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Beware of Tax Scams and Unethical Preparers

2/7/2012

Posted on 2/7/2012 by

Denver, CO – February 7, 2012 – Whether you have filed your taxes already or not, now is the time to be especially guarded against tax scams. For those who still need to file, it is important to choose one of the many reputable tax preparers out there and not fall victim to someone unethical. For those who have filed already, beware of any strange communications about your refund that appear to be coming from your bank or the IRS.

“It’s the time of year for tax filers to steer clear of unqualified preparers who are just trying to make a buck and may not be very honest,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Tax season is also when scammers make an extra push to get people to fall for phishing attempts.”

One of the most common tax scams involves phishing for your private information by someone who is impersonating the IRS. They may say that there is a problem with your refund and they need your personal and/or financial information to resolve the issue. These phishing attempts have been known to happen via phone or email. Consumers should know that the IRS does not correspond with the public in this manner.

Unethical tax preparers have been known to skim part of their clients’ refunds, overcharge for services, and attract clients by making promises that are too good to be true. According to the IRS, federal courts have issued hundreds of injunctions ordering individuals to cease preparing returns, and the Department of Justice has pending complaints against dozens of others.

Follow these tips from your BBB to avoid falling victim to a scam as tax season wraps up:

Beware of any phishing emails or phone calls that seem to be from the IRS or your bank. Do not give any personal information or click on any links.
Contact the IRS or your bank directly if you receive such a correspondence. Ask them if they are trying to get in touch with you. They are likely NOT and you should forward them the email you received for them to investigate.
Beware of anyone who pressures you to sign up for immediate payment of your refund that involves high interest loan. Consider these options carefully and do not be high-pressured.
Beware of those that boast they can get larger refunds than their competitors.
Beware of anyone who bases their fee on a percentage of the refund amount, rather than the complexity of the tax return.
Check out tax preparers with your BBB first at www.denver.bbb.org.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviews and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Is Your Business Equipped to Deal With a Disaster?

1/31/2012

Posted on 1/31/2012 by

Denver, CO – January 31, 2012 – Reacting to a natural disaster or emergency not only means ensuring the immediate safety of employees, but also planning how the business will continue to function in the aftermath.

Disasters can be related to everything from weather, health, or major equipment.

The BBB advises business to be fully prepared for any disaster with a comprehensive business continuation plan.

According to the Insurance Institute for Home and Business Safety, one in four small businesses forced to close because of a disaster never re-opens. Business that have a business continuity plan in place – and use it during and after disaster strikes – typically experience less damage, loss and downtime than businesses without a plan.

The BBB advises the following for business owners to prepare for a disaster:

Don’t be caught off guard. Consider the different types of disasters—fire, flood, tornado, etc.—that can occur and how your business would respond differently to being displaced for a week, a month, or longer.
Know your surroundings. Determine alternate locations for your business to operate if you are displaced from your current building. This could mean enabling employees to work from home or finding an alternate location for your office or store.
Prepare your staff. Identify essential staff who are core to the operations of the business and keep a list of their phone numbers (home, work, pager, cell) and e-mail addresses that can be accessed by employees from several locations (home, Internet, etc.).
Communicate, communicate, communicate. Devise an emergency communications plan that outlines how your business will communicate with employees, customers, vendors and other key external contacts in the days following a disaster. Contact vendors and suppliers to confirm their emergency response plan procedures. Be prepared to use alternate vendors for essential supplies and equipment. Have your back-up equipment kept in good working condition.
Have an up-to-date inventory of your assets. Review your insurance policies to ensure that you have adequate coverage for items you cannot afford to lose. A standard policy may not cover business interruption losses.
Store your documents safely and efficiently. Keep duplicates of personnel, payroll, payables and receivables and other essential records at an off-site location. Regularly make back-up copies of important computer files.
Establish a succession of management for the company. Determine who will manage the company if key leaders are unavailable.

The Better Business Bureau, along with the American Red Cross Mile High Chapter are hosting an event on Thursday, February 2, that features a seminar for businesses to learn all they need to know about preparing for a disaster. The event will be held at the American Red Cross on 444 Sherman St in Denver. Please visit denver.bbb.org/events to register.

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About the BBB

The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviews and BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Eye of the Tiger: Jake Jabs Becomes a Hall of Famer

1/27/2012

Posted on 1/27/2012 by Zaq Tull

Jake Jabs, owner of American Furniture Warehouse, was honored as a Colorado Business Hall of Fame Laureate Thursday evening. Mr. Jabs founded the Centennial Colorado-based business in 1975, and currently serves as the company’s president and chief executive officer. The company has been BBB Accredited for the better part of a decade, and American Furniture Warehouse’s customer service manager, Rob Naish, serves on the BBB’s Board of Directors.

Mr. Jabs received this award for his dedication to community-based philanthropy. He’s especially passionate about causes relating to students, and the future of business in Colorado. In addition to a three-million dollar donation to his alma matter, the proud Montana State alumnus has generously donated to the BBB Foundation’s Student of Integrity Scholarship over the past several years. ColoradoBiz Magazine states that American Furniture Warehouse’s donations to local charities exceed two-million dollars annually.

President and CEO of Junior Achievement Rocky Mountain, Robin Wise, commented on the newly minted laureates, saying; "The contributions of the Colorado Business Hall of Fame's six new laureates provide excellent examples for all future businessmen and women." As for Mr. Jabs, it appears the octogenarian titan will continue to set his example from the frontlines of his self-constructed furniture empire; the same empire he has managed for the last 37 years. Regarding his future career plans, Coloradobiz Magazine states, “Jabs has no plans to retire. Running his privately held company keeps him occupied and interested.”

The BBB Foundation would like to offer its heartfelt thanks for the support of Mr. Jab’s and American Furniture Warehouse. You have helped the Foundation to improve the lives of Colorado students; we wish you continued success in the future.

Phone Calls are the Latest Twist in BBB Phishing Scam

1/26/2012

Posted on 1/26/2012 by

Denver, CO – January 26, 2012 – The Better Business Bureau (BBB) is warning everyone about a new twist in the ongoing phishing scam that abuses its trusted name. New reports about the scam are about receiving phone calls – in addition to emails – from scammers claiming to be from BBB.

In the scam’s latest development, callers offer help removing a virus from the recipient’s computer. They claim the computer was infected when the owner downloaded a virus from an email scam using the BBB name. It is being reported that scammers are calling from the phone number, 858-102-3252.

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

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

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

If you receive any phishing emails, even if you didn't click on any links, the BBB recommends immediately running anti-virus software to prevent hacking.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviews and BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Making Payments on Smartphones Has Risks

1/24/2012

Posted on 1/24/2012 by

Denver, CO – January 24, 2012 – As technology continues to rapidly evolve, more and more consumers are turning to their smartphones and tablet devices to do just about everything, including paying bills and making purchases. Unfortunately, while these technologies may be convenient and wildly popular, they may not be as secure as one would assume.

According to a recent analysis conducted by Consumer Reports, if you use your cell phone to make mobile payments, your level of protection against financial liability if something goes wrong will vary depending on your wireless carrier's policies and your cell phone contract.

Protections are not the same as those that are guaranteed for direct transactions made with credit and debit cards.

“Often technology moves faster than the security to accompany it,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “This is the case with smartphones and similar devices so consumers need to know what protections are in place, as well as what the risks are.”

To avoid problems with your device carrier and/or merchants you purchase from, keep these tips in mind:

Read your contract and make sure you understand your protections. If something isn’t clear, contact the carrier and ask questions.
As much as we would like to think of smartphones or iPads as a mini computers, they are not and may not have security software available. Find out if your device has such software available and purchase it to keep your transactions as safe as possible just like you would with your laptop.
Beware of fake apps. Make sure that your device has a screening process in place for each app you download. Remember that oftentimes, fake apps are the free ones. Also, try to research and review apps before downloading to see if anyone has had any problems with it.

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About the BBB

The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

BBB Warns of Complaints & Advises on Health Firms

1/17/2012

Posted on 1/17/2012 by

Denver, CO – January 17, 2012 – As we ring in the New Year, many resolve to improve their health in 2012.

Consumers should beware of who they look to for help with this, however. In 2011, BBBs nationwide received more than 920 complaints against weight control services, more than 600 complaints against gyms and more than 3,150 complaints against health and diet food retailers.

Consumers have complained about deceptive advertising, ineffective products, and confusing or misleading contracts.

“Health and weight loss are major industries in the U.S. so unfortunately, there are some bad actors out there,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “It’s so important for consumers to be skeptical of programs and products that make unlikely promises.”

For consumers looking to shed pounds this year, we offer the following advice:

• Consult your physician. Before starting any weight loss regimen, visit your family doctor to discuss your overall health and safe and effective weight loss programs.

• Read contracts carefully. When signing up for any kind of recurring membership, such as at a gym or weight control program, be sure to understand all the terms and conditions before signing. Make sure you know how to cancel and whether or not your membership is automatically renewed at the end of the contract.

• Be wary of free trials. Know when the free trial begins and ends and whether or not you have to call to cancel in order to avoid future charges. Be clear on how much you will be charged if you do not cancel and whether or not you have to return any unused product.

• Avoid unproven products. Fad diets and new products come around every year that promise amazing results. Many such claims are not supported by evidence and some products have dangerous side effects.

• If it sounds too good to be true, it probably is. Be wary of claims that a product can shed pounds without dieting or exercise, or programs that promise unusually good results.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

BBB Names Top 10 Scams of 2011

1/6/2012

Posted on 1/6/2012 by

Denver, CO – January 6, 2012 – The Better Business Bureau (BBB) investigates thousands of scams every year, from the latest gimmicks to the oldest schemes in the book, which continue to persist and evolve. As the New Year begins, the BBB reflects on 2011’s most prevalent marketplace problems. Here is its annual “Top 10” list of scams:

1. Phishing Scams: “Phishing” is when a scammer calls or emails someone asking for personal information. Phishing emails infect computers with a virus to steal data. One of the most harmful phishing scams of 2011 disguised itself as an official communication from NACHA (National Automated Clearing House Association), which facilitates the secure transfer of billions of electronic transactions every year. The email claimed that a transaction did not go through, and like most phishing emails, it hopes recipients will react quickly and click on the link before thinking it through. Other major phishing scams in 2011 included those that were disguised as being from the BBB, StubHub, Netflix and UPS. The BBB is still working with security consultants and federal law enforcement to track down the source of the phishing emails that used its name. The BBB has helped to shut down dozens of hijacked websites.

2. Sweepstakes and Lottery Scams: Sweepstakes and lottery scams come in all shapes and sizes, but the pitch is almost always this: the target has won a huge sum of money, and in order to claim it they must send in a smaller amount of money, usually via wire transfer. 2011’s top sweepstakes scam was undoubtedly the email claiming to be from Facebook founder, Mark Zuckerberg announcing that the recipient was the winner of $1 million from the popular social networking site. The BBB consistently takes calls from people who think they’ve won a fraudulent sweepstakes.

3. Mail Fraud: One of the most widespread scams to take place locally involved deceptive mailings that appeared to be from “official” departments or offices. One notable scam of this kind was a mailing sent to several local businesses from an entity called, Corporate Controllers Unit. The letter deceived recipients into thinking they were updating their trade name filing with the state and asked for a payment of $225.00. The state of Colorado only charges $10.00 for the same filing.

4. Online Merchants: Online shoppers had quite a frustrating year, according to BBB complaints. Several online retailers left consumers hanging when it came to the delivery of their purchases in 2011. Online merchants selling everything from bikes, to pet supplies, to firearms and even brewery tours received numerous complaints about non-delivery and lack of refunds.

5. Social Media/Online Dating Scams: Fraudulent messages with malicious links claiming to show everything from grisly footage of Osama bin Laden’s death to the latest celebrity scandals appeared on social media sites, often looking as if they had been shared by a friend. “Sweetheart” scams were also prevalent, conning online daters into sending money to criminals pretending to be love interests.

6. Roofers: Though 2011 was a quieter year for renegade roofers compared to recent years past, the BBB still saw a surge in complaints against the industry during the summer months. In June and July alone, over 100 complaints were filed against roofers. Complainants often state the roofer took a down payment and never started work or in other cases, never finished or did very poor work.

7. Job Scams: Secret shopper schemes, work-from-home fraud, and other phony job offers are still common, however, in 2011, job-related scams appeared to include an element of identity theft. One particular scam of this sort that hit our area appeared on Craigslist. It claimed to pay $18.50 an hour for call center jobs but before applying, those interested were required to obtain a “free credit report.” Applicants were instructed to get this credit report through a fraudulent website, which is where identity theft may have been committed, as extremely personal information is requested for the report.

8. Timeshare Scams: Timeshare owners continue to be frustrated with not being able to sell their properties. In 2011, many consumers fell victim to a very specific timeshare scam. Victims received a call out of the blue offering a generous price for their Mexican timeshare property. The buyer offered to handle the transaction for no money up front and made the process simple and easy for the consumer, emailing all necessary documents and providing a supposed independent escrow account to act as a secure third party. In time, various international taxes and other ambiguous fees were assessed to victims, while the timeshare company promised reimbursement at the time of sale. Thousands of dollars later, both the buyer and escrow company disappeared, taking with them the consumers’ money and trust.

9. Penny Auction Websites: Appearing for the first time on the BBB’s top 10 list is penny auction websites; a new, ever-growing sector of online sales. Penny auctions are very popular because they appear to offer high-end products, (cameras, computers, etc.) for well below retail prices. But customers pay a small fee for each bid (usually $0.50 to $1.00) and when they don’t win, they lose all bid money they’ve paid. This loss of money is what differentiates these offers from typical auctions. Although not all penny auction sites are scams, some are being investigated as online gambling.

10. Identity Theft: There are countless ways to steal someone’s identity and hotels everywhere became a target of this crime in 2011. Many hotels now post warnings in their lobby about the following scam: guests get a call in their hotel room in the middle of the night and seems to be the front desk clerk saying their computer has crashed and they need the guest’s credit card number again. Scammers count on guests being too sleepy to catch on that the call isn’t from the hotel at all, but from a criminal who knows the direct-dial numbers for the guest rooms. By the time morning rolls around and the guest is clear-headed, their credit card information has been stolen.

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About the BBB

The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Beware of Ticket Scams as Bronco Game Sells Out

1/4/2012

Posted on 1/4/2012 by

Denver, CO – January 4, 2012 – As the Broncos prepare to host its first playoff game, tickets have sold out and scammers are taking notice. Unfortunately, if fans want to attend they will no choice but to purchase from third-party brokers. The Better Business Bureau (BBB) warns to use extreme caution when making such transactions to avoid being ripped off.

“The most important thing to do is to know and trust who you are buying from,” says Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder.

Most problems occur with private dealers on websites like Craigslist and eBay. Ticket seekers have been known to be swindled by wire transfer scams, non-delivery of tickets and have even been turned away from games when their tickets turned out to be counterfeit.

The BBB offers the following tips to help fans avoid being ripped off:

· Do not ever, ever wire funds for payment.

· Do not allow people to mail you tickets, pick them up in person.

· If you can verify the legitimacy of the tickets before the game, that is recommended.

· It is best to only buy directly from the box office or through authorized ticket markets, (stubhub.com) when available.

· Keep in mind that it is illegal for scalpers to sell tickets for prices above face value.

