected. Knowing what to do before, during and after an emergency is a critical part of being prepared.

There are two things every family should do to prepare for any kind of disaster:

1. Make a plan. Discuss with family and friends how you’ll contact each other, where you’ll meet and what you’ll do for different situations.

2. Prepare an emergency kit. If disaster strikes your community, you might not have access to food, water or electricity. Your emergency kit should include such items as:

a. Water – a gallon of water per person per day for at least three days

b. Nonperishable food at least a three-day supply for each family member

c. Flashlights with extra batteries

d. First-aid kit

e. A whistle to signal for help

f. Tools, such as a wrench or pliers

g. Power inverter or solar charger for electronics such as your cell phone.

Families may also want to consider including such items as prescription medications, infant formula and diapers, pet food and cash.

Other things to keep in mind:

· Catalogue your valuables. Take pictures of your valuables. This can help the insurance company assess the dollar amount for your losses.

· Protect important documents. Place copies of important family documents such as birth certificates, passports, insurance policies and photos in a waterproof, portable container near your escape route.

· Start with trust. Whether shopping for insurance before a disaster strikes or looking for a company to clean damaged areas, remove debris and rebuild, check the company’s BBB Business Review at bbb.org.

· Know where to turn. FEMA, the Texas Division of Emergency Management and the Centers for Disease Control and Prevention have many resources available to help families prepare for what to do before, during and after disasters happen.

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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SCAM ALERT: Consumers Receive Fake Texts & Calls Appearing to be from a Bank

9/14/2012

Posted on 9/14/2012 by
SCAM ALERT: Consumers receive fake texts & calls appearing to be from a bank

Consumers prompted to provide personal information

AUSTIN, Texas - Sept. 14, 2012 — The names of prominent banks, such as Bank of America and Wells Fargo, are fraudulently being used in an attempt to steal consumers personal information. Better Business Bureau reminds consumers to never provide personal information to anyone you do not know.

Consumers are receiving both text messages and phone calls that appear to be from a bank. These texts and phone calls lead consumers to believe there is an issue with their bank account or bank card and immediate action is required.

When called by these scammers, consumers are asked to provide their personal information, such as their Social Security number and bank account information, to “confirm” they are the authorized account holder.

Text messages consumers are receiving provide a number for consumers to call, or a web link. When victims call the number, an automated message claims their debit card has been “limited due to internal security error.” It goes on to instruct the consumer to press ‘1’ to avoid debit card suspension. Consumers who do so are directed to enter their 16-digit debit card number.

If you receive a text or call such as these, BBB advises you to:

· Do not give out your personal information.
· If you believe there is an issue with your bank, call them directly.
· Do not respond to the text or click on any links provided.
· Contact your phone provider to block any suspicious numbers the texts or calls are originating from.
· If you have already fallen victim to this scam, contact your financial institution immediately.

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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Puppy Love Can Quickly Turn to Heartbreak

9/12/2012

Posted on 9/12/2012 by

Puppy love can quickly turn to heartbreak

In light of new Texas law, BBB reminds consumers to research breeders thoroughly

AUSTIN, Texas - Sept. 12, 2012 - As of Sept. 1, certain dog and cat breeders in Texas are required to submit to state inspections and obtain a license, thanks to a new state law. In light of the new regulations, Better Business Bureau is advising consumers to thoroughly research dog breeders and brokers before purchasing a puppy.

Since Jan. 1, BBB received almost 300 complaints against dog breeders nationally. Complaints ranged from health issues to problems with paperwork regarding pure bred puppies.

These types of complaints led the Texas State Legislature to pass the Commercial Dog and Cat Breeders Act, signed by Gov. Rick Perry in June 2011. The act requires breeders who maintain 11 or more female breeding animals and sell 20 or more animals per year to obtain a license from the Texas Department of Licensing and Regulation and to submit to state inspections once every 18 months.

The state representatives who proposed the bill said the new regulations are meant to curb abusive practices among animal breeders and eliminate puppy mills. However, BBB still recommends consumers personally inspect the breeding and living areas of any puppy they purchase, ask the breeder questions and meet the puppy’s parents before taking a puppy home. This advice applies to puppies found online and through other sources.

Austin resident Sheila Johnson only had her puppy a few weeks when she first noticed the dog’s head jerking to the side. Coco had been in and out of the vet’s office since Johnson brought her home, needing treatment for intestinal parasites and pneumonia. The new symptoms were caused by seizures and the vet said Coco would need to see a neurologist.

“So I go in with Coco there (the neurologist’s office), and the vet takes the X-rays and everything. And when she walks in, I could tell from the look on her face that it was not good,” Johnson said, her voice cracking with tears as she recounted the story. “She said, ‘Your dog has distemper. You can either take her to your vet or we can put her down now.’”