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About BBB
The BBB is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviews and charity reports, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Last Minute Charitable Giving: Five Questions to Ask

12/29/2011

Posted on 12/29/2011 by

Denver, CO – December 29, 2011 – As 2011 closes out, charities are making a final push for donations, and donors are scrambling to make tax-deductible contributions before the year ends. The Better Business Bureau (BBB) warns patrons to make several considerations before giving their last-minute donation.

“We may be rushed to give to that one last charity in order to deduct it from our taxes, but donors need to take the time to ensure the charity is reputable – and that the donation actually is tax-deductable,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder.

Many tax law provisions have changed in recent years and the BBB recommends donors to educate themselves on all IRS rules to avoid surprises come tax time.

The BBB also recommends donors to ask the following five questions before giving:

1) Is this a charity I can trust?

Look at the appeal carefully; some charities’ names sound the same. Do not be fooled by names that look impressive or that closely resemble the name of a well-known organization. A common scheme used in charity fraud is name-pirating of well-known organizations to gain the trust of donors. Check it out first. If someone says they are with the Red Cross, for instance, contact the Red Cross directly and verify that who you spoke with or what you receive really is affiliated with them. Also, visit the BBB’s website www.denver.bbb.org/charity to find out whether the charity meets the 20 BBB Standards for Charity Accountability. These standards address charity governance, finances, fund raising, donor privacy, and other accountability issues.

2) How will the charity use my donation?

Ask questions about how your donation will be used. Beware of appeals that bring tears to your eyes but tell you little about what the charity is doing about the problem it describes so well. For example, if the charity says it is helping the homeless, do they explain how and where this is taking place? (Shelter, food, medical care, etc.) Watch out for statements such as “all proceeds will go to the charity.” This can mean that only the money left after expenses, such as the cost of written materials and fund raising efforts, will go to the charity. These expenses can be high, so check carefully.

3) Is my donation tax deductible?

If you want to take a charitable deduction for federal income tax purposes, make sure the organization is tax exempt as a charity under section 501(c)(3) of the Internal Revenue Code. A charity appeal will usually include a reference to this. To verify a charity’s tax status, access an IRS database of organizations by viewing Publication 78 on the IRS website at www.irs.gov.

4) Can the charity actually use what I am donating?

All charities welcome the receipt of monetary donations, but some also solicit in-kind donations such as clothing, food, and toys. If you are planning to donate items to a worthy cause, make sure you know the in-kind contributions your charity prefers. For example, a food bank may prefer food items that are not perishable such as canned goods, and a toy drive may be seeking new and not used toys.

5) Am I feeling pressured to give?

Do not succumb to pressure to give money on the spot, either immediately over the phone via credit card or by allowing a “runner” to pick up a contribution. Also, never donate in cash. Always use a check or credit card to document the donation and to stop payment or dispute if you discover a problem. Take the time to research the charity fully; the charity that needs your money today will welcome it just as much tomorrow.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

BBB Phishing Email Persists, Updated Advice

12/20/2011

Posted on 12/20/2011 by

Denver, CO – December 20, 2011 – An email scam using the Better Business Bureau’s name and logo continues to proliferate across North America, and even to some overseas addresses. Most of the emails carry the famous BBB torch logo and come with the subject line “Complaint from your customers.” The emails have a link or an attachment containing malicious phishing malware that steals information, often with devastating results.

Larry Andrus is a member of the board of directors of BBB Western Michigan and also the CEO of Trivalent Group, Inc., a BBB Accredited Business that helps its clients manage, access, protect, and store their data. One of his firm’s clients opened the affected attachment, which launched malware that quickly found the accounting office’s computers, accessed bank numbers and passwords, and nearly completed a fund transfer from the company’s account.

“We had to completely wipe the computers in order to contain the damage to our client,” said Dawn Simpson, Trivalent’s vice president of marketing and business development.

Because of experiences such as this one, BBB has updated its advice and recommends the following to anyone who receives the email:

Do not to open any attachments
Do not click on any links
Forward the email to phishing@council.bbb.org and then delete it from your inbox, and then delete it again from your trash or recycling folder
Run a full system scan using reputable virus software

Previously, BBB had recommended running a full system scan only if the recipient had clicked on the link or opened the attachment. But due to the virulent nature of the virus, the new recommendation is for everyone who receives it to do the scan. In offices or homes that are networked, all computers should be scanned.

Chris Garver, Chief Information Officer at the Council of Better Business Bureaus (CBBB), recommends that all domain owners set up a sender policy framework (SPF) and set their spam filter to use it. “Using the SPF standard helps fight spam and phishing attacks by allowing your email servers to verify whether an email is legitimate…or not,” he says.

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

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

Look for typos, grammatical errors, etc. in the text that could indicate it originated overseas.
Check to see who it says it is from. Complaints go out from the local BBBs, not from the headquarters office.
Hover your mouse over the link to see if its destination is really a bbb.org address.
Copy and paste the link into Notepad (not Word). Notepad does not support html, so if the link is a fake bbb.org address, the real link will show up.
If you still are not sure, go to www.bbb.org to find your local BBB, and send them a new email to ask if you have a complaint (do not Reply to the email you received, or forward it to them). They have been swamped with requests, so you may not hear back immediately.

CBBB is working with federal law enforcement agencies to identify the perpetrator of this fraud, and is also looking into other measures it can take to help prevent future phishing scams from spreading.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Top Five Holiday Scams to Avoid This Season

12/19/2011

Posted on 12/19/2011 by

Denver, CO – December 19, 2011 – The holidays are a joyous time for togetherness and giving, but also a time for fraud. Consumers can fall into any number of traps during this time and become victim to identity thieves, hackers and deceptive merchants online. The Better Business Bureau (BBB) is warning holiday shoppers and donors to look out for five common scams seen often during this time of year.

“Don’t let your guard down just because it’s the holiday season,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Those who get taken this time of year tend to be too trusting and don’t take the time to do their homework like they normally would.”

The following is a list of the top five holiday swindles and advice on how to avoid them:

1. Phishing emails

Phishing emails are a common way for hackers to get at your personal information or break into your computer. Common phishing emails around the holidays include ecards and messages pretending to be from companies like UPS or Fedex with links to package tracking information.

BBB Advice: Don’t click on any links or open any attachments to emails until you have confirmed that they are not malicious. Email addresses that don’t match up, typos and grammatical mistakes are common red flags of a malicious phishing email. Also beware of unsolicited emails from companies with which you have no association. Make sure you have current antivirus software and that all security patches have been installed on the computer.

2. Finding the season’s hottest toys and gadgets online

Every year, holiday shoppers fight over the “must have” toy or gadget of the season. When the item is sold out in stores, you can often find it online through sites like Craigslist or eBay—for a much steeper price. The problem is that some sellers will take your money and run.

BBB Advice: Shop locally on Craigslist and conduct the transaction in person—never wire money as payment. When purchasing items on auctions like eBay, research the seller extensively and always listen to your doubts if the deal doesn’t sound legit.

3. Identity theft at the mall

While you’re struggling at the mall with bags of presents, identity thieves see an opportunity to steal your wallet and debit or credit card numbers.

BBB Advice: Don’t let yourself get bogged down in purchases and lose track of your wallet. Know where your credit and debit cards are at all times and cover the keypad when entering your pin number while purchasing items or getting money from the ATM.

4. Bogus charitable pleas

The holidays are a time of giving which creates a great opportunity for scammers to solicit donations to line their own pockets. Also beware of solicitations from charities that don’t necessarily deliver on their promises or are ill-equipped to carry through on their plans.

BBB Advice: Always research a charity with the BBB (visit www.denver.bbb.org) before you give to see if the charity meets the 20 Standards for Charity Accountability.

5. Gift Card Scams:

Whenever something is popular, such as giving and receiving gift cards, scammers take notice. As soon as a gift card is activated, a scammer may already have its information and start using it before you do. Stolen or fake gift cards are also being sold on internet auction sites. BBB Advice: Do not buy gift cards from online auction sites; these cards are often counterfeit or obtained by fraudulent means. Also, give the recipient the original receipt to verify the card’s purchase incase it gets lost or stolen.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

What to Know Before Giving and Receiving Gift Cards

12/13/2011

Posted on 12/13/2011 by

Denver, CO – December 13, 2011 – According to the National Retail Federation (NRF), the average consumer spent $145 on gift cards during the 2010 holiday season, averaging $40 spent per card. The NSF also states that more than half of holiday shoppers in 2010 said they would like to receive gift cards. It is no wonder why gift cards are all the rage; they are simple, fun and almost always guaranteed to please.

Unfortunately, in a down economy, some consumers may try to cut corners and purchase “discounted” gift cards from auction websites. According to the Internet Crime Complaint Center (IC3), gift cards bought from such sites or classifieds often turn out to be fraudulent or stolen.

BBB’s do’s and don’ts for giving gift cards:

o Don’t buy from online auction sites – only buy gift cards from reputable retailers. Gift cards sold at online auction sites are more likely to be counterfeit or obtained by fraudulent means. It’s even possible these cards could have no value when purchased.

o Do read the terms and conditions that are required to be clearly disclosed on the card’s packaging prior to purchasing. Understand any associated fees and expiration dates.

o Do examine gift cards closely before purchasing them at stores. Do not purchase cards that appear to have been tampered with. Criminals have been able to get info off of cards and wipe out their balances leaving you with a worthless purchase. It may be best to buy them from the customer service counter as opposed to a public rack.

o Do give the recipient the original receipt to verify the card’s purchase, in case it gets lost or stolen.

BBB’s do’s and don’ts for receiving gift cards:

o Do treat your card like cash. If it gets lost or stolen, immediately report it to the issuer.

o Don’t wait to use your card. It’s not unusual to misplace gift cards or to forget you have them. Also, retailers can charge fees after one year of inactivity as long as it is clearly disclosed.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Denver Man Charged With Theft & Forgery in Real Estate Scam

12/6/2011

Posted on 12/6/2011 by

Denver, CO – December 6, 2011 – The prevalence of foreclosures in recent years has caused a surge in scams, many of which involve criminals fraudulently acting as homeowners. The Denver District Attorney’s office is warning of such scams after charging a man with multiple counts of forgery and theft.

The DA’s office alleges that Alfonso Carrillo operated a homebuyer and rental scam under the business name, Home Retention Services that targeted Spanish-speaking victims. According to the DA’s fraud alert, Carrillo is accused of filing phony deeds on houses vacated through foreclosure, then gaining access and posing as the owner.

The alert also states that an arrest warrant has also been issued for a second man, Rudy Breda, who is accused of recording phony deeds with the Denver Clerk and Recorder’s Office.

“Being on guard against imposter homeowners has become a new reality for renters and buyers of homes in this economy,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “When the vulnerable are targeted such as the young, elderly or Spanish-speaking, it is especially disturbing.”

Such scams have become so common, local businesses have developed services to help renters and buyers check out and verify landlords. Research real estate services at www.denver.bbb.org.

The Denver DA’s office and the Better Business Bureau offer the following tips for avoiding real estate/rental/landlord fraud:

· Never take a person’s word that they own a home, or that they are a reputable real estate agent or broker.

· Always check with a title company to be certain the ‘owner’ you are dealing with holds the actual deed. Check the status of a real estate agent at www.dora.state.co.us/library/databases3.htm

· Never record a deed, if asked. It is a crime for a person to record a deed if the deed is legally held by someone else. Only the property owner can sell or rent their property.

· Beware of deals that sound too good to be true. Scammers will often list a rental for a very low price to lure victims.

· Never wire transfer a deposit. Money sent via wire transfer service is extremely difficult to track and retrieve.

The Denver District Attorney’s Office is advising anyone who believes they may be the victim of this type of scam to contact them and ask for Investigator Daniel Chun.

The Denver DA’s Fraud Line is: 720-913-9179.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

What To Know Before Hiring Help For Your Holiday Party

12/5/2011

Posted on 12/5/2011 by

Denver, CO – December 5, 2011 – This time of year, many have parties for family and friends to celebrate holiday traditions. Hosting such gatherings often means hiring businesses to help with tasks such as cleaning, setting up, and cooking. Holiday chaos can often cause people to feel rushed and overwhelmed, inhibiting their wise consumer skills. The BBB (Better Business Bureau) warns not to make unapprised decisions when it comes to hiring help for your holiday celebration.

Two services hosts may consider hiring professionals for are carpet cleaning and catering. In 2010, the BBB Serving Denver/Boulder received more than 30 complaints on carpet cleaning companies. Complaints tend to concern dissatisfaction with service and sometimes even damage to carpets or rugs.

While caterers tend to receive minimal BBB complaints, it is important to research any food service provider to ensure they are properly licensed with their county health department.

The BBB offers more tips for hiring such companies to help with your holiday bash:

Before you hire a carpet cleaner:

o Check the company’s BBB Business Review.

o Know the options offered based on your carpet’s materials, including steam cleaning and different dry and wet cleaning systems. A reputable cleaner should evaluate your carpet and recommend a system compatible with your carpet. Some natural fibers, like cotton and wool, should not get too wet due to shrinkage concerns.

o Ask the cleaner if there are additional costs for moving furniture, cleaning area rugs, pretreatments, and removal of heavy stains or pet odors.

o Find out if any care is required after the cleaning, how long the carpet will take to dry, and if ventilation or fans are required for drying.

o Ask what satisfaction guarantee they offer, and get it in writing.

Before you hire a caterer:

o Check the company’s BBB Business Review.

o Verify proper licensing with the county where their business is based.

o Give them your head count and budget, and ask for a sample menu based on this information.

o Ask the caterer if there are additional costs besides the food and beverages (table linens, centerpieces, decorations, taxes, gratuities, etc.)

o Ask if they provide cutlery and glassware, and if they rent tables, if needed.

o Get all agreed-upon details put into a written contract, and contact the caterer a week before and the day before your event to avoid last-minute surprises.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Use Layaway, Don't Let It Use You

12/1/2011

Posted on 12/1/2011 by

Denver, CO – December 1, 2011 – Layaway has become increasingly popular with the challenging economic times. Many find it very helpful during the holidays to be able to space out payments. However, putting an item on layaway may result in a loss of money or the item itself if you do not read the contract carefully.

BBBs around the country have received complaints in the last year from consumers whose layaway purchase did not turn out the way they anticipated.

Consumers mainly place furniture, toys, electronics, and jewelry on layaway and do so at a variety of stores, including national chains, local retailers, and pawn shops.

“It’s important to know the policies up front. Problems can be avoided if customers get the agreement in writing, understand it and ask questions if anything is unclear or missing,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Also, the worst thing that can happen with layaway is the company going out of business. So be sure to only sign up with a reliable retailer.”

The BBB suggests that consumers consider the following when using layaway this holiday season:

Ask the company for a written contract for the layaway and read it carefully. Keep in mind that each company may have a different layaway policy. Check for:

How long the item can be on layaway?

It’s important to know that some items have a time limit and once that time is up, the item is returned back to the store for someone else to purchase.

Will the item be placed in a hold area until all payments are made?

If the item is not held for you, it may be inadvertently sold to another customer.

Is there a specific date when each payment must be made?

The contract may specify when payments must be made and that, if a payment is not made by that date, the layaway item can be sold to another consumer.

What is the company's refund policy? Is there a restocking fee? Will only a store credit be issued? Are no refunds available?

Consumers report not being able to obtain a refund or a store credit if they change their mind about buying the item put on layaway. In addition, complaints state that restocking fees of 10% or more are often charged.

When putting on layaway a product that is not in stock, is the product ordered when the layaway is opened or when the last payment is made?

Consumers report that even after the last payment is made the product is not available, as it is then ordered and sometimes is delayed for weeks or months.

· Delivery timeframe should be determined up front.

Consumers report that after the last payment, delivery has been delayed due to the product not being available or other consumers having their delivery dates scheduled before layaway customers.

Is there a fee to use the layaway program? If so, how much is the fee and is it refundable?

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Major Phishing Scam Disguised as Being From the BBB

11/23/2011

Posted on 11/23/2011 by

Denver, CO – November 23, 2011 – The Better Business Bureau (BBB) is warning businesses to beware of a new malicious email that appears to be about a complaint filed against the company. It is being sent under the guise of the BBB and even uses the BBB’s logo. The email first came to BBB’s attention on November 21, 2011.

BBBs across the country have been flooded with calls from local businesses and many have reported receiving the email from the address alert@bbb.org or services@bbb.org with the subject line “BBB Complaint Case #” followed by a nine-digit number. Both BBB Accredited and non-accredited businesses have been targeted.

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

This email is not from the BBB.

Because the message is fraudulent, the BBB advises any business that receives this email to take the following steps:

Do not click on any links or reply to the message,
Forward the message to phishing@council.bbb.org,
Completely delete the message from your inbox, and
Run a full virus scan on your computer if you did click on any links.

If you receive an email from the BBB about a complaint filed against your business and need assistance in determining whether or not it is legitimate, contact your local BBB directly at info@denver.bbb.org or 303-758-2100.

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

A copy of the actual e-mail follows:

From: alert@bbb.org [mailto:alert@bbb.org]
Sent: Wednesday, November 23, 2011 6:26 AM
To:
Subject: Complaint # 22101311
Importance: High

The Better Business Bureau has received the above-referenced complaint from one of your customers regarding their dealings with you.
The details of the consumer's concern are included on the reverse.
Please review this matter and advise us of your position.
As a neutral third party, the Better Business Bureau can help to resolve the matter. Often complaints are a result of misunderstandings a company wants to know about and correct.
We encourage you to use our ONLINE COMPLAINT system to respond this complaint.

The following URL (website address) below will take you directly to this complaint and you will be able to enter your response directly on our website:

http://www.bbb.org

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Tell the BBB About Your Holiday Shopping Experiences

11/22/2011

Posted on 11/22/2011 by Megan Miller

Even in a slow economy, holiday sales continue to show average year-over-year gains. According to the National Retail Federation, the average increase in holiday sales for the past 10 years is 2.6 percent. Why is that?

It could very well be that consumers are finding creative ways to make the holidays happen on smaller budgets by starting their shopping early, planning carefully and by taking advantage of layaway and ever-popular sale frenzies. They are also given many more options when it comes to sales.

Black Friday used to be the one major day when the best deals were available but not only is the entire Thanksgiving weekend turning into an extravaganza, (spilling into Cyber Monday) but now, more retailers are opening on Thanksgiving night.

Not only are more sale days and nights taking place, but the popularity of online shopping, social media, and Smart phones has also contributed to the success of holiday retail sales. These platforms ensure that deals will be available all the way through the end of the year for consumers to take advantage of, depending on their shopping style preference.

With so many options at your fingertips, the BBB wants to know what you are taking advantage of this season…do/did you embark on a Thanksgiving weekend shop-a-thon? Are you a strict online shopper? How many gift cards do you purchase and from where? Have you participated in any holiday-related social media deals or contests? Do you use holiday mobile apps to help you stay organized?

What about problems? Have you ever been bait-and-switched on Black Friday when big sale items sold out much quicker than expected? Have you had trouble with returns or refunds? Have you ever ordered and paid for a gift online, only to have it never show up?

Read this BBB article for tips on how to avoid holiday shopping troubles: http://denver.bbb.org/article/Dont-Get-Ripped-Off-on-Black-Friday-or-Cyber-Monday-30780

Don't Get Ripped Off on Black Friday or Cyber Monday

11/21/2011

Posted on 11/21/2011 by

Denver, CO – November 21, 2011 – Black Friday and Cyber Monday are upon us and many consumers may already have their action plan in place to take advantage of the annual sale frenzy.

Getting an early start on Thanksgiving Day appears to be popular amongst shoppers. According to the National Retail Federation (NRF), approximately 22 million people hit the stores on Thanksgiving in 2010, up from 10.3 million in 2005. Black Friday sales also increased slightly in 2010, when compared to the previous two year.

Cyber Monday continues to outshine Black Friday, however, as millions prefer online shopping. The NRF reports that in 2010, 106.9 million shoppers took advantage of Cyber Monday deals, an increase of over 10 million compared to 2009.

Every year from now through Christmas, the Better Business Bureau receives calls and complaints about confusion, deception, and outright fraud in the holiday sale market. On Black Friday, deceptive advertising is common. On Cyber Monday fly-by-night websites, delivery issues and Internet scams are common. To avoid being ripped off by such problems this year, your BBB advises consumers to be proactive and perceptive.

Five BBB tips for Black Friday shoppers:

1. Read your ads carefully before starting your shopping. Make sure you read and understand all of the fine print. If you have questions, contact the store ahead of time and get clarity on any policies or conditions that may affect your experience.

2. Unavailability/Bait & Switch. One of the biggest problems during significant sale days like Black Friday is the deceptive practice of offering a popular, expensive item for a great sale price, but only stocking a very limited number of these products. This can turn into a bait-and-switch because if that product is unavailable, you are likely to stay at the store and take advantage of other, less valuable sales. To avoid this problem contact the retailer before the sale goes into effect and ask how many of that item they have in stock. Also ask if they offer rain checks to customers if they run out of the product unreasonably early.

3. Rain checks. According to an FTC rule, only food retailers are required to provide rain checks for sale items that run out. All other retailers are not required to have this policy, but it is considered a good business practice. As a savvy consumer, you should do your part in asking about rain check policies ahead of time.

4. Up-to savings claims. You may see exciting offers this Friday stating certain items are, “Up-to 70% OFF!!” or any large percentage off. Abusers of this kind of advertising may say, “up to” because most products are marked at a much lower percentage off. That is why BBB Code of Advertising guidelines state that a business should advertise the minimum and maximum amount of savings: 30% - 70% off, so it is clear that the savings are within that range.

5. Keep your receipts. Though many retailers relax their return policies around the holidays, it is still a good idea to keep your receipt in case you discover a problem with the product or transaction. Also, if a retailer advertises a “lowest price guarantee”, you will need your receipt to take advantage of the guarantee should you find the product cheaper with a competitor.

Ten BBB tips for Cyber Monday shoppers:

1. Protect your computer – A computer should always have the most recent updates installed for spam filters, anti-virus and anti-spyware software and a secure firewall.

2. Shop on trustworthy websites – Shoppers should start with BBB to check on the seller’s reputation and record for customer satisfaction. Always look for the BBB seal and other widely-recognized “trustmarks” on retailer websites and click on the seals to confirm that they are valid.

3. Protect your personal information – The BBB recommends taking the time to read the site’s privacy policy and understand what personal information is being requested and how it will be used. If there isn’t one posted, it should be taken as a red flag that personal information may be sold to others without permission.

4. Beware of deals that sound too good to be true – Offers on websites and in unsolicited e-mails can often sound too good to be true, especially extremely low prices on hard-to-get items. Consumers should always go with their instincts and not be afraid to pass up a “deal” that might cost them dearly in the end.

5. Beware of phishing – Legitimate businesses do not send e-mails claiming problems with an order or an account to lure the “buyer” into revealing financial information. If a consumer receives such an e-mail, BBB recommends picking up the phone and calling the contact number on the website where the purchase was made to confirm that there really is a problem with the transaction.

6. Confirm your online purchase is secure – Shoppers should always look in the address box for the “s” in https:// and in the lower-right corner for the “lock” symbol before paying. If there are any doubts about a site, BBB recommends right clicking anywhere on the page and select “Properties.” This will let you see the real URL (website address) and the dialog box will reveal if the site is not encrypted.

7. Pay with a credit card – It’s best to use a credit card, because under federal law, the shopper can dispute the charges if he or she doesn’t receive the item. Shoppers also have dispute rights if there are unauthorized charges on their credit card, and many card issuers have “zero liability” policies under which the card holder pays nothing if someone steals the credit card number and uses it. Never wire money and only shop locally on sites like Craigslist.

8. Keep documentation of your order - After completing the online order process, there may be a final confirmation page or the shopper might receive confirmation by e-mail – BBB recommends saving a copy of the Web page and any e-mails for future reference and as a record of the purchase.

9. Check your credit card statements often – Don’t wait for paper statements; BBB recommends consumers check their credit card statements for suspicious activity by either calling credit card companies or by checking statements online regularly.

10. Know your rights – Federal law requires that orders made by mail, phone or online be shipped by the date promised or, if no delivery time was stated, within 30 days. If the goods aren’t shipped on time, the shopper can cancel and demand a refund. There is no general three-day cancellation right, but consumers do have the right to reject merchandise if it’s defective or was misrepresented. Otherwise, it’s the company’s policies that determine if the shopper can cancel the purchase and receive a refund or credit.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviews, BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, the BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Green Tire Bikes Leaves Customers Seeing Red

11/18/2011

Posted on 11/18/2011 by

Denver, CO – November 18, 2011 – A flurry of consumer complaints have been filed recently against Green Tire Bikes, a company operating out of St. Paul, Minnesota. The company sells bicycles, bike accessories and offers service/repairs. According to The Better Business Bureau of Minnesota and North Dakota (BBB) complainants allege that after placing their orders online through the company’s website, the company collected payments and then failed to ship merchandise in a timely manner. Many complainants also state the company has failed to respond to emails or phone calls.

Three complainants so far have been filed by Colorado consumers.

“It’s always concerning when there’s a sudden influx of complaints against a company,” stated Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “In this case, there’s a clear pattern of a problem and the company is leaving customers across the country in the dark.”

The BBB in St. Paul attempted to reach the company via phone and email recently. The company failed to return calls, but did respond via email, where they alluded to problems with a recent sale, which has led to orders not being fulfilled. However, the company has not provided any further details, nor have they provided the BBB with responses to any of the complaints filed against them.

Currently, there are twenty-six complaints pending against the company, all filed within the past three weeks. Complaints mainly concern non-delivery of ordered products. The company previously resolved one complaint directly with the consumer. Another complaint was closed when it went unanswered. Green Tire Bikes currently has an F rating with the BBB.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

New Scam Targeting Locals Could Lead to ID Theft

11/10/2011

Posted on 11/10/2011 by

Denver, CO – November 10, 2011 – A new scam has hit Colorado that targets the unemployed by luring them in with a high-paying job offer, but appears to only be after their personal information.

A posting on Craigslist offers call center jobs in downtown Denver, DTC and Boulder, paying $18.50 an hour. The supposed employer describes itself as an “internet based gift giving service.”

The first step to apply for the job according to the entity’s website, http://www.getsomegifts.com/jobs.htm, which was just created in October, is completing a free credit check. The website directs applicants to get their credit report at http://www.freecreditcheck.co.nr. This particular Web address originates in the Republic of Nauru, a small island located in the Western Pacific. Its link takes you to what appears to be a website for the California-based company, CreditReport.com. The BBB contacted CreditReport.com directly and confirmed with them that www.freecreditcheck.co.nr is not one of their websites and they have no affiliated with this entity.

“If you are ever asked to provide a credit report for any reason, obtain it yourself from one of the three major credit reporting bureaus. Also remember that you are entitled to one free credit report every year, which you can get at www.annualcreditreport.com,” said Dale Mingilton, president and CEO of BBB Serving Denver/Boulder. “Be extremely careful when applying for jobs online. High unemployment has paved the way for so many job scams like this.”

There are numerous red flags associated with this latest scheme. Not only does the specific credit check requirement instructions hint at possible identity theft, but the addresses for the call centers don’t match up with any such operation; one of them, in fact is a parking lot. Finally, www.getsomegifts.com is full of too-good-to-be-true offers such as free iPhones, free Xboxes, and free $500 gift cards to Wal-Mart and Best Buy, just to name a few.

When the BBB tried to apply for these “free” offers, security systems blocked the website entirely.

The BBB warns job seekers to thoroughly investigate companies before applying for employment.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Military Veterans Often Targeted in Certain Scams

11/8/2011

Posted on 11/8/2011 by

Denver, CO – November 8, 2011 – As the nation observes Veteran’s Day, the Better Business Bureau (BBB) warns of scammers who exploit the needs and vulnerabilities of veterans.

“Active military members, veterans and their families are a specific group that con-artists prey on for various reasons,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Veterans’ associations with different official agencies, as well as their compassion for veteran-focused charities make them automatically vulnerable to scams.”

Some of the most common swindles are perpetrated by:

Firms that target veterans and charge them for products and services they can receive free or at lower cost elsewhere, such as military records and forms.
Criminals who contact veterans saying that 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.
Bogus charities with names that reference the Armed Forces and seek donations.
Fraudsters calling themselves veterans’ advocates who try to convince veterans that they can get more benefits by transferring their investments into an irrevocable trust, which often contains unsuitable investments.

Civilians may also be targeted in veteran or military-themed scams during honorary holidays. Last year on Veteran’s Day, a fax similar to the common and infamous Nigerian letters was sent to the BBB’s Denver office. The sender used the guise of, “Corporal Robert Barnes, a US Marine serving in Afghan.” He asked for help in “securing” $11.5 million in cash his unit supposedly discovered in the mansion of a militant ruler during a raid.

The fax asked for personal information and offered 15 percent of the total cash to whoever will helped them once the “mission is accomplished.” The sender left only an email address to be contacted at: robertbarnes@infantrymarine.com. He said once he received a positive response with the initial info requested, further instructions will be given.

Never respond to emails or posts on social media that resemble this or seem suspicious.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

BBB Launches Search App for iPhone, iPad & iPod Touch

11/4/2011

Posted on 11/4/2011 by

Denver, CO – November 4, 2011 – Better Business Bureau (BBB) Business Reviews that consumers already trust for verified information on more than 4 million businesses nationwide is now available in a convenient “app” for the iPhone, iPad and iPod Touch.

Last year, consumers turned to BBB Business Reviews 87 million times to help them find trustworthy businesses and charities. The official BBB Search App, a convenient, mobile BBB solution, is now available for the iPhone, iPad and iPod Touch. The app was approved by the Apple Store and is available as a free download.

“For nearly 100 years, the BBB has been the trusted source for unbiased information on businesses and charities,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “We have an amazing wealth of information to help consumers find trustworthy businesses and to help them avoid those that are not. We are excited to offer this information to consumers on the go.”

BBB Search features include:

Search for local businesses or charities by name, phone, URL, or category type.
Search via current location or specified city, state or zip code.
Display search results in list or map views.
Access previous searches through the history menu.
View the BBB Business Review for every business listing, complete with BBB Rating, contact information, BBB Accreditation status, consumer complaint history, and more.
Save a listed business's information to “Favorites” or an iPhone’s contacts.
Share a business's BBB Business Review URL via email, Twitter or Facebook.
Find a BBB near you.
Read the latest BBB Consumer News.

The official launch of the BBB Search App follows a successful soft launch in June, with additional enhancements and fixes:

BBB Consumer News now includes a "pull down to update" feature.
BBB Business Reviews display a mobile-optimized interface within the app.
The zip code keyboard now supports letters for Canadian postal codes.
If a zip code was set in the search options, that zip code is also used as the default location for the “Find a BBB” search field.
Tapping on “Find a BBB” automatically displays the closest BBB location based on the current zip code setting.
When adding a selected business to your iPhone’s contacts, the business's phone number is now always included.