Johnson chose what she considered to be the more humane option and had Coco euthanized immediately. Then, she contacted the breeder she had bought Coco from. She had paid for a one-year health guarantee, but really, she wanted to warn the breeder that some of his other puppies might be sick as well.

“And he wouldn’t return my calls. I bet I left at least 10 messages on his voicemail, at least,” she said. “Every time something new would come up, I would call to let him know because I thought he was an honest person and had no idea this was going on.”

Looking back, Johnson said she should have noticed the red flags. When she first visited the breeder, she was told Coco’s parents belonged to a family member and were not on the premises. She never saw where Coco was born and raised.

BBB reminds consumers to be especially wary of purchasing puppies online. In May, the United States Department of Agriculture proposed a new rule to regulate breeders who sell puppies online. However, that rule has yet to go into effect. Until it does, those breeders are not required to obtain a license or submit to USDA inspections.

Animal rights groups say this loophole allows unscrupulous breeders to flourish by selling animals directly to consumers on the Internet.

San Antonio resident Tina Barta became an animal rights advocate after she purchased a sick puppy from a puppy broker who advertised online.

She said the man she dealt with purchased puppies from possible puppy mills and then displayed them for customers in a more palatable environment.

“It looked like these dogs were taken care of, very well taken care of,” Barta said of her experience. “He had pictures of cute dogs with bows in their hair, playing around.

“I went to his house, and he goes by appointments only,” she continued. “He actually had them in fences in his backyard. … It looked like he had a nice house. I wasn’t able to see where they lived, how they lived.”

She said the man told her that he had a community of breeders and he simply helped them sell their puppies. She said he provided a puppy warranty that would reimburse vet bills should the puppy get sick, but only if the new owner took the puppy to a licensed vet within 72 hours of purchase.

When her Maltese puppy came down with kennel cough, a yeast infection and ear mites, she said she discovered that the contract only covered up to $1,000 of care, and that owners had to prove the puppy contracted the disease before it was purchased.

The experience pushed her to do more research on the broker. She found that he had a reputation of selling sick puppies and then moving and changing his business name when complaints started to pile up.

“He’s making a killing,” she said. “The more I dig, the deeper this well gets.”

She echoed BBB’s advice that people should research those they are buying puppies from.

“Consumers really need to do the research on these puppy brokers,” she said. “I want to shut this kind of animal cruelty down. … It’s just crazy how this has gone under the radar for so long.”

For those looking to add a furry friend to their family, BBB offers the following advice:

Consider adoption. Local animal shelters have hundreds of dogs and cats in need of a loving home. If you’re set on getting a pure bred, look for animal rescue groups in your area that specialize in that breed.

Check with BBB. If you choose to go through a breeder, check his or her BBB Business Review.

Ask to see the parents. Before bringing a puppy home, ask to see his or her parents and the living area where he or she was born and raised. Honest breeders will be happy to show you around. If the seller refuses or makes excuses, walk away.

Ask for references. Ask the breeder for contact information of people who have bought puppies in the past. Try to talk to people who have had their dog a while in order to check for issues that may not be immediately apparent, like genetic problems.

Avoid buying online. Unless you can visit the breeding facility before the purchase and bring your puppy home personally, do not purchase a puppy from a website. When you have a puppy shipped from another area, you don’t know how that puppy has been treated, how healthy or young it is, or whether or not the puppy exists at all.

Read contracts thoroughly. If the seller offers a health guarantee, make sure it is in writing and read it carefully for limits and proof requirements. Guarantees should cover more than a few weeks or days, since it can take weeks for symptoms to appear in illnesses like parvo and distemper. Genetic issues might not become apparent for years.

Ask for medical records. Get a written account of all medical care your puppy has received, including vaccinations and antibiotics. Take this record to your vet during the first examination.

See a veterinarian immediately. Within a few days of bringing your puppy home, schedule a complete physical with your vet to make sure it is in good health.

Keep your puppy quarantined. If you already have pets, keep them separated from your new puppy until it is given a clean bill of health.

To check a company’s BBB Business Review, 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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Celebrities Could Give You a Virus, BBB Warns

9/11/2012

Posted on 9/11/2012 by
Celebrities could give you a virus, BBB warns

Searching for your favorite celeb on the web could give you malware

AUSTIN, Texas - Sept. 11, 2012 — Celebrities are all the rage these days. And while searching for your favorite celeb on the Internet may be your favorite pastime, it could also give you a virus-ridden computer. McAfee revealed its “MacAfee Most Dangerous Celebrities” study Monday morning, announcing the top 10 most dangerous celebrities to search for on the Internet.

Cybercriminals tend to attach themselves to the latest trends. These criminals use the names of popular celebrities to lure victims to visit sites or to click on photos that are ridden with malicious software. This software is designed to steal your personal information, such as passwords, banking information and any other personally identifying information.