BBB Search 1.1 is available as a free app download on Apple's iOS App Store for devices running iOS 3.1 or higher. An Internet connection is required.

Consumers who do not have an iPhone can access a mobile version of bbb.org at m.bbb.org. Otherwise, you may check out a business or charity by calling (303) 758-2100 or visiting www.denver.bbb.org.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Alarming Email from StubHub? It's a Scam

10/27/2011

Posted on 10/27/2011 by

Denver, CO – October 27, 2011 – Consumers across the country are reporting that they have received scam emails that appear to be from StubHub, a popular ticket company. The emails try to lure recipients into sharing credit card information by falsely alerting them that they are being charged for expensive tickets to a boxing match in Nevada.

StubHub says this scam has been hitting since 7a.m. this morning, and they have had many consumer complaints. Anyone who has a StubHub account (and even some who don’t) may be at risk.

How the scam works:

The email asks you to login to your StubHub account to confirm the order.
DON’T login. A computer program may steal your password, giving thieves access to your StubHub account where valid credit card info may be stored.
Change your account password if you have an account at StubHub right away. Go directly to the StubHub site to do that, not through the email.
Send a copy of the email you receive to safety@stubhub.com, so StubHub can investigate.

If you are concerned about false credit card charges, go directly to the StubHub website and follow their instructions about how to contact the real business.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information

Don't Get Spooked by Halloween Stores and Websites

10/21/2011

Posted on 10/21/2011 by

Denver, CO – October 21, 2011 – Halloween is the second largest commercial holiday in the nation, second only to Christmas. According to the National Retail Federation, more consumers are expected to celebrate Halloween this year than ever before and spending is estimated to reach $6.86 billion.

The BBB advises consumers to use caution when shopping with seasonal stores and fly-by-night websites for costumes and other merchandise. Complaints about late delivery, poor quality and difficulty obtaining refunds are common at the BBB.

“A costume may look great, but it pays to check into a store’s reputation and consider return policies and shipping schedules before making a purchase,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Otherwise, you could find yourself waiting for your order when it’s too late or stuck with something you can’t return.”

The BBB advises consumers to avoid costume troubles by considering the following:

Complaints. Get the store’s, (whether online or physical) BBB Business Review by visiting www.denver.bbb.org or by calling (303) 758-2100.
Customer satisfaction policy. Determine the company's refund and return policies before you buy. It is best to be able to try on the costume and accessories first and have enough time to return or exchange them if they do not work out.

· How long will the store operate? If you are buying from a seasonal store, ask them whether they will be open after the holiday in case you need to make a return or exchange or come across a billing issue.

Leave nothing to chance. Be sure you have a thorough understanding of everything involved before making an order online. Be clear on the price and any shipping and handling charges. Know the terms of any product or service guarantees. Find out how long it will be before you receive your order. Federal law requires that goods and services be delivered within 30 days, unless a different delivery period is specifically stated by the merchant.
Guard your personal information. Only provide your credit card number online in a secure environment. Look for the prefix “https://” in the URL box which lists the website’s address to be sure that the site you are using is secure.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviews, free reports on charities, and educational information on topics affecting marketplace trust. To further promote trust, the BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

ID Theft Growing and Evolving, How to Protect Yourself

10/19/2011

Posted on 10/19/2011 by

Image credit: Salvatore Vuono

Denver, CO – October 19, 2011 – Over eight million people became victims of identity theft in 2010 according to Javelin Strategy and Research. ID theft is one of the fastest growing crimes in the U.S. and consumers need to be cautious as ever. As October 15-22 is National Protect Your Identity Week, the Better Business Bureau (BBB) is warning consumers on what to look out for and how to protect themselves.

“Identity theft has evolved so much over the last few years,” said Hope Marie Sneed, vice president of development and PR for the BBB Serving Denver/Boulder. “The types of ID theft and the methods used seem to be growing and changing all the time.”

Child identity theft is one of the newer, faster growing types of the crime. Criminals using a child’s social security number and a child’s clean credit report have become more prevalent recently. To protect your child’s identity, it is important to monitor their credit report as soon and as often as possible. Trans Union Credit Bureau offers credit reports on minors. If you are a parent, check your child’s credit report at least once a year and report anything suspicious.

The BBB advises consumers to take the following advice to prevent identity theft:

Do not give any information to someone who unexpectedly calls you posing as a business. Hang up and call the company directly using the phone numbers on your bill or other source.
Protect your social security number. Do not have it printed on your driver’s license, checks or anything that you may lose and someone could find. Do not carry your social security card in your wallet.
Always shred obsolete documents that contain account numbers or any other personal information. Identity thieves often look through trash to find such information.
Regularly check your credit report, bank and credit card accounts for any suspicious activity. If you see something you do not remember or recognize, contact the institution and discuss it with them. If it is fraud, they’ll be able to help you.
Beware of bills in your name for services you did not receive. Investigate something like this – it could be a sign of ID theft.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

BBB Awards Three Exceptional Local Organizations

10/14/2011

Posted on 10/14/2011 by

Denver, CO – October 14, 2011 – Today, at the Hyatt Regency Convention Center Hotel in Denver, the BBB Serving Denver/Boulder announced the winners of its ninth annual Torch Awards for Marketplace Trust.

Each organization went through a meticulous application process to illustrate its commitment to ethics and community leadership. The winners were each closely evaluated and chosen by an independent panel of judges. The judges looked at each applicant’s ethical standards and practices, long-standing reputation, marketing, advertising, management practices and training programs through an “above-and-beyond” microscope.

The nonprofit category winner is Warren Village Inc. This Denver-based organization was established as a federally subsidized transitional housing program for single-parent families. They have helped thousands of single-parent families move towards self-sufficiency through the development of life skills, increased income and improved job skills. “We are very, very humbled,” said Sharon Knight, president and CEO upon accepting the award.

The small business category winner is AMA Construction, Inc. Based in Wheat Ridge, this company specializes in office buildings, retail centers, financial institutions, tenant improvements and remodeling projects. AMA’s philosophy holds that the relationships and partnerships established along the way are what define success. The company’s president, Eero Allison said in his acceptance speech, “When it comes to integrity and trust, which this award represents, we definitely are not here by accident.”

The large business category winner is Champion Windows, Siding and Patio Rooms. Located in Denver, Champion is a manufacturer, distributor, installer and wholesaler of high performance home improvement products. Champion began in 1953 in Cincinnati, Ohio as a small manufacturer of aluminum storm windows. “The BBB sets the bar high,” said Paul Bonow, division manager when describing and accepting the award. “What a tremendous honor.”

These organizations were honored with the Torch Award at a luncheon ceremony in front of an audience of approximately 350 fellow business and nonprofit colleagues.

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About BBB
The BBB is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Attorney General Seeks to Take Down Magazine Ring

10/10/2011

Posted on 10/10/2011 by

Denver, CO – October 10, 2011 – Magazine sellers have always been a subject of Better Business Bureau complaints and the industry has come under fire with the Colorado Attorney General. The majority of local companies in the magazine industry have F ratings with the BBB (sixty-nine percent) and Attorney General John Suthers recently announced that his office is suing several of them for deceptive trade practices.

According to the Attorney General’s complaint, the defendants are an extended family who, under the guise of multiple corporate names, deceive consumers into purchasing duplicative and expensive magazine subscriptions.

“There is strong evidence that these companies and individuals preyed on the elderly and consumers with cognitive disabilities — society’s most vulnerable,” Suthers said.

The magazine companies being sued all operate as telemarketers. The office of the Attorney General’s announcement states that per its complaint, these telemarketers contacted consumers who already had subscriptions and pretend to be the company providing them magazines. The defendants are suspected of obtaining consumers’ credit-card numbers under false pretenses and offering to lower consumers’ subscription payments, when they actually were trying to sign up consumers for new magazine subscriptions costing up to $1,298. The defendants also are suspected of sharing consumers’ financial information amongst themselves to sign consumers up for magazine subscriptions they had not willingly purchased.

“Operations like the ones described in the Attorney General’s lawsuit are a serious problem in our community,” said Hope Marie Sneed, vice president of development and public relations for the BBB Serving Denver Boulder. “We hope that this action causes more consumers to be vigilant and use extreme caution before giving their credit card number to any telemarketer.”

In the last three years, the BBB Serving Denver/Boulder has received over 3,000 complaints on companies in the magazine industry.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Better Business Bureau Foundation Gives $16,000 to Students

10/6/2011

Posted on 10/6/2011 by

Denver, CO – October 5, 2011 – At this year’s ninth annual BBB Torch Awards for Marketplace Trust, three students will be honored for exhibiting exceptional integrity and leadership qualities. The BBB Foundation’s $10,000 Student of Integrity Scholarship is awarded each year to an economically disadvantaged student and provides them with an opportunity to continue their education beyond high school and become a future leader in Colorado’s workforce. Additional scholarships are awarded when further funds are raised.

Teague Harrison of Manual High School in Denver won this year’s $10,000 Student of Integrity Scholarship. She impressed the panel of independent judges with her application including a compelling essay about being a passionate character builder, as well as with her personality during the interview process.

Additional scholarships were awarded this year thanks to the generosity of organizations like American Furniture Warehouse, other sponsors and BBB Accredited Businesses.

Joseph M. Soto of Aurora Central High School won a $5,000 scholarship. Briana Johnson of Gateway High School in Aurora won a $1,000 scholarship.

Donors are able to contribute to the scholarship fund during the Torch Awards luncheon and Jake Jabs of American Furniture has again offered to match donations. Thanks to the philanthropy of attendees and all donors, the BBB Foundation will be able to continue to assist Colorado’s future leaders. Visit http://denver.bbb.org/torch for more information and/or to purchase tickets to the luncheon.

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About BBB
The BBB is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Six Students Named as Finalists for BBB Student of Integrity Scholarship

9/29/2011

Posted on 9/29/2011 by

Denver, CO – September 29, 2011 – One aspect of bettering the community is to brighten the future of our youth and help pave a path for their success. With the generous support of BBB Accredited businesses and charities, every year at the BBB Torch Award ceremony, the BBB Foundation is able to present a $10,000 scholarship to a very well deserving “student of integrity.”

The BBB Student of Integrity Scholarship is awarded to an economically disadvantaged student who has demonstrated exceptional character, leadership, and ethical values. It provides him or her with the opportunity to continue their education beyond high school and become a future leader in Colorado’s workforce.

Out of the 90 applications received this year, your BBB is pleased to announce the six finalists, (in alphabetical order by last name): Yonas Ambaye of Overland High School, Robert DeMata of Rangeview High School, Hanna Gebregzi of Denver School of Science and Technology, Teague Harrison of Manual High School, Briana Johnson of Gateway High School, and Joseph Soto of Aurora Central High School.

The students each wrote a 400-word essay on how they consider themselves to be passionate character builders and how they motivate their peers. The applications also included letters of recommendation and examples of leadership and community involvement.

The grand prize winner will receive the $10,000 scholarship which will be paid out over four years. The selection committee may also award additional scholarships to first and second runner-ups.

The recipient of the 2011 Student of Integrity Scholarship will be honored at the annual BBB Torch Awards for Marketplace Trust luncheon on October 14. The BBB Foundation accepts donations year-round for the scholarship. To donate, please visit http://denver.bbb.org/scholarship.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Brewery Tour Company Stands Up Sightseers

9/21/2011

Posted on 9/21/2011 by

Denver, CO – September 21, 2011 – A company called Front Range Brew Tours is racking up Better Business Bureau complaints from consumers who say they paid for tour passes to breweries in lower downtown Denver but were stood up by the business.

Complainants state that they purchased passes and either couldn’t ever make a reservation or did make a reservation but when they waited at Union Station to be picked up for the tour, no one ever came. Due to these issues, sightseers say they have tried to contact the company several times for a refund and have been unsuccessful.

Many say they purchased their passes through a Denver Daily Deals promotion. At least one of those complainants was refunded for the passes he bought through Denver Daily Deals but says the ones he bought directly from the company have not been refunded. The business responded to one complaint in July but so far, the other nine that have been filed have not been responded to.

“What is so concerning to the BBB about this company is that they continue to offer and take payments on their website for these tours, while at the same time, consumers continue to complain that no one is showing up to provide this service,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder.

Front Range Brew Tours’ own Facebook page contains posts from angry customers.

The BBB has requested a meeting with this business to discuss its pattern of complaints. The company has currently earned itself an F rating with the BBB.

Consumers making purchases online are encouraged to research companies very carefully before making any decisions. Your research should include checking with the BBB by visiting www.denver.bbb.org or by calling (303) 758-2100.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Consumers Warned to Steer Clear of Auto Repair Scams

9/15/2011

Posted on 9/15/2011 by

Denver, CO – September 15, 2011 –The Better Business Bureau (BBB) warns that it is important for consumers to be on the lookout for scams like overcharging on repairs, charging for labor that was never performed, and performing shoddy work. In 2010, BBBs across the country received a whopping 12,682 complaints against auto repair mechanics. In this year alone, BBBs nationwide have already received nearly 11,000 complaints.

“Many times consumers realize that they have been ripped off, but they don’t have any way of proving it,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “It’s extremely important to get all estimates for parts and labor in writing first before authorizing anything.”

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

Get a least three referrals. If you are looking for a qualified mechanic, ask friends, family and co-workers for recommendations. Be sure to check the business with the BBB at www.denver.bbb.org. Verify displayed certifications. For major work, such as brakes, transmission or engine repair, you need to find a shop employing a specialist.

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

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

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

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

BBB Announces 2011 Torch Award Finalists

9/9/2011

Posted on 9/9/2011 by

Denver, CO – September 9, 2011 – Every year since 2003, the Better Business Bureau Serving Denver/Boulder has been recognizing ethical organizations in the community with its Torch Award for Marketplace Trust. Starting in 2009, the award has been presented to not just one business but to a small business, a large business and a nonprofit. This expansion continues into 2011 as the BBB announces the current finalists for the award in each category:

Small Business Category:

1. AMA Construction, Inc.

2. Jim Black Construction, Inc.

3. Life’s Sweet, Inc.

Large Business Category:

1. Champion Windows, Siding & Patio Rooms

2. Omni Financial Services

3. Two Men and a Truck, Inc.

Nonprofit Category:

1. Community Credit Counseling Services

2. Mile High United Way

3. Warren Village, Inc.

To compete, the organization must submit an extensive application that demonstrates their commitment to ethics and excellence in their approach to customers/donors, the community, their employees and their advertising and marketing methods. The finalists and winners are selected by a voluntary group of fellow business and nonprofit leaders.

For more information and to register for the event, please visit http://denver.bbb.org/torch.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Online Gun Dealer Leaves Customers Smoking Mad

9/7/2011

Posted on 9/7/2011 by

Denver, CO – September 7, 2011 – A local online gun dealer has received a concerning rash of Better Business Bureau complaints. The company is called, R.A.R. Guns and appears to be operating out of a home in Castle Rock. Complaints to the BBB Serving Denver/Boulder began to increase in July and August and allege that the company is not delivering guns ordered, not corresponding, and not providing refunds.

Consumers from 10 different states, including one from Colorado, have contacted the BBB eager for help in trying to get their money back from R.A.R. Guns. According to complaints, consumers have spent anywhere from $715 to over $2400 on custom-made guns that have not been delivered.