Ranked in order, here are the top ten most dangerous celebrities, according to McAfee:

1. Emma Watson

2. Jessica Biel

3. Eva Mendes

4. Selena Gomez

5. Halle Barry

6. Megan Fox

7. Shakira

8. Cameron Diaz

9. Salma Hayek

10. Sofia Vergara

BBB advises consumers to follow these tips to protect their computer from malware:

· Research before you click. Before clicking on an unknown popup, take the time to research the company on your own to assure it’s a reputable company or website.

· Don’t believe the message. To persuade you to launch a virus-laden link or provide your personal information, virus authors must earn your trust. They try to accomplish this by composing convincing-looking messages that entice consumers to click the advertisement.

· Protect your personal information. Don’t provide your personal information or credit card information to an unknown company or website. If you’re thinking of purchasing something from a website, there are various icons and software programs that indicate that security software is in place, such as “https” instead of “http” or a padlock icon will show at the bottom of the screen.

· Protect your computer. Installing updates to your operating system can be done for free by enabling the option on your computer’s security center. Keep all anti-virus software up to date and make sure all security patches and updates are installed for programs that access the Internet.

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.

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

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Don’t Let a Bad Tutor Waste Your Child’s Time or Your Money, BBB Advises

9/7/2012

Posted on 9/7/2012 by
Don’t let a bad tutor waste your child’s time or your money, BBB advises

BBB advice for finding a tutor

AUSTIN, Texas - Sept. 7, 2012 — The school year is back in full swing, and whether your child is preparing for the SAT or just needs a hand with math or science, a tutoring service can be a valuable tool. To make sure you get the most out of your money, Better Business Bureau has some tips for finding the right service for your child’s needs.

Nationally, BBB received close to 300 complaints against tutoring services in the last 12 months. Most allege parents were dissatisfied with the services offered. They felt their children did not improve with the tutoring program. Other consumers alleged tutoring services continued to bill them after they ended the program.

There are many different types of tutoring services available:

1) A private tutor can offer the most tailored approach for helping your child learn. However, this option is usually the most expensive, costing anywhere from $30 to $70 an hour.

2) A commercial learning center can provide a customized learning environment for your child. This service typically costs around $150 per week, which can be paid weekly or monthly.

3) Online tutoring services typically cost anywhere from $35 to $130 monthly.

Also remember that qualifying families with limited income can receive free tutoring sessions.

If you’re looking for a tutor, BBB recommends you follow these simple steps:

· Do your research. For information on tutoring services or commercial learning centers, view the company’s complaint history, rating and more on its BBB Business Review.

· Get referrals. Ask for referrals from your child’s teacher. Other parents and friends can be a great resource as well.

· Look for credentials. Check the tutor’s credentials and make sure he or she is qualified in the right subject area for your child’s needs.

· Schedule a meeting. Meet with the tutor and discuss measurable, specific goals. While a tutoring program can’t necessarily guarantee higher test scores, a tutor can help identify problem areas and address any specific subjects where your child needs help.

· Play a role. If you use a personal tutor, feel free to occasionally sit in on a session and observe how the tutor and your child are working together. Ask the tutor for advice on what you can do as a parent to help your child learn more effectively.

· Read the terms and conditions. While you might not have to sign a contract, be sure you understand details about your payment plan. Make sure you understand whether your credit card will be automatically charged each week/month, and what happens if you decide to stop going. Also, be sure to ask and understand what happens if your child is unhappy or you’re not seeing the results you expected. Do you receive a refund/credit? Get everything in writing.

· Check with U.S. Department of Education. Some families may qualify for low cost or free tutoring.

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.

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

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BBB Issues Warning About Art Heist, Hollywood Framed

9/5/2012

Posted on 9/5/2012 by
BBB issues warning about Art Heist, Hollywood Framed

Consumers allege Leander-based websites take money, don’t deliver

AUSTIN, Texas - Sept. 5, 2012 — Better Business Bureau has received numerous complaints from across the country about two websites based in Leander, Texas — art-heist.com and hollywoodframed.com.

Consumers allege they ordered art and frames from Hollywood Framed and Art Heist, but either never received their orders, received the wrong order or received a product far inferior to the one advertised online. Many alleged the company did not respond to their calls or emails pertaining to delivery of the product ordered or refunds.

According to Williamson County records, the two websites are registered to George Prichard of Cedar Park, and share a physical address — 1309 Leander Dr., suite 103, in Leander. A BBB investigator visited the address and found a warehouse unit with no identification and no employees present to determine ownership.

One consumer, a San Antonio resident who asked to remain anonymous, said she ordered a print from Art Heist because it had a good price and included the frame. She said she spent $161 to have the framed picture mailed to her.