The company’s website states, “due to extremely high demand, most orders take between 30 and 90 days. We don't build stock, run of the mill Ar 15s, so they do take some time to build.” But BBB complainants allege they have been waiting much longer than 90 days to receive their product and most simply want a refund at this point.

The company has not responded to any complaints filed with the BBB so far and has an F rating.

R.A.R. guns also claims on its website that it has built rifles for the “ARMY Special Forces, Marines, US Navy SEALS, ICE, FBI and multiple law enforcement agencies around the country.” Based on BBB Code of Advertising guidelines, the BBB requested the company to substantiate or modify this claim. R.A.R. Guns did not provide any proof for the claim or make any modifications.

The BBB reminds consumers to make note of the following when it comes to shopping online, especially for high-dollar items:

Only make purchases on secure and trusted websites. Check out companies with your BBB first at www.denver.bbb.org or call (303) 758-2100.
Understand and agree to the company’s refund and return policies before making a purchase.
Keep your computer’s security measures up to date to prevent hacking.
Dispute any unauthorized charges with your credit card company or bank immediately once the problem has been detected.
Meticulously check financial statements regularly for any suspicious charges.
Dispute issues with the BBB and/or the Internet Crime Complaint Center at www.ic3.gov.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Some 9/11 Charities Not Trustworthy, Donate With Caution

9/1/2011

Posted on 9/1/2011 by

Denver, CO – September 1, 2011 – As the ten-year anniversary of 9/11 approaches, many are compelled to give to charities that appear to focus on helping those connected to the tragedy and other related causes. The Better Business Bureau (BBB) warns that while nonprofits may be launching and promoting 9/11 fundraisers, some may not be trustworthy and must be carefully researched.

A recent investigation conducted by the Associated Press indicates that since the attacks, a few 9/11 charities have failed miserably in serving their purposes. According to the AP investigation, most organizations were reputable but some spent donations on themselves, could not account for the money they received, have few results to show for their spending and have yet to file required income tax returns.

The Better Business Bureau reviews local and national charities against several standards, many of which focus on how funds are raised and spent.

“9/11’s ten-year anniversary is sure to evoke emotions, memories and of course, philanthropy. It could also, unfortunately, serve as a platform for scammers and those who conduct irresponsible fundraising,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “This is why it’s vital for donors to understand what organizations are actually doing and research them as thoroughly as possible before giving.”

Whether an actual charity or someone posing as a charity solicits you, the BBB advises donors to take the following steps to ensure their donation ends up helping the cause instead of lining someone’s pocket:

· First, check out the charity before donating. Get all of their information, name, address, phone number, etc. and contact the BBB. See if a report exists by visiting http://denver.bbb.org/charity or by calling (303) 758-2100.

· Do not ever pay with cash and be wary of charities that want to send a courier or use an overnight delivery service to pick up your donation. Do not ever pay via wire transfer. Requests for wire transfers are always a huge red flag in any scam.

· Do not give donations over the phone. You cannot easily verify who is on the other end. Either donate to the organization in person, by mail only sending to a verified and trusted address or on the charity’s secure and trusted Web site.

· Beware of charities that use names or similar sounding names of well-known and trusted organizations. Always verify they are who they say they are. For instance, if they say they are with the Red Cross, ask which chapter and call directly to verify the solicitor before donating.

· Refuse high-pressure appeals. If the organization is legitimate, they will still need your donation tomorrow or whenever you are ready to give.

· Know the difference between ‘tax exempt’ and ‘tax deductable’. Tax exempt means the organization does not have to pay taxes. Tax deductable means you may be able to deduct your contribution on your federal income tax return. If deductibility is important to you, make sure you are clear on whether or not it is possible; never assume.

· Make sure the organization has all proper registration and licensing if applicable. All charitable organizations soliciting contributions in Colorado -- with a few specific exceptions listed in the Charitable Solicitations Act -- must have a registration statement with the Colorado Secretary of State.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

BBB Offers Annual Scholarship to Exceptional Student

8/26/2011

Posted on 8/26/2011 by

Denver, CO – August 26, 2011 – Since 2006, the Better Business Bureau Serving Denver/Boulder has offered a scholarship program to help deserving Colorado high school students attend college. Each year, the BBB awards one high school senior with a four-year, $10,000 scholarship ($2,500 distributed each academic year) to attend the Colorado college or university of their choice.

An eligible student must be a legal resident of Colorado and must maintain a 2.5 or better grade point average. Students must show evidence of economic need, leadership and community involvement.

“College was once an unattainable dream for me; with the help of the BBB my dream has become a reality. I am now living my dream and taking full advantage of the opportunity given to me,” said Rhesa Melvin, a Colorado State University graduate who won the first BBB Student of Integrity Scholarship in 2006.

The objective of this program is to provide an economically disadvantaged student who has demonstrated character and ethical values with the opportunity to continue his/her education beyond high school in Colorado.

In addition, this scholarship is intended to create long-term ties with future Colorado business leaders who will promote ethics in the marketplace as they pursue their careers.

The deadline to apply for this year’s scholarship is September 22.

The recipient of the 2011 Student of Integrity Scholarship will be honored at the annual BBB Torch Awards for Marketplace Trust luncheon on October 14. For more information, or to apply for or sponsor the Student of Integrity Scholarship, please visit http://denver.bbb.org/2011scholarship.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Yellow Pages Scam Uncovered by FTC

8/18/2011

Posted on 8/18/2011 by

Denver, CO – August 18, 2011 – In October 2010, the Better Business Bureau (BBB) warned about an entity that appeared to be trying to scam local businesses by sending unsolicited faxes that deceived them into paying for Yellow Pages listings. The entity went by the names Yellow Pages B.V., Yellow Publishing Ltd and YellowPage-Colorado.com.

The Federal Trade Commission (FTC) has uncovered the individual and operations behind this scheme and is putting a stop to it.

According to a recent FTC announcement, a federal judge has temporarily halted the European-based operation that has allegedly bilked small businesses and nonprofit organizations, including churches, out of millions of dollars by deceiving them into ordering and then paying for unwanted listings in online business directories. In addition to stopping the allegedly deceptive practices, the court also froze the defendants’ assets. The FTC seeks to permanently stop the illegal practices and to require that the defendants provide refunds to their victims.

Last year, a Denver flooring company was a target of this scam when it was contacted by Yellow Pages B.V. via fax and asked to update a few search words and key industry phrases to, “help people locate your company.” The form, which required a signature and date turned out to be a contract for two years of advertising. The company referred to the form’s fine print which was illegible due to poor fax quality.

About a month and a half later, the company received an invoice for $1,068 with a late fee of $20.

This scenario echoes what other businesses around the world claim to have experienced as well as the FTC’s complaint. Yellow Pages B.V. has an F rating with the BBB with over 500 complaints on file, many of which have gone unanswered or unresolved.

The BBB offers the following tips for businesses dealing with Yellow Page solicitations:

Look closely at any Yellow Pages bill before paying it. If you have a question about the legitimacy of a bill, contact your Yellow Pages representative.
Channel all invoices through one department and make sure they are cleared with the appropriate executives before they are paid.
While it is not always the case, bogus invoices often are marked with the notice “This is Not a Bill.” They may lack a contact phone number.
If you suspect you have received a call, fax or mailing from a bogus Yellow Pages entity, contact the U.S. Postal Inspection Service, the Federal Trade Commission, the BBB, and/or the Yellow Pages Association at 1-800-841-0639.
Check the BBB Business Review on any company that has contacted you before signing anything or giving any information. Visit www.denver.bbb.org or call 303-758-2100.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Shield Yourself from a Cell Phone Radiation Scam

8/17/2011

Posted on 8/17/2011 by

Denver, CO – August 17, 2011 – Scammers are always looking to make a quick buck, and with consumers concerned about harmful exposure to cell phone emissions, many are promoting “shields” that claim to protect against cancer causing waves. The Better Business Bureau (BBB), along with the Federal Trade Commission (FTC) are warning consumers to be on the lookout for these so-called “shields” and advise turning to free options to limit exposure to cell phone electromagnetic emissions.

Like many other too-good-to-be-true products, there is no scientific proof that these shields are actually effective. The FTC even notes that these so-called “shields” may even interfere with your cell phone’s reception.

The BBB and FTC advise consumers to consider these free options for limiting cell phone electromagnetic emissions:

Go hands free. When chatting on the phone for long periods of time consider using a hands-free device, like an earpiece, or using the speakerphone feature. For the short conversations, you may even want to consider just texting the message, which allows for a quick response and keeps the phone away from your head.

Wait for a good signal. When you have a weak signal, your phone works harder, emitting more radiation. Phones also give off more radiation when transmitting than when receiving, so tilt the phone away from your head when you’re talking, and bring it back to your ear when you’re listening.

Shop around. When looking for a new cell phone, consider investing in one that has a low specific absorption rate (SAR) before you buy. Measured in watts per kilogram of tissue, the SAR reveals how much radiation the body absorbs while using the mobile device. The FCC has record of this information for phones that were made in the last two years. You can find the FCC ID number on the inside of your cell phone’s case. Legally, in the US, a phone can’t emit more than 1.6 watts per kilogram.

For more consumer tips you can trust, visit www.denver.bbb.org and for more tips specific to cell phone emission, visit www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt109.shtm

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About BBB
The BBB is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviews and BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

August 10th Marks Local BBB's 60th Anniversary

8/9/2011

Posted on 8/9/2011 by

Denver, CO – August 9, 2011 – All year long the Better Business Bureau Serving Denver/ Boulder (BBB) has been celebrating its 60^th anniversary. The nonprofit organization has existed nationally since 1912, but August 10, 1951 marks the day that Denver finally had a Better Business Bureau to serve its residents and local businesses.

The Denver location was officially launched with the help of a committee designed by the Denver Chamber of Commerce. At this time, Denver was the only city of its size without a BBB.

For the past sixty years, the BBB’s services to the public have continued to grow and diversify to meet the needs of local communities. The BBB has survived many difficult eras and obstacles and credits its longevity to loyal public support and its timeless mission to lead the way in advancing marketplace trust.

“Our lasting presence is due to the business and nonprofit sectors that embody our mission and support our organization, and to the consumer sector that has consistently turned to us for free advice and help,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder.

The local BBB’s original office was located at 1632 Welton St where the Silver State Building once stood. In its first year, it staffed ten full-time employees and was supported by over 500 local businesses. The organization now staffs 43 full-time employees and is supported by over 7,000 local businesses and charities.

Technology has been a key factor in the evolution of BBB services to the public. It is able to provide more free information on businesses and charities than ever before due to the advancement of its presence online. This has also enabled the BBB to carry out dispute resolution services, investigations, local advertising reviews and charity reviews more efficiently than ever before.

The BBB Serving Denver/Boulder was one of the first BBBs in the nation to offer its complete range of public services in Spanish.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Avoid Investment Scams During Volatile Economic Times

8/8/2011

Posted on 8/8/2011 by

Denver, CO – August 8, 2011 – As global markets are currently seeing rapid declines, worried investors are seeking safe havens for their funds. Because the United States has never in history had its credit rating downgraded, many do not know what to expect. What should be expected, however, are investment-related propositions that may not be so trustworthy.

Investment scams always exist but in times of economic uncertainty and fear, they tend to increase because scammers know that investors are looking for ways to secure their funds.

The Better Business Bureau (BBB) advises investors to take note of the following red flags in any investment pitch. Beware of any company that:

· Contacts you unsolicited. Be suspicious of any unexpected emails, phone calls or letters in the mail from investment firms urging you to respond.

· Requires a large upfront investment. One of the most common complaints the BBB receives about investment opportunities from consumers is paying fees and not receiving the promised income. Many times, potential investors pay in advance but are unable to reach the company when concerns arise.

· Promises high returns for low risk. Every investment comes with a level of risk. If the seminar offers an investment plan claiming large returns with little or no risk, beware, even if it comes with the promise of a money-back guarantee. If it sounds too good to be true, it probably is.

· Uses high pressure sales tactics. Seminar leaders often try to get investors to sign up immediately. They may claim there are only a few spots left or that investors need to get in on the ground floor today to see the largest earnings. A reputable company will let investors take their time to do research before buying in.

· Relies on off-shore investments. Many questionable seminar pitches try to give their scheme an air of sophistication by pushing overseas investments such as foreign currency, property, stocks and bonds. They may also incorrectly claim investors can avoid taxes by investing overseas.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Electronics Vulnerable to Theft on School Campuses

8/4/2011

Posted on 8/4/2011 by

Denver, CO – August 4, 2011 – As students across the state are on their way back to school, many of them will carry cell phones, iPads, iPods, laptops and other electronic devices everywhere from the classroom to the car. The Better Business Bureau (BBB) reminds students and their parents to talk about ways to keep electronics and personal information out of the wrong hands.

College campuses, cafeterias, local hang outs and even classrooms can be an easy target for those looking to steal expensive electronic devices. Not only can thieves steal your personal property, they could gain access to sensitive information which can lead to identity theft.

A recent article reveals that students have a false sense of security at school and often leave their items vulnerable to theft. A student at Columbia where a thief was arrested in April for stealing a laptop from the university’s Butler Library said, ““I feel way too safe in Butler. I leave my stuff there all the time.”

Feeling safe to leave your devices out in the open is exactly what thieves bank on.

“These electronics should be treated like cash. The costs of losing property like this can be extremely significant, especially if personal information is accessed,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder.

BBB offers the following advice to students and parents on how to keep personal property and sensitive information safe at school:

Use password protections. Even if a thief steals your electronic device, having password protections could limit their access to your personal information. Avoid sharing passwords with friends or carrying them around on paper.

Keep it off the floor. No matter where you are in public — a large study hall in school, a conference, a coffee shop, or a registration desk — avoid putting your electronics on the floor. If you must put it down, place it between your feet or at least up against your leg, so that you’re aware of it.

Get it out of the car. Don’t leave your electronics in the car — not on the seat, not in the trunk. Parked cars are a favorite target of thieves; don’t help them by leaving your property unattended.

Don’t leave it “for just a minute.” Your classmates seem trustworthy, so you’re comfortable leaving your electronics on the table while you go outside for a break. The people at the coffee shop seem nice, so you ask them to keep an eye out while you use the restroom. Don’t leave your laptop, iPad or other tablets unguarded — even for a minute.

Use bells and whistles. Depending on your security needs, an alarm can be a useful tool. Some laptop alarms sound when there’s unexpected motion, or when the computer moves outside a specified range around you. Or consider a kind of “lo-jack” for your laptop: a program that reports the location of your stolen laptop once it’s connected to the Internet.

Leave it at home. In some cases, school districts may have strict policies about students bringing electronic devices to campus. Be sure to find out what is allowed while on campus and in the classroom. Also, determine if you really need your electronics during school hours or if they can wait until you get home.

For more consumer tips and news you can trust, visit BBB’s news center at www.denver.bbb.org.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Scam Uses BBB Complaint System to Rip Off Consumers

8/2/2011

Posted on 8/2/2011 by

Denver, CO – August 2, 2011 – The Better Business Bureau (BBB) cautions consumers to beware of a Web site that is charging high fees for BBB dispute resolution services, which are free to the public. OnlineBusinessScams.com claims to offer consumers a way to recover lost funds from work-at-home companies and business opportunities.

Consumers allege that onlinebusinessscams.com charges an upfront fee, usually a percentage of the total amount of funds being sought for a refund and can range from $1,500 to $18,000. According to information in BBB files, this fee includes the filing of forms otherwise available to consumers from government agencies and the BBB.