“I immediately emailed and asked for a tracking confirmation,” she said. “And he responded very kindly, saying, ‘I’ll send it to you real soon,’ and he was apologetic for his delayed response. And so I just gave it time.”

After not hearing from Prichard for almost a week, the consumer said she sent another email. She sent a third email a week after that, and again in another week. He did not respond to any of those messages, she told BBB.

“I was giving it about a week in between, giving him ample time to check his email and work on the situation,” the consumer said. “I was trying to be fair and not jump to conclusions.”

She said she tried to call phone numbers she found online. They did not work.

Frustrated, she said she sent him a final email, telling him that he should be ashamed of himself for taking her money.

“He responded that my bank should be ashamed, that they were the ones with the money. He said all I had to do was file a dispute with my bank,” she said. “I was just shocked that he would call my bank a thief when he was the thief.”

More than two dozen other consumers have turned to BBB with similar stories about both Art Heist and Hollywood Framed. Prichard has not responded to BBB about most of the complaints.

In addition, BBB tried to contact the company about the pattern of complaints and concerns about claims made on art-heist.com. BBB sent letters via email, to the address listed on his website and the address provided to the Williamson County Clerk. Prichard did not respond to any of those letters.

The San Antonio consumer said her experience was simply depressing.

“I find it sad that somebody who obviously has intelligence is using it in such a negative way,” she said. “He’s obviously got some intelligence if he’s able to do this. It’s just very unfortunate.”

When buying art or any other merchandise online, BBB offers the following advice:

· Do your research. Find an Accredited Business using BBB’s Member Pages, and check out the company’s BBB Business Review before purchasing anything from a website.

· Confirm contact information is valid. Look on the site for a street address and phone number, and verify whether those are valid. Be wary if the seller’s only contact information is a post office box.

· 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.

· Review refund and shipping policies. If you can’t find the terms and conditions, ask the seller through an email or telephone call to provide them to you in writing.

· Keep documentation of your order. After completing the online order process, a shopper should be provided with a confirmation receipt. BBB recommends printing a copy of the confirmation and any indication of the expected delivery timeframe for future reference.

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.

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

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Temporary Employees vs. Independent Contractors

9/4/2012

Posted on 9/4/2012 by

How to choose the right one for the job

Whether your business is trying to cut costs, or just desperately seeking someone with a specific skill, hiring a temp employee or independent contractor could solve the problem. However, it is important to take your time in the hiring process to ensure you don’t waste resources on a short-term employee who doesn’t live up to your expectations.

Before deciding if your company could benefit from short-term help, take the time to lay out the specifics of the problem you face, the exact objectives you want to accomplish and a time frame for doing so. Consider whether your staffing problem could be more easily handled by a short-term employee, or if it’s an issue that could benefit from having a more permanent staff member.

If short-term help would be the best fit for your business, you then need to decide what kind of help. If your company only needs assistance with small, specialized projects from time to time, for instance, with facility maintenance and repairs, an independent contractor may be the right fit. However, if you believe an additional employee is necessary for a few months—for instance, office data entry—finding a temp employee through an employment agency may be the better route.

If you find your business is in need of short-term help, consider a few simple tips to find the individual who’s right for your needs.

Ask around for referrals
Your business network is a great place to start looking for short-term help. Ask people you trust for referrals to qualified employment agencies or independent contractors. If you are not sure where to begin, visit bbb.org to find a list of BBB Accredited Businesses that can help with your staffing needs.

Schedule an interview with the best prospects
Discuss the tasks you would need the short-term employee to complete, your company’s working conditions and your management style. This will allow you the opportunity to verify the person has experience with the specific problem, will get it done right and will be able have the right personality to fit with the other staff members.

Make sure independent contractors sign a contract
Draft a contract that details the type of work they will perform, how often they should expect to work and who is authorized to assign them additional tasks. Make sure terms for compensation are clearly defined. Independent contractors can charge a fixed fee, an hourly rate or a monthly retainer. Hourly rates could raise your costs substantially, so make sure you have a budget for how much you are willing to spend on the contractor and stick to it.

Keep detailed records
If you fill a position through an employment agency, make sure you have all the responsibilities the agency will cover in writing. For each independent contractor you hire, create a file that contains his or her contract, invoices, copies of 1099 forms and any other information that shows the worker is operating an independent business. This is important to establish that the individual is not working as an employee and that you are not required to deduct payroll taxes, pay a portion of his or her Social Security, etc. This is especially important if an independent contractor ever works on-site at your office.

For more business tips, go to bbb.org and click on ‘For Businesses.’

Growing Your Small Business

9/4/2012

Posted on 9/4/2012 by

Turning warm leads into hot prospects

No matter what type of business you have, two things are a necessity; a happy, loyal customer base and a steady stream of new prospects. The Direct Selling Education Foundation (DSEF) offers some great suggestions in its free e-book, “Business Owners’ Road Map to Success.”