According to at least one complaint, OnlineBusinessScams.com did not provide any real assistance and will not respond to requests for a refund of the upfront fee.

The Web site appears to be operating out of Phoenix and the BBB serving this area has also tried to contact OnlineBusinessScams.com to no avail. The company currently has an F rating with the BBB. While only one formal complaint is currently being reported, the BBB in the Phoenix area has been contacted about this scam by consumers in 20 different states, including one in Colorado.

“BBB services to the public are free of charge and consumers never have to pay a third party in order to receive help or information from our organization,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder.

For free tips and information businesses and charities or for free dispute resolution services, please visit www.denver.bbb.org.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Former Business Owners Banned from Debt Relief Industry

7/28/2011

Posted on 7/28/2011 by

Denver, CO – July 28, 2011 – The principals of the defunct company, Real Talk Radio Network have been permanently barred from selling, marketing or advertising any debt-relief services according to an announcement made July 28 by the Colorado Attorney General. The announcement also specifies that as part of the settlement, Real Talk Radio has agreed to pay the state $226,414, including $200,000 in consumer restitution.

Since 2009, the Better Business Bureau Serving Denver/Boulder received 160 complaints about the business. Since 2010, the company’s BBB Business Review has said that they are out of business but the BBB has continued to receive complaints from consumers in regards to being sent to collections by the company.

The settlement concludes a 2010 lawsuit filed by the Colorado Attorney General in which the company was alleged to have made false promises and engaged in deceptive practices that implied they could help consumers get out of debt and pay off their mortgages in less than 10 years. These practices took place on the company’s radio infomercials and at their seminars in Westminster.

Those looking for help with debt, are advised by the BBB to:

· Get a copy of your credit report to make sure there isn’t anything on it that is fraudulent and that whatever is on it is accurate. By law, you are entitled to one free credit report every year. Contact the FTC: www.ftc.gov/877 987-3728.

· Prioritize debt repayments. Not all of your debt obligations carry equal weight. Start with the most expensive revolving types of credit.

· Ask your creditors to reduce interest rates. It doesn't hurt to contact your creditors to request an interest rate reduction or a new payment schedule.

· Contact a credit counseling agency, if your efforts are not successful. You can seek professional guidance from a non-profit credit counseling agency. Visit www.denver.bbb.org or call 303.758.2100 to find a reputable organization to work with.

Also, avoid companies that:

· Do not tell you your legal rights and what you can do – legally – for free.

· Recommend you do not contact a credit bureau directly.

· Want you to pay before any services are provided.

· Advise you to dispute all information in your credit report.

· Tell you to stop making payments.

· Take any action that seems illegal, such as creating a new credit identity by obtaining a federal employer ID number instead of a social security number.

· Offer to let you “piggyback” on another consumer’s or business’ good credit.

· Promise to erase bad credit and/or makes any other promises that sound too good to be true.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

BBB Name Being Used in Foreign Sweepstakes

7/27/2011

Posted on 7/27/2011 by

Denver, CO – July 27, 2011 – Illegal foreign sweepstakes are extremely common and recently the Better Business Bureau Serving Denver/Boulder (BBB) has received several calls from people targeted in such scams. Recent callers have stated that the scammer who called was representing themselves as being with the BBB.

These scams often originate out of Jamaica as the phone numbers being called from start with a Jamaican area code, 876. Those who have reported this swindle to the BBB state that the scammer says that are calling on behalf of the BBB and that the target has won millions in prizes. The scammer then instructs them to send anywhere from $250 to $350 to cover taxes or fees and as soon as that is received, the winnings will be wired to them. Others have also been asked to mail fees or let the caller send a courier to pick up the fees.

“It is illegal for anyone to require any fees or purchases in order to claim a sweepstakes prize. And the BBB is a nonprofit organization that never holds any such sweepstakes,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “Anyone who says the BBB is offering millions in prize money are scammers.”

If you receive such calls or anything similar, get as much information as possible from the scammer then hang up and report it the BBB and the U.S. Postal Inspector. Do not give any of your personal information to the caller.

Better Business Bureau: (303) 758-2100 / www.denver.bbb.org/scam-source

U.S. Postal Inspector: (877) 876-2455 / http://www.usps.com/postalinspectors

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Current News Stories Causing Scams on Facebook

7/26/2011

Posted on 7/26/2011 by

Denver, CO – July 26, 2011 – In light of the bombing and shootings in Norway, it’s hard to believe that scammers would take advantage of such a tragic situation. But that’s just what’s happening on Facebook, where a bogus post claims to link you to a video from an Oslo security camera showing the detonation of a car bomb near a Norwegian government building in which at least 10 people were killed.

The truth is there was no security camera that captured such a video known of at this time. The BBB advises that if you see the following message on Facebook: “[Video] OSLO Security Camera Captures Blast!” or something similar, do not click on it, delete it from your Facebook feed, and report it to Facebook security. Help Net Security says the scam is infecting one user per second.

There are also reports of non-existent videos of the last moments of the famous and recently deceased singer Amy Winehouse being used on Facebook to lure victims.

According to Sophos, variations of “Leaked Video!! Amy Winehouse On Crack hours before death”; “Video leaked of Amy Winehouse's death!!! Warning: Graphical Content” and “SHOCKING - Amy Winehouse's Final Minutes” messages offer a link to the purported video. Unsurprisingly it takes users to pages where they are asked to like the page and to take a survey before being allowed to see it.

Surveys like these earn scammers a commission for each survey completed by a victim. Links with non-existent videos and pictures are also known to contain malicious viruses designed to hack into your computer.

The BBB advises social media users to be very cautious of any strange posts like this, even if they appear to be from friends or people you trust.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Gold Sellers Beware of Rip-Offs as Value Rises

7/21/2011

Posted on 7/21/2011 by

Denver, CO – July 21, 2011 – In response to fears over the nation’s debt problem, the price of gold broke yet another record recently (over $1600 per ounce). The price has already started to fluctuate but the value of gold has been on the rise since 2009. This has caused much interest in selling gold for extra cash and investing in gold.

“A lot of the same rules apply to buyers and sellers of gold: check out companies before you buy from or sell to, and get several written appraisals so you have certainty on the gold’s true value,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder.

The BBB offers the following tips to those interested in selling their gold:

For an appraisal, go to someone locally whom you know and trust. Get their BBB Business Review first by visiting www.denver.bbb.org or call (303) 758-2100. Your BBB suggests obtaining two or three written appraisals to compare prices, prior to any sale.
Know the current gold worth as it fluctuates.
Try to sell your gold locally. This way you don’t have to worry about shipping items, having them lost, dealing with a fly-by-night online company, etc.
Ask: can you get your product back if you change your mind and return the check? (Many companies melt down the items in 10 – 14 days.)
Be knowledgably about gold. 14-Karat gold is composed of just 58.5 percent gold. Ask how much the company’s going rate is for each ounce of each karat you are selling.
Don't let anyone steal your diamonds from gold pieces. Single gold stud earrings might be worth $5 or $10, yet diamonds in the earrings can be saved. Some are too small, and the labor to remove them might exceed their value, but engagement ring diamonds, for example, should be given a value separate from the gold.

If you do go with an online company where you will be mailing your gold:

Make sure your items are insured when being shipped, so if they are lost you can recover the value.
Obtain appraisals prior to mailing items, so if they are lost you have proof of their value.
Check the company’s policy as to what they will reimburse if they lose your product. Many limit their liability.
Make a list of the items included in the package, keep a copy for yourself, and put a copy in the envelope.
Take a picture of the items you are sending, including any identifying marks.
If you send the check back, mail it certified and stamped, “return receipt requested,” so you have proof when it arrived at the company.
If the company says they are bonded and insured, request that this be verified in writing.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Warning to Storm Victims: Beware of Shady Contractors

7/14/2011

Posted on 7/14/2011 by

Denver, CO – July 14, 2011 – In 2010, the number of complaints to the BBB Serving Denver/Boulder against roofers rose over 400% from the prior year. As the storm season is in full force, the BBB is warning consumers to not fall victim to this problematic industry. In just the last two months, the BBB has received over 100 complaints against roofers.

Victims of recent storms are urged to choose hire contractors with much caution and avoid storm-chasers who are known for taking large down payments and doing poor or incomplete work – or never starting work at all. Many of these unscrupulous contactors are known for soliciting jobs door-to-door and then are nowhere to be found once they’ve been paid.

The BBB advises that storm chasers are not just roofing contractors, however. Use caution in dealing with landscapers, siding contractors, tree service companies, window contractors and auto body repair companies.

“If anyone comes to your door offering to begin work on damage, do not act in haste, no matter how good of a deal they may offer and no matter what scare tactics they may try to use”, says Dale Mingilton, President and CEO of your BBB serving Denver/Boulder. “Simply take their information and tell them that you will follow up if you are interested in using them for repairs. Then contact your insurance company directly to have them come out and assess the damage.”

If your property has been damaged by any of the recent weather, follow the BBB’s top-10 checklist for hiring a contractor:

1. Track Record. Check out the company’s BBB Business Review at www.denver.bbb.org. It’s fast, easy and free. You can also call the BBB at (303) 758-2100.

2. Cost Comparisons. Get at least three bids in writing and be sure you compare the bids based on the same warranty, specifications, labor and time.

3. Licensing. Check to see if the company you plan to hire has proper licensing. No state license is required for general contracting but licensing may be required on a city or county level.

4. Insurance. Verify that the company has liability insurance to protect you against damage.

5. References. Ask for references from the company’s last three jobs and check them out before you sign a contract. Using extra caution with those who are going door-to-door in your neighborhood, or are putting flyers in mailboxes and claiming to be doing work with your neighbors.

6. Written Contract. Do not permit work to start without a signed, written contract that includes start and completion dates, exact costs, specific work to be done, and warranty information. Be sure to read the fine print carefully.

7. Deposit Required and Payment. Do not pay large payments up front. Stagger your payments according to work stages and do not make a final payment until the job is completed. Do not pay in cash; pay by check or credit card.

8. Building Permits. Obtain applicable building permits for the work to be done. Unpermitted work can void insurance coverage and violate local Zoning and Building Codes. Contact your local city and county building department for more information.

9. Bonding. Be sure all workers are bonded to protect you against theft and damage.

10. Criminal History. Check out anyone you allow onto your property to see if they have a criminal history.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Consumers Hit With Mysterious Charges from Online Store

7/13/2011

Posted on 7/13/2011 by

Denver, CO – July 13, 2011 – An online business that appears to sell recreational products has been the subject of a recent rash of complaints to the Better Business Bureau Serving Denver/Boulder. The Web site is http://rushaction.co – (not .com but .co).

Complaints to the BBB allege that the company is charging the consumer without authorization and the consumer never ordered anything from the company. According to the complaints, charges range from $8.40 to $9.90.

Rushaction.co was using a local, 303-area code phone number but it has since been disconnected. They are now using a 719-area code phone number and a representative from the company told the BBB they are located in Fountain, Colorado but refused to give the BBB its actual address. The representative spoke in a foreign accent and also indicated to the BBB that they will not respond to complaints that have been filed.

“Because the charges consumers are incurring are so low, it’s reasonable to suspect that this operation is hitting a large volume of people but trying to fly under the radar,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “We are skeptical that they are actually operating in Colorado and it is especially concerning that they are choosing not to respond to BBB complaints.”

This company first came to the BBB’s attention in the beginning of June when the first complaint was filed. Since then, the company has received a total of eight complaints – all alleging the same billing issue. Emails to the company have also been returned as undeliverable. The company currently has an F rating with the BBB.

The BBB offers the following advice to online shoppers:

Meticulously check financial statements regularly for any suspicious charges.
Only make purchases on secure and trusted Web sites. Check with your BBB first at www.denver.bbb.org or call (303) 758-2100.
Keep your computer’s security measures up to date to prevent hacking.
Dispute any unauthorized charges – no matter how insignificant – with your credit card company or bank immediately once noticed.
Report the incident to the Internet Crime Complaint Center at www.ic3.gov.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Watson Memorial Closes Doors, Gets BBB Complaints

7/11/2011

Posted on 7/11/2011 by

Denver, CO – July 11, 2011 – Another local business has abruptly ceased operation and left customers with nothing but questions. Watson Memorial Company, based in Denver appears to have closed its doors while many of its customers are still waiting for their loved ones’ headstones to be installed.

The Better Business Bureau Serving Denver/Boulder (BBB) has received four complaints against the company in less than two weeks – all alleging that deposits have been paid to Watson Memorial for undelivered grave markers. All complainants state that they are now unable to contact the business.

“When someone trusts a company with something as important as a loved one’s eternal monument, disconnected phone numbers and locked doors are especially upsetting and concerning to those customers,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “We hope that despite their obvious troubles, Watson Memorial will be able to find a way to resolve these issues in a reasonable and fair manner.”

At this time, no final decisions appear to have been made regarding the future of the business and consumers are advised to continue to check the company’s BBB Business Review for updates regarding any actions, legal or otherwise, made regarding this business.

If you were a customer of Watson Memorial and have an unresolved dispute, you may still file a formal complaint against the company at this time with the BBB at www.denver.bbb.org. The BBB will continue to try to help the company and its consumers resolve disputes unless, or until it formally closes and the BBB has no way to facilitate dispute resolution.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Shut the Door on Shady Magazine Sellers This Summer

6/28/2011

Posted on 6/28/2011 by

Denver, CO – June 28, 2011 – Better Business Bureaus across the country receive thousands of complaints each year from consumers who have unknowingly purchased multi-year magazine subscriptions. Unscrupulous telemarketers sometimes trick consumers into paying hundreds of dollars for multi-year subscriptions to magazines they don't want or can't afford. The BBB warns that deceptive door-to-door magazine sales crews are hitting the pavement and looking to earn a quick buck this summer.

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

“Most complaints against door knockers selling magazine subscriptions allege that sales representatives took payment and the magazines never arrived, some allege being subjected to high-pressure and misleading sales tactics and many allege that the company won’t cancel their subscription even after multiple requests,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder.

This summer, the BBB recommends the following on how to handle door-to-door magazine sellers:

Verify the individual and the company. If you are interested in buying from a door-to-door seller, get everything in writing including the price(s) and all conditions. Tell the salesperson you will check it out and get back to him or her – do not make a decision on the spot. Ask for a business card and contact information. Look the company up yourself and check to verify this person is an employee. Also, take the time to check out the company’s BBB Business Review at www.denver.bbb.org.

Know your rights. The Federal Trade Commission’s Three-Day Cooling-Off Rule gives the customer three days to cancel purchases over $25 that are made in their home or at a location that is not the seller’s permanent place of business. Along with a receipt, salespeople should also include a completed cancellation form that customers can send to the company to cancel the agreement. By law, the company must give customers a refund within 10 days of receiving the cancellation notice.

Compare prices. Many third-party magazine subscription companies charge much higher than the actual publisher may charge. Check other prices for subscriptions to the same magazine to ensure you aren’t being overcharged.

Victims of fraudulent magazine sales can file a complaint with their Better Business Bureau at www.denver.bbb.org, local law enforcement, and state Attorney General offices.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Beware of Stars and Stripes Sweepstakes Scam

6/21/2011

Posted on 6/21/2011 by

According to Stripes.com, an independent news source for the military community, scammers appear to be targeting veterans and military families claiming they have won a sweepstakes from Stars and Stripes. The scammer pretends to be representing the Federal Trade Commission.

At least two Stars and Stripes readers have received phone calls recently saying that they had won the newspaper's sweepstakes and asking for money so they can collect their prize, but the newspaper is not running any kind of sweepstakes.

Click here to read more about the scam.

Stars and Stripes Sweepstakes Scam

6/21/2011

Posted on 6/21/2011 by
According to Stripes.com, scammers appear to be targeting veterans and military families claiming to represent the FTC and claiming that their targets have won a sweepstakes from Stars and Stripes.

At least two Stars and Stripes readers have received phone calls recently saying that they had won the newspaper's sweepstakes and asking for money so they can collect their prize, but the newspaper is not running any kind of sweepstakes.

Read more about the scam.

Immigration Services Industry Corrupted by Scam Artists

6/16/2011

Posted on 6/16/2011 by

Denver, CO – June 16, 2011 – A rapidly growing area of fraud in the U.S. involves taking advantage of those needing help with immigration processes. The U.S. Departments of Justice, Homeland Security and the Federal Trade Commission recently announced their initiative to fight immigration services scams.

The common thread in this type of fraud involves the unauthorized practice of immigration law. In 2009, the Better Business Bureau received several calls from Spanish-speaking consumers inquiring about a Colorado Springs-based company called Immigration Center, amongst many other names, which seemed to be operating in such a manner. The company was shut down in January, 2011 by a federal judge at the request of the FTC.

According to the FTC, the defendants representing the company was charged with violating federal law by misrepresenting:

that they were authorized to provide immigration and naturalization services;
that they were affiliated with the U.S. government; and
that the fees paid by consumers would cover all the costs associated with submitting immigration documents to the USCIS.

“Communities of non-English speaking people are always at a higher risk for being targets of scams,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Victims of immigration services scams face a huge loss of time and money because their forms are often rejected due to being filed by unauthorized service providers.”

The BBB advises consumers to follow these tips provided by the FTC to avoid becoming a victim of immigration services scams:

Don't go to a notario, notario público, or a notary public for legal advice. In the U.S., notarios are not lawyers: they can't give you legal advice or talk to government agencies for you, like the US Citizenship and Immigration Service (USCIS) or the Board of Immigration Appeals (BIA). A notary public doesn't have to be a lawyer either, and is not allowed to give you legal advice.
Never pay for blank government forms. Government forms are free, though you'll probably have to pay when you submit them to USCIS. You can get free immigration forms at www.uscis.gov/forms, by calling USCIS at 1-800-870-3676, or by visiting your local USCIS office.
Get immigration information from U.S. government websites. Some scammers set up websites that look like they are run by the government, but they aren't. Make sure that the website that looks like a government site is a dot gov (.gov). That means it is from the U.S. government.
Don't let anyone keep your original documents, like your birth certificate or passport. Scammers may keep them until you pay to get them back.
Never sign a form before it has been filled out, or a form that has false information in it. Never sign a document that you don't understand.
Keep a copy of every form that you submit, as well as every letter from the government about your application or petition.
You will get a receipt from USCIS when you turn in your paperwork. Keep it! It proves that USCIS received your application or petition. You will need the receipt to check on the status of your application, so be sure you get a copy.

Visit www.ftc.gov for more information.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

How safe are you from Identity Fraud?

6/15/2011

Posted on 6/15/2011 by
How safe are you from Identity Fraud?

1) I pay bills with checks and place them in my mailbox.
___ True (10)
___ False (0)

2) I use direct deposit or electronic transfer for paychecks, refund or insurance check claims
___ True (0)
___ False (5)

3) New boxes of checks are mailed to my home.
___ True (10)
___ False (0)

4) I have ‘opted out’ of my credit card marketing programs and received “convenience”
checks in the mail.
___ True (0)
___ False (10)

5) I carry a purse or carry my wallet in my back pocket.
___ True (10)
___ False (0)

6) I use checks for shopping and carry my checkbook with me when in public.
___ True (5)
___ False (0)

7) I have copied the contents of my wallet.
___ True (0)
___ False (5)

8) I have at least one item in my wallet that contains my Social Security Number
___ True (10)
___ False (0)

9) I throw away my annual Social Security Earnings Statement without reviewing it.
___ True (10)
___ False (0)

10) I keep my purse, briefcase, checkbook, registration, insurance card or other identifying
information in my car.
___ True (10)
___ False (0)

11) I keep highly sensitive financial records and personal documents in locked files in my home
or office
___ True (0)
___ False (10)

12) I shred (or otherwise render unreadable) documents that contain sensitive financial information
before I put them in the trash.
___ True (0)
___ False (10)

13) I use a shredder, but it is not a cross-cut shredder.
___ True (5)
___ False (0)

14) I have not ‘opted out’ of credit reporting agencies’ credit card solicitations. (1-888-567-
8688 or optoutprescreen.com)
___ True (5)
___ False (0)

15) I have ordered copies of my credit report in the last year.
___ True (0)
___ False (10)

16) I have not notified the credit reporting agencies of the death of a relative.
___ True (10)
___ False (0)

17) I have responded to e-mails or telephone calls from my Internet provider, bank or companies
like eBay or PayPal requesting account verification.
___ True (10)
___ False (0)

18) I use online banking services and shop online, but do not use a secure browser, or I have
high-speed Internet service but no firewall protection.
___ True (10)
___ False (0)

_______ Total Score

SCORING
60+ POINTS: You are at high risk of being an identity theft victim. Take steps now to reduce your vulnerability.
30-60 POINTS: Your odds of being victimized are about average, although may be higher if you have
good credit.
0-30 POINTS: Congratulations. You are savvy in protecting yourself against identity theft. Keep up the
good work, but stay vigilant!

Learn the Signs on World Elder Abuse Awareness Day

6/14/2011

Posted on 6/14/2011 by

Denver, CO – June 14, 2011 – June 15 is World Elder Abuse Awareness Day (WEAAD), and Better Business Bureau Serving Denver/Boulder is marking the occasion by calling attention to the many ways the elderly are victimized local communities, and throughout the world.

The BBB receives hundreds of phone calls each year from senior citizens who have been targeted or victimized by scammers. These can range from common scams such as bogus travel deals or lottery schemes to outright financial fraud.

“The elderly are targets for scams due to several reasons; some being fixed income which can lead to financial troubles and trusting personalities,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “This is why the BBB has programs specialized to help educate this demographic about issues specific to them, including financial exploitation.”

Financial elder abuse occurs when seniors’ banking or credit accounts are exploited by scammers who take advantage of the vulnerabilities sometimes associated with age, explains Mingilton.

What makes the crime particularly frightening is that in many cases the abuse is carried out by someone the senior knows, such as a family member, caregiver or friend.

Unfortunately financial elder abuse can be difficult to identify. If often takes a caring family member, friend or caregiver to recognize that fraud has occurred. These are some signs to look for:

Belongings or property is missing
Unusual bank account activity
Complaints from seniors that they can suddenly not afford normal purchases
Suspicious stories about people that normally wouldn’t be involved in personal affairs now being involved
Unnecessary purchases (often big-ticket items)
Sudden changes to Power of Attorney or will
Sudden interest in an investment or business opportunity
Claims they have won a prize, lottery or vacation
Numerous unpaid bills or bounced checks

If you or someone you know might be a victim of Elder Abuse contact your local law enforcement agency, AARP ElderWatch 1-800-222-4444 and/or the Colorado Department of Human Services: (720) 944-2994.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Door-to-Door Charity Scam Hits Centennial

6/7/2011

Posted on 6/7/2011 by

Denver, CO – June 7, 2011 – The Better Business Bureau Serving Denver/Boulder received a call Tuesday from a Centennial resident, also a wife of a U.S. veteran about an entity called Smartraiser. She stated that they came to her door and claimed to be raising money for U.S. military veterans. According to the Oregon Attorney General's Office, Smartraiser is not a charity.

The caller told the BBB that she wrote Smartraiser a check for twenty dollars and the representative showed her several other checks that he claimed to have collected from her neighbors. According to the caller, he claimed to be raising money for care-packages for veterans that are facing difficulties as they return home from foreign tours.

According to the Oregon Attorney General’s Office, donors should be aware of the following information about the entity:

Smartraiser is not a charity helping troops, but a for-profit company
Smartraiser does not offer financial reports detailing the use of the money it receives
Unlike a charity, Smartraiser does not disclose what percentage of the money it receives actually goes toward supporting troops and supplying care packages
Money given to Smartraiser is not tax-deductible
No government body endorses nor is associated with Smartraiser

Smartraiser has also solicited donations in Pennsylvania and it has an F rating with the BBB serving Pittsburgh. The BBB Business Review for Smartraiser in PA states that in June of 2010, the BBB requested a detailed written description of their business model, names of all officers of the company, the officers’ 3 year work history prior to employment at SmartRaiser and their registration number with the Pennsylvania Department of Charities. Smartraiser has not responded to the BBB’s request.

Charity fraud often involves false statements made by fraudulent operations claiming to raise money on behalf of the nation’s military. The BBB urges donors to never give donations or make decisions at their doorstep and to always research any organization that claims to be a charity.

Visit www.denver.bbb.org or call (303) 758-2100 to check out a charity.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Traveling Tricksters Pave the Way for Driveway Disasters

6/7/2011

Posted on 6/7/2011 by

Denver, CO – June 7, 2011 – One of the most common summertime swindles is the driveway paving scam – a favorite amongst traveling con-artists. The Better Business Bureau Serving Denver/Boulder warns residents to be on the lookout this season for such contractors knocking on their door or approaching them in their yards.

Complaints about paving contractors primarily focus on shoddy quality of work after thousands of dollars were paid up front. In many cases, homeowners complain that their new pavement cracks and deteriorates in a very short amount of time and the paving company is nowhere to be found when they try to contact them for repairs.

“The paving industry unfortunately has many bad actors who may be here one day and gone the next,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “And much of that is due to the traveler culture. Travelers are known for preying on the elderly, doing poor work and then disappearing.”

The BBB advises homeowners looking to hire a paving/asphalt/concrete company to get several estimates from reputable contractors and beware of these common paving scam red flags:

Selling door-to-door. Reputable asphalt contractors will rarely, if ever, sell their product door-to-door.
Claiming they have leftover asphalt from another job. Professional asphalt contractors know, with great accuracy, how much paving material is needed to complete a project. Rarely will they have leftover material. The “leftover” ploy is common in the traveler culture.
Push you to make a quick decision. Trustworthy contractors provide a written estimate that will be valid for days or weeks. Never hire someone on the spot and do thorough research on any contractor before you hire them.
No contract offered. Insist on a written contract specifying in detail the work to be performed and the agreed total price, not just price per square foot.
Cash-only sales. Most reputable contractors take checks or credit cards and don’t require cash-only terms.
Deals that seem too good to be true. If the quoted price seems unusually low, chances are the quality of work will also be low.
Out of state. Often the trucks they travel in are unmarked or they have an out-of-state license plate. Even if they claim to have a local phone number, scammers have more recently been purchasing disposable cell phone plans to provide a local number in the area they are soliciting. A little research will reveal that they have no permanent address and are not based locally.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Steer Clear of Gas-Saving Schemes

6/3/2011

Posted on 6/3/2011 by

Denver, CO – June 3, 2011 – With no end to high gas prices in sight, the Better Business Bureau warns consumers to not fall for tempting products and schemes said to help save money at the pump. Most of them are simply too good to be true.

When it comes to products that you can attach to your car or add to your fuel, be very skeptical of their performance. Over the past decade, the US Environmental Protection Agency (EPA) has tested more than 100 gas-saving devices and hasn’t identified any that significantly improve gas mileage. In fact, they’ve determined that some could eventually cause engine damage.

Some products might make a slight difference, but claims of a drastic improvement in your fuel economy are red flags of a rip-off. Also, beware of anyone claiming their product has been “approved by the Federal Government.”

“The marketing of supposed miraculous gas gadgets has occurred during every gas crisis period since the mid-1970s. But in more recent years we’ve been seeing problems with things like gas “prizes” and clubs,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder.

When it comes to offers like free gas cards, vouchers or gas-saving clubs, understand that what is advertised may not be what you really get.

For example, consumers have reported to the BBB that a local F-rated company called SA & Associates calls and claims the consumer has won a $300 gas card but the company needs to deliver in person. According to complaints, the company arrives without the gift card and tries to sell them a vacuum. Consumers state that instead of a $300 gas card they are given rebate form to apply for $25 rebates for every $100 they spend in gas, up to $300 in rebates.

The BBB advises to understand all of the details of any gas-saving program or product before you agree to participate or purchase.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Government Seeks to End Local Company’s Infomercials

6/1/2011

Posted on 6/1/2011 by

Denver, CO – June 1, 2011 – Both the Federal Trade Commission and office of Colorado Attorney General John Suthers announced the joint filing of a lawsuit against Westminster-based Dalbey Education Institute and its principals Tuesday. The lawsuit was filed on suspicion that the company’s founder, Russell Dalbey and his companies engaged in deceptive trade practices connected to misleading infomercials.

According to the Colorado Attorney General, the complaint, filed in the U.S. District Court for the District of Colorado, alleges that the companies and their principals are suspected of creating, marketing and running an infomercial, called “Winning in the Cash Flow Business,” since 2002 that led consumers to believe they could get rich by dealing seller-financed promissory notes or cash flow notes. The infomercials, which ran across the United States and Canada, sold informational materials for initial prices ranging from $39.95 to $159. Consumers also were offered thousands of dollars in additional products and services to help with their promissory note businesses. According to the complaint, consumers were told they could make tens of thousands of dollars in a matter of days by purchasing the Winning in the Cash Flow Business materials.

According to the FTC, these claims allegedly were supported by “testimonials” from consumers who claimed to have made “$1.2 million in 30 days,” “$79,000 in a few hours,” and “$262,216 part time,” for example. “In less than 30 days, I closed two transactions and I netted 1 point – a little bit over $1.2 million,” a testimonial by “Don B.” from New York stated.

Unfortunately, according to the FTC and Colorado Attorney General, this was far from the typical consumer experience.

Dalbey Education Institute, formerly known as America’s Note Network has consistently been a subject of inquiries and complaints to the Better Business Bureau Serving Denver/Boulder. Though the BBB made several efforts to encourage the company to modify its advertising methods over the years, generally they remained a great concern to the organization. In February, 2011, the BBB began a full review of the company’s infomercials, Web sites, direct-mail marketing and sales practices.

The company tried several times to become accredited by the BBB and was denied each time due to the BBB’s overall concerns with the company’s advertising and sales practices.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Nominate Local Organizations for Outstanding Ethics

5/26/2011

Posted on 5/26/2011 by

Denver, CO – May 26, 2011 – Do you know of a local business or nonprofit that exemplifies trust, integrity and community commitment? If so, the Better Business Bureau Serving Denver/Boulder (BBB) asks you to nominate that organization for the BBB Torch Award for Marketplace Trust.

The Torch Award illuminates the importance of trust within all types of trade and philanthropy. From 2003 to 2008, the BBB Serving Denver/Boulder awarded one local business with its Torch Award for Marketplace Trust. In 2009, the award was presented to not just one business but to a small business, a large business and a nonprofit.

“This award program is such a great way to shine a light on what the BBB strives to promote every day – a marketplace where buyers and sellers can trust each other. We are excited to kick off another year and award new winners in October. But it all starts with nominations from the community,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder.

The BBB Torch Awards are open to all for-profit and nonprofit organizations located within the BBB Serving Denver/Boulder service area. Organizations are not required to be BBB Accredited in order to qualify. Businesses need to have been in operation for at least three years and have at least a B rating with the BBB.