Although DSEF focuses on companies that offer direct selling opportunities for consultants, the information in its e-book is relevant to just about any small business. Here are DSEF’s tips for turning warm leads into hot prospects:

• Create a ‘warm market list’ of everyone who might be interested in the products or services you are selling.

• Narrow it down to a ‘most likely’ list of those who could purchase from you immediately.

• Invite your ‘most likely’ list to a small party, barbecue, open house, etc. Don’t try to sell them anything, just make it about introducing your business to them. Ask if you can set a follow-up appointment.

• Make the follow-up appointments and keep narrowing down your list to the most supportive and interested potential customers. These are the people who not only will be most likely to buy from you, but could also refer new business to you.

• Offer excellent customer service consistently, especially to your loyal and repeat customers.

• Use social media to connect with people on your ‘warm market list’ and to continue to build relationships. Also use social media to offer solutions, tips and useful information related to your products or services. Think of your social media networks as a subtle way to introduce new products and services, not as e-commerce.

• Meet prospects for coffee or breakfast to discuss your business.

• Keep your appointments social, friendly and pressure-free. Ask questions and show them how your products or services can help meet their needs or solve their problems. Even if they are not interested for themselves, they may refer other potential customers to you.

• Always have your appointment book handy so you can book follow-ups whenever you meet a potential customer, even at social and family gatherings.

• Don’t leave requests for information open-ended; get contact information and follow up promptly.

• Get involved in organizations that are important to your ‘warm market list.’

• Keep track of everyone you meet and follow up with those contacts in the future. You will encounter no’s along the way, but stay positive and keep connecting, networking and making appointments.

For more tips from DSEF, download the free e-book at www.dsef.org. And for other business-related tips, follow us on Twitter under CentralTexasBBB or our BBB Facebook page at www.facebook.com/YourBBB.

Bastrop General Contractors See Significant Activity Since Bastrop Fires, BBB Reports

8/31/2012

Posted on 8/31/2012 by
Bastrop general contractors see significant activity since Bastrop fires, BBB reports

BBB helps Bastrop residents

AUSTIN, Texas - Aug. 31, 2012 — Better Business Bureau gave out 677 Business Reviews over the past 12 months to consumers looking for general contractors in Bastrop. That’s nearly 10 times the number recorded the previous year, before wildfires swept through a large portion of Bastrop County.

Nearly 1,700 homes were destroyed over the Labor Day weekend in Bastrop County last year. Since then, residents have been searching for a way to rebuild their homes and lives. According to BBB records, searches for general contractors in the entire Central Texas region were up, but are significantly higher in Bastrop and Smithville.

Between Sept. 1, 2011 and Aug. 24, 2012, searches for Bastrop general contractors increased 881 percent compared to the same time period the previous year. In Smithville, searches increased 270 percent; Lockhart increased by 138 percent; Elgin and Manor increased by 92 percent; San Marcos increased by 87 percent; and Austin increased by 34 percent.

BBB reminds those looking for general contractors, to:

· Use BBB to find Accredited 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, check its BBB Business Review at bbb.org.

· 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 and helps consumers get quotes from Accredited Businesses 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.

· Beware of large 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.

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 Advises Donors to Give Wisely to Hurricane Isaac Relief Efforts

8/29/2012

Posted on 8/29/2012 by
BBB advises donors to give wisely to Hurricane Isaac relief efforts

Ask questions and do your research before giving to a charity

AUSTIN, Texas — Hurricane Isaac made its second landfall early Wednesday morning, continuing to thrash Louisiana with harsh winds, rain and flooding. While Isaac continues its destructive path, charities may soon begin soliciting for donations to support the relief efforts. With many options available for donors to consider, Better Business Bureau offer tips for donors looking to assist in the relief efforts.

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 donation, BBB recommends the following:

· Research the organization. Check BBB’s Wise Giving Alliance 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 make sure you’re satisfied with the programs and how the money is distributed. 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.

· Be cautious of online or text message solicitations. Online giving can be very convenient, but avoid donating in response to unexpected text messages or emails that claim to link to a relief organization. Scam organizations with official looking names can be created overnight. If you want to give to a charity involved in the relief efforts, go directly to that charity’s website.

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.

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Pest Control Services May Help Minimize Mosquitoes on Your Property, BBB Reports

8/24/2012

Posted on 8/24/2012 by
Pest control services may help minimize mosquitoes on your property, BBB reports

Consumer tips on hiring a pest control company for mosquito prevention

AUSTIN, Texas - Aug. 24, 2012 — According to the Centers for Disease Control, approximately 75 percent of the West Nile cases reported this year have come from five states: Texas, Mississippi, Louisiana, South Dakota and Oklahoma. Almost half of the cases have been reported in Texas. While there are many do-it-yourself steps consumers can take to protect themselves, there is also the option to hire a professional pest control service.

The main method of transmission for the West Nile virus is through the bite of an infected mosquito. But there are many things consumers can do protect themselves. The Environmental Protection Agency suggests the following:

· Remove any standing water, including water that may be left over in rain gutters, old tires, buckets, plastic covers, toys, bird baths, fountains, wading pools, rain barrels and potted plant trays.
· Replace outdoor lights with yellow ‘bug’ lights which tend to attract fewer mosquitoes than ordinary lights. The yellow lights are NOT repellents, however.
· Make sure window and door screens are ‘bug tight.’
· Use EPA-registered mosquito repellents when necessary.
· Stay inside during the evening, when mosquitoes are most active.

Consumers may also hire a pest control service to help reduce the number of mosquitoes on their property. Pest control services can provide different methods of elimination, such as misting systems or pesticide sprays.

If you’re considering hiring a pest control service, BBB suggests the following:

· Research the company and compare prices. 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. Solicit bids from at least three different pest control companies before making a decision.

· Ask for an inspection. According to many experts in the industry, the first step in reducing mosquitoes is to find the source. A pest control company cannot put together an appropriate plan of action without identifying the source of the problem.

· Ask about the warranty. Some companies will provide re-treatment warranty, meaning if the mosquitoes come back and the problem worsens, they will come back out and re-spray at no additional cost. Make sure you get any warranty in writing.

· Be cautious of guarantees. While pest control companies can help minimize the number of mosquitoes, completely eliminating the pests may not possible. Be cautious of any company that makes guarantees claiming it can eliminate 100 percent of mosquitoes. This is a red flag.

· Ask about safety and risks. Because pesticides and pest control strategies could 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 it selects for your home.

· Read the fine print. Carefully review any contract before you sign. If you’ve decided on a monthly treatment plan, make sure that schedule is included in your contract. Pay close attention to termination policies and fees should you decide to stop treatment.

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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Pest Control Services May Help Minimize Mosquitoes on Your Property, BBB Reports

8/24/2012

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

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Los estudiantes universitarios se encuentran en un riesgo más alto de ser víctima de robo de identidad

8/21/2012

Posted on 8/21/2012 by
Los estudiantes universitarios se encuentran en un riesgo más alto de ser víctima de robo de identidad

BBB ofrece pasos para los estudiantes universitarios para proteger su identidad

AUSTIN, Texas - 21 de Agosto 2012 — El Better Business Bureau (BBB) advierte que los adultos de edad universitaria son particularmente vulnerables al robo de identidad y los delitos relacionados con fraude. De acuerdo con la oficina de Centinela del Consumidor, 56,689 consumidores entre las edades de 20 y 29 fueron víctimas de robo de identidad en 2011. Este número cubre 23 por ciento del número total de denuncias relacionadas al robo de identidad registrado el año pasado, este es el mayor incremento de cualquier rango de edad de 10 años.

Los estudiantes universitarios tienen muchas responsabilidades para manejar cuando se trata a la escuela, el trabajo y su vida social, y luego muchas veces no son tan cuidadosos con su información personal. Con frecuencia, estos estudiantes comparten la vivienda con otras personas y no tienen las medidas de seguridad adecuadas en su lugar.

Los estudiantes universitarios son especialmente susceptibles al fraude por un amigo - el fraude perpetrado por personas conocidas de la víctima, como un familiar o un compañero de cuarto. Este tipo de robo de identidad se produce normalmente cuando un compañero de cuarto roba la información de tarjetas de crédito o cuentas de tarjetas de crédito y las ofertas están negligentemente desechadas.

BBB ofrece los siguientes pasos para que los estudiantes universitarios puede adecuadamente cuidar y proteger su identidad:

1) Asegure su correo. Buzones universitarios son relativamente fácil para acceder en un dormitorio o apartamento. Dirige su correo a una dirección permanente, como el hogar de sus padres o invertir en una casilla de correo seguro.

2) Los documentos importantes se deben segura. Esto incluye su tarjeta de seguro social, tarjeta de crédito, pasaporte y los extractos de cuenta. Destruya todos los documentos que ya no son necesarios y contienen información financiera sensible.

3) Nunca permita que cualquier amigo utilicé su tarjeta de crédito o débito. Si usted siente la necesidad de pagar por la comida de un amigo o de un tanque de gas y vete con ellos en el lugar. Evite firmar un préstamo o un acuerdo de financiación. Si tu amigo no hace los pagos, usted será responsable.

4) Revise su crédito y cuentas de tarjetas de débito con frecuencia. Busque cualquier actividad sospechosa. Identifique actividad sospechosa rápidamente así cualquier cargo fraudulento puede ser devuelto inmediato.

5) Revise su informe de crédito por lo menos una vez al año. Experian, Equifax y TransUnion ofrece un informe de crédito gratis cada doce meses. Visite http://www.annualcreditreport.com para solicitar un informe y buscar cualquier actividad sospechosa o mal información de cuenta.

6) Considere obtener servicios de protección para el robo de identidad. Si usted no puede comprobar con frecuencia sus cuentas y información, inscribirse en un servicio de protección de robo de identidad. Estos servicios ayudan a controlar el crédito y los registros públicos de actividades sospechosas y le alertará si se encuentra algo. Ciertos servicios también ofrecen ayuda adicional de recuperación y resolución en caso de que sella víctima en el robo de identidad.

Para verificar la confiabilidad de una empresa y encontrar empresas de confianza, visite 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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College-Age Adults at Higher Risk of Falling Victim to Identity Theft

8/21/2012

Posted on 8/21/2012 by
College-age adults at higher risk of falling victim to identity theft

BBB offers steps college students should take to protect their identity

AUSTIN, Texas - Aug. 21, 2012 — Better Business Bureau warns that college-age adults are particularly vulnerable to identity theft and related fraudulent crimes. According to the Consumer Sentinel Network database, 56,689 consumers between the ages of 20 and 29 fell victim to identity theft in 2011. That number accounts for 23 percent of the total number of identity theft complaints reported last year; the largest out of any 10-year age range.

College-age adults have many responsibilities to manage when it comes to school, work and their social lives, and tend to not be as careful with their personal information. Often times, college age students share housing with others and do not have the appropriate security measures in place, such as identity theft protection services.

Young adults are especially susceptible to friendly fraud — fraud perpetrated by people known to the victim, such as a relative or roommate. This type of identity theft typically occurs when a roommate steals credit card information or credit card statements and offers are negligently thrown away.

BBB offers these simple steps college students can take to protect their 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.

· Important documents should be securely stored and disposed of. 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.

· 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.

· 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.

· Consider identity theft protection services. If you are unable to routinely monitor your accounts and information, consider enrolling in identity theft protection services. These services help monitor your credit and public records for suspicious activity and will alert you if and when something is found. Some of these services also offer additional recovery and resolution help should you fall victim to identity theft.

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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Guía de BBB para compras de regreso a la escuela durante el fin de semana libre de impuestos

8/16/2012

Posted on 8/16/2012 by
Guía de BBB para compras de regreso a la escuela durante el fin de semana libre de impuestos

Familias se están preparando para el nuevo ano de escolar

AUSTIN, Texas - 16 de Agosto 2012 - La Federación Nacional de Minoristas reporta en el regreso de la escuela el gasto llegará a $83.8 mil millones este año. Situándose las compras para el regreso de la escuela el segundo mayor evento comercial del año. El fin de semana libre de impuestos ofrece una gran oportunidad para abastecerse de los artículos necesarios para el regreso a la escuela pero el Better Business Bureau anima a las familias planear con antelación para conseguir la mejor compra para su dinero.

En Texas, la ley de los libres de impuestos exime la mayoría de ropa, calzado, útiles escolares y morrales que cuesten menos de $100. La exención de libre de impuestos se aplica a las compras realizadas en la tienda, en línea y por correo. Una lista completa de los elementos que se califican para la exención se puede encontrar en el sito de la Contralora de Texas.

Las familias pueden ahorrar cerca de $8 por cada $100 que gastan en artículos libres de impuestos, pero ten cuidado con los minoristas que promueven ventas del regreso a la escuela y los artículos no califican.

Para ahorrar tiempo y dinero, BBB ofrece los siguientes consejos a las familias:

· Establece un presupuesto. Determine la cantidad que está dispuesto a gastar por persona. Incluya a los niños en el proceso de creación del presupuesto para enseñarles las técnicas de manejar el dinero.

· Haga un inventario. Antes de ir a las tiendas, hace un inventario de artículos que ya tiene. Es posible que tenga restos de provisiones del año pasado. Mire alrededor de la casa por los elementos reutilizables como morrales, loncheras, calculadoras y gobernantes.

· Sepa la diferencia entre. Ventas de “Regreso a la Escuela" y los artículos que siempre son libres de impuestos. Las tiendas saben que las ventas son importantes a los consumidores y la gente se esta preparando para el próximo ano escolar. Fíjese con cada tienda cuales artículos tendrán solo descuentos y los que siempre son libre de impuestos. Verifique con la escuela y la oficina de la Contralor del Estado.

· Compre con una lista. Lleve una lista de todo los artículos que necesita y los anuncios de papel antes de visitar las tiendas. Esto le ayudará a mantenerse dentro de su presupuesto, evitar compras por impulso y asegurarse de que no se le olvida nada.

· Mantenga sulista de útiles escolaresen la mano. Las escuelas ofrecen a los padres una lista de elementos necesarios para el año escolar. Muchas tiendas tendrán listas similares dentro de sus localidades también. Utilice estas listas como una guía para determinar lo qué se necesita y lo que la escuela no va y no va permitir.

· Verifique las políticas de reembolso. Asegúrese de que cualquier ahorro adicional será devuelto si no hay un problema con cualquier artículo comprado. Lo mismo ocurre con el intercambio de artículos, así que consulte con las tiendas individuales antes de tomar una decisión. Tenga en cuenta que algunos artículos como trajes de baño no se pueden devolver y otros artículos como los electrónicos frecuentemente tienen cargos por reposición asociadas con ellos.

Para verificar la confiabilidad de una empresa y encontrar empresas de confianza, visite 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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BBB’s Guide to Back-to-School Shopping During the Tax-Free Weekend

8/16/2012

Posted on 8/16/2012 by
BBB’s guide to back-to-school shopping during the tax-free weekend

Annual Sales Tax Holiday runs Aug. 17 – 19

AUSTIN, Texas - Aug. 16, 2012 — According to the National Retail Federation, back-to-school spending will reach $83.8 billion this year, ranking back-to-school shopping as the second largest shopping event of the year. While the tax-free weekend offers a great opportunity to stock up on the necessary back-to-school items, Better Business Bureau encourages families to plan ahead to get the best buy for their buck.

The Texas tax-free law exempts most clothing, footwear, school supplies and backpacks priced less than $100 from sales and use taxes. The tax-free exemption applies to purchases made in-store, online and via mail. A complete list of items that qualify for exemption can be found on the Texas Comptroller’s website.

While families can expect to save about $8 for every $100 they spend on tax-free items, many retailers will also be promoting back-to-school sales that may not include tax-free exemptions.

To save time and money, BBB encourages families to:

· 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 techniques.

· 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.

· Know the difference between “Back-to-School Sale” and tax-free items. 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. Additionally, many schools have specific dress codes you’ll want to keep in mind before spending money on clothes the school may not allow.

· Have your schools required items lists handy. Schools will often provide parents with a list of required items for the school year. Many retail stores will also have these lists available. Use these lists as a guide to determine what is needed and what the school may not allow.

· Check for refund and exchange policies. Be sure you can exchange or return items that are 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 BBB Accredited 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 Stranded by Choosing the Wrong Mechanic, BBB Warns

8/14/2012

Posted on 8/14/2012 by

Don’t get stranded by choosing the wrong mechanic, BBB warns

Tips for finding the right fix with your auto repair shop

AUSTIN, Texas - Aug. 14, 2012 — It’s what you’ve been dreading. You’ve heard that funny noise and felt the rattles for quite some time and now the check engine light is on. Something is wrong with your car. It’s that time to use the right tools to find a mechanic.

Since January, Better Business Bureau serving Central, Coastal, Southwest Texas and the Permian Basin received more than 400 complaints against auto repair and service shops. The majority of those complaints allege repair work did not solve the problem, repairs took longer than expected, final costs differed from the estimated cost and companies refused to honor guarantees.

Car problems will inevitably affect every car owner at some point. Whether in need of an oil change or a new transmission, finding the right repair shop can save you time and money.

Follow these tips from BBB next time you’re in need of car repairs:

· Take your time and get multiple estimates. Research the problem with your vehicle to better understand the issue and how it can be fixed. If you have time, get several written estimates.

· Find trustworthy shops through BBB. Visit BBB Member Pages to find a BBB Accredited mechanic or auto repair shop.

· Ask for a follow-up after the problem is found. Many shops will charge a diagnostic fee to research a car issue. However, the company should get your permission prior to doing any repair work on your vehicle.

· Ask for warranty information. An auto repair shop should have no issue providing the warranty in writing. If they refuse, that’s a red flag.

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

Don’t Get Stranded by Choosing the Wrong Mechanic, BBB Warns

8/14/2012

Posted on 8/14/2012 by

Don’t get stranded by choosing the wrong mechanic, BBB warns

Car problems will inevitably affect every car owner at some point. Whether in need of an oil change or a new transmission, finding the right repair shop can save you time and money.

Follow these tips from BBB next time you’re in need of car repairs:

· Take your time and get multiple estimates. Research the problem with your vehicle to better understand the issue and how it can be fixed. If you have time, get several written estimates.

· Find trustworthy shops through BBB. Visit BBB Member Pages to find a BBB Accredited mechanic or auto repair shop.

· Ask for warranty information. An auto repair shop should have no issue providing the warranty in writing. If they refuse, that’s a red flag.

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