Last year, the BBB received over 70 nominations for the award. 2010’s winners were Denver Rescue Mission in the nonprofit category, Lake Arbor Automotive & Truck in the small business category, and Piper Electric Company in the large business category.

Visit http://denver.bbb.org/torch for more information and to nominate. The BBB will be accepting nominations until June 20, 2011.

Winners of the BBB Torch Awards for Marketplace Trust will be announced at a luncheon on October 14, 2011. The event is open to the public.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

What to Do When Storm Damage Hits Your Property

5/24/2011

Posted on 5/24/2011 by

Denver, CO – May 24, 2011 – As history has shown, hail storms and tornadoes often descend on Colorado during the end of spring and throughout the summer. When this weather hits populated areas, the damage and costs that result are significant.

The 2009 summer storm season has been marked as the most costly in state history and the following year, complaints to the Better Business Bureau against roofers mounded. In 2010, complaints rose over 400 percent over the previous year and the roofing industry continues to top the BBB’s most-inquired about list of business categories.

“When your property becomes damaged, your reaction is to get it repaired as quickly as possible. We want to remind people that despite the urgency of the matter, if a contractor offers help, do not give into high pressure tactics and read very carefully anything you are asked to sign,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “You may be told that a form is just an authorization to perform an estimate but in reality, it may be a binding contract.”

If your property becomes damaged as a result of storms this season, take the following advice from your BBB:

· Take pictures of the damage and contact your insurance company. Conduct an inspection with the claims adjuster before involving any contractor.

· Always get three bids from contractors and do complete research on each, including checking them out with the BBB.

· If you sign ANYTHING, read it very carefully to make sure you clearly understand what you and the contractor are both responsible for.

· DO NOT trust that someone is who they say they are. Get their business card and contact the main office for the company they say they work for and verify the person’s employment.

· Be cautious of doing business with anyone from out of state. They may be here one day and gone the next.

· Contact your county building department regarding applicable license and permit requirements for the contractor.

· DO NOT give your insurance information to a contractor and do not allow them to file a claim on your behalf.

· DO NOT sign your insurance check over to a contractor. Establish a payment plan in writing that outlines certain payment amounts due at different stages of the job.

· If you signed a contract that locks you into paying even if no work is done, contact your attorney immediately.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Many Cat Owners Not Fans of 'Feline Fanatics'

5/20/2011

Posted on 5/20/2011 by

Denver, CO – May 20, 2011 – An online company based in Longmont called Feline Fanatics is running into trouble with their customers. Several complaints filed with the Better Business Bureau (BBB) allege non-delivery of products and difficulty resolving the matter with the company.

A small family-run business according to its Web site, Feline Fanatics constructs and sells cat furniture and offers other pet-related supplies. Complaints to the BBB regarding delivery issues date back to 2008, but in 2011 the company became less responsive to complaints. Almost all complaints that have been filed since January have gone unanswered.

“Most of the consumers complaining are from out of state. So this is a good example of why, when you’re doing business online and you can’t drive to their location and knock on their door, you really need to check them out first,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Many online retailers tend to have delivery problems once in awhile; it’s the nature of the industry. But when it becomes a clear pattern and the company ignores formal complaints; that’s a red flag.”

Feline Fanatics currently has an F rating with the BBB for its pattern of complaints, failure to respond to complaints and other reasons. The company did not respond to the BBB’s offer to have a meeting to discuss the current problems.

The BBB recommends the following advice to consumers when shopping online:

Before making your purchase:

Get the company’s or seller’s complete name, mailing address and phone number.
Look for detailed information about the company’s return, exchange and shipping policies.
Check the company out with the BBB.
If you see a BBB logo or BBB reference on the website, do not assume that the company or seller is accredited by the BBB. The BBB name and logo are heavily abused in advertising; verify it directly with the BBB.
Make sure the website and transaction will be secure. You can tell this by the settings on your computer, (usually on the bottom right-hand side, either a lock icon or phrase that says, ‘Protected Mode On’).
Read and fully understand any terms and conditions before giving your credit card info. You may be agreeing to be part of continuity plan where you are automatically shipped and billed for items on a consistent basis or other terms.
Make sure the website has a privacy policy. Read it and print it out.

If you have a problem:

Contact the company and try to work it out with them directly first.
If the company or seller does not resolve the problem, you may dispute the charge with your credit card company, file a complaint with the BBB and file a complaint with the Internet Fraud Complaint Center, 800 251-3221, www.ic3.gov.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Thousands of Consumers Inquire About Landscapers

5/18/2011

Posted on 5/18/2011 by

Denver, CO – May 18, 2011 – This spring and summer, when consumers open their newspaper, mailbox or even their own front door they will find flyers, ads and offers galore prompting them to get their yard and trees in shape.

There are many reputable companies that conduct these services, but there will be many more passing through to make a quick buck this season.

Since March, over 8,000 BBB Business Reviews have been provided to consumers checking up on landscaping contractors. This puts the industry at number four on the BBB’s top-most inquired about business categories for March through mid-May.

“With so many people requesting these reviews, it’s important to us to highlight more advice about the industry and how to make the best decisions to ensure a trustworthy transaction with a landscaping company,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder.

The BBB offers the following tips to consumers when choosing a landscaper:

· Know that if the landscaper is going to treat your lawn with certain products are chemicals; they need to be licensed to do so. Verify this directly with the Department of Agriculture and check with your city and county to see if there are any requirements with them as well.

· Get at least three different estimates.

· Ask for references and follow up with them.

· Follow the BBB’s door-to-door rule of thumb: Do not make a decision on the spot, take the company’s information and tell them you’ll contact them after you’ve research them if you are interested. DO NOT FALL FOR HIGH-PRESSURE TACTICS.

· As always, read contracts and anything you sign very carefully and do not make large down payments.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Business Reviewsand BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

BBB Advises Consumers as Moving Season Heats Up

5/10/2011

Posted on 5/10/2011 by

Denver, CO – May 10, 2011 – Following a few simple rules when looking for a mover will go a long way toward protecting you from being victimized by scammers this summer, advises the Better Business Bureau (BBB).

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

Unfortunately, every year, the BBB receives complaints from consumers who have fallen prey to unreliable and sometimes unlicensed moving companies. Consumers often seek the help of the BBB when companies don’t resolve problems with billing or damaged goods. But in a common worst-case scenario, the moving company will essentially hold the customer’s belongings hostage and require potentially thousands of dollars to unload the truck.

“Vetting your mover is crucial because there are many industry requirements they must meet and because you are trusting them with all of your personal belongings,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Do as much homework as you can including checking first with the BBB and verifying licensing.”

It is also important for consumers to understand the difference between moving companies and moving brokers. Moving brokers do not conduct the actual move; they act as a middleman between the consumer and the mover. As of 2010, moving brokers are now required by the American Moving & Storage Association to adhere to many of the same requirements that movers are required to adhere to including making their policies clear on deposits, cancellations, and refunds and including their US DOT number in their advertisements and on their Web sites.

The BBB offers the following checklist for hiring a trustworthy mover:

· Verify licensing. Interstate movers need to be licensed with the Federal Motor Carrier Safety Administration which you can verify at www.protectyourmove.gov. Intrastate movers, (within Colorado only) need to be licensed with the Colorado Public Utilities Commission which you can verify at http://www.dora.state.co.us/puc

· Check the company’s report with the BBB. Get a thorough BBB Business Review on the companies you are looking into by visiting www.denver.bbb.org or by calling (303) 758-2100.

· Be savvy when getting estimates. Always get at least three in-home estimates before choosing a mover. No legitimate mover will offer to give you a firm estimate online or over the phone. Also keep in mind that the lowest estimate can sometimes be an unrealistic low-ball offer which can cost you more in the end.

Know Your Rights. Research your rights as a consumer with both the state you currently reside in and where you are moving to. Also enlist the help of your BBB or local law enforcement if the moving company fails to live up to its promises or decides to hold your belongings hostage.

· Get your agreement in writing. Make sure you have a written contract that outlines the timeline, all applicable deposits and fees, cancellation, refund and damage policies as well as any other agreements decided upon by you and your mover.

· If you hire a moving broker, get the details on who is actually going to do the move and who is responsible for what. Also verify that the broker and the mover meet established and new government requirements.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Online Scams Proliferate in Wake of Osama’s Death

5/5/2011

Posted on 5/5/2011 by

Denver, CO – May 5, 2011 – In the aftermath of Osama bin Laden’s death this past weekend, the Better Business Bureau is warning consumers to watch out for a slew of cyber-scams that have popped up in the past few days.

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

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

Consumers should also be very wary of links to Osama-related Web sites that they find on Twitter, or any link with a URL that leads to an unfamiliar webpage. Often these links will lead consumers to Web sites with viruses, or forms that encourage consumers to enter personal information, which can be used to steal their identity, or for phishing scams.

BBB Tips:

Be mindful about clicking on links that purport to show information that’s not widely available from respected news sources. In the case of bin Laden, no photos or videos related to his death have been released. Be extremely skeptical of links that say otherwise.
Be wary of free offers “celebrating” any sort of occasion, especially if the offer comes from a company or Web site you haven’t heard of before. Often times all it takes for a scammer to infect your computer with a virus is clicking on one bad link.
If you you’re unsure if an offer or a Web site is legitimate, contact your BBB at (303)758-2100 or by email at info@denver.bbb.org.

For more information on how consumers can protect themselves against scams visit www.denver.bbb.org.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Donate With Caution in Wake of Deadly Tornadoes

5/2/2011

Posted on 5/2/2011 by

Denver, CO – May 2, 2011 – In the wake of the deadly tornadoes that tore through the southeast, your BBB warns donors to exercise caution when making donations to relief agencies and charities.

As with every natural disaster, there are unscrupulous people who will attempt to take advantage of the public’s eagerness to help victims.

“In the face of any disaster, Americans will immediately step forward with donations to aid the victims and their families,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Unfortunately, we’ve seen time and time again that scammers will try to take advantage of the generosity of the public after a disaster; that’s why it’s so important to take your time and do your research before donating to relief efforts.”

Your BBB offers the following advice for donors to ensure their donations go to trustworthy relief efforts:

Before donating, visit www.denver.bbb.org/charity to research organizations you’re considering supporting.
Don’t give cash. Checks or money orders should be made out to the name of the charitable organization, not to the individual collecting the donation.
Beware fake charities that imitate the name and style of well-known organizations in an attempt to confuse donors.
Don’t give your credit card number or other personal information to a telephone solicitor or in response to an e-mail solicitation.
Be wary of charities that are reluctant to answer reasonable questions about their operations, finances and programs.
Ask for written information about the charity’s program(s) and finances such as the charity’s latest annual report and financial statements.
Ask what the charity intends to do with any excess contributions remaining once they’ve fully funded the disaster relief activities mentioned in solicitations.
Don’t give in to excessive pressure for on-the-spot donations. Be wary of any request to send a “runner” to pick up your contribution.
Be wary of any charity that is inexperienced in carrying out relief efforts but is suddenly soliciting for aid in the wake of the earthquake and tsunami. Although well intentioned, they may not be able to quickly deliver aid to those in need.
Be wary of appeals that are long on emotion, but short on describing what the charity will do to address the needs of victims and their families.
Make sure your contribution is tax deductible: donations should be made to charitable organizations that are tax exempt under section 501(c)(3) of the Internal Revenue Code. Go to IRS Publication 78 on the IRS’ website for a current list of all organizations eligible to receive contributions deductible as charitable gifts.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Brides: Choose Vendors Carefully to Avoid Royal Disasters

4/29/2011

Posted on 4/29/2011 by

Denver, CO – April 29, 2011 – The Royal wedding may have gone off without a hitch but the Better Business Bureau is advising brides-to-be on how to prevent their big day from turning into a royal disaster.

Every year the BBB receives complaints on bridal shops, wedding photographers, wedding consultants and other suppliers as well as disc jockeys, banquet facilities and limousine companies. Problems often center on delivery, billing and service issues.

“The excitement and emotions caused by planning a wedding can often obstruct your good judgment as a consumer,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Companies that try to play on this and rush you into an agreement without giving you the time to shop around should be avoided.”

With a likely substantial amount of money at stake and big decisions to make, BBB advises engaged couples and their families to make wise choices when wedding planning, offering the following tips to avoid heartache on their wedding day:

Plan ahead. Begin planning as far ahead as possible. Many services―like florists, caterers and photographers―require six to nine months advance booking.
Don’t be afraid to be a frugal bride. Set a budget for your wedding, and stick to it. Don’t be afraid to negotiate with vendors.
Do your homework. Get several bids and check the BBB Business Review of any business you consider hiring at www.denver.bbb.org.
Vows work for marriage, not business―get it in writing. Get a detailed written contract for everything; don’t just rely on verbal promises. Include the sizes, colors, product descriptions, prices and delivery dates.
Beware of deeply discounted wedding gowns. There are several online companies that offer bridal gowns at extremely low prices but try to avoid offers that are too good to be true. You may likely end up with a dress that is of poor quality or fit, or the dress may get delivered late or never at all.
Don’t get swept off your feet at wedding expos. Wedding shows are a great way to learn wedding best-practices, but don’t make hasty decisions and choose a vendor on-the-spot. And be careful about what prize draws you are entering―you shouldn’t have to provide your credit card info to complete an entry form for a ‘free’ trip.
Consider wedding insurance. Wedding insurance can help take the stress out of any possible wedding mishaps. A wedding vendor might go out of business, you may need to cancel due to bad weather or you may not receive the goods you’ve paid for, such as bridal gowns or a wedding cake. But be sure to check with your vendor first―they might already have you covered.

Don’t get stuck with cold feet, get confirmation from everyone. Confirm all services one or two weeks prior to the event and verify all of the details agreed upon. You don't want any unpleasant surprises on your wedding day.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Beware of Traveling Con Artists This Spring

4/26/2011

Posted on 4/26/2011 by

Denver, CO – April 26, 2011 – The Better Business Bureau is warning consumers to be on the lookout this spring and summer for traveling crime families. For many generations travelers have moved from town-to-town, state-to-state to rip off unsuspecting homeowners.

They tend to offer services for home repair or yard work at low prices but then raise the fee substantially once the work is completed and use intimidation to obtain payment.

According to a recent alert distributed by the Arapahoe County Sheriff’s Office, travelers cruise residential neighborhoods searching for elderly persons outside their homes. They may also have been profiling a home for some time and are skilled at determining if the occupant is a vulnerable target.

In the summer of 2010, several local authorities received complaints about travelers and related home repair schemes. One such complaint involved a traveler from Oklahoma named Ollie Eddington. He was arrested in Longmont for overcharging a 93-year old woman for tree trimming work. The woman was reportedly approached in her backyard.

Travelers are also known to commit burglaries while working on home projects or by posing as a city or utility worker. In July of 2009, there were several reports of people knocking on doors posing as Denver Water workers.

Take the following advice to avoid being taken by a traveler or other similar con artist:

Don’t ever agree to allow someone to perform work right away. Take their information such as a business card or flyer and check them out with the BBB and other sources. You may also want to call the company directly and make sure the person who approached you is an actual employee of the company. Also get their vehicle’s plate number.
Don’t ever let someone unexpected into your home. If they say they are with the city, utility company or something similar, contact that party directly and verify the visit and work to be done.
Do not fall for any high pressure tactics. High pressure sales may be the first red flag that you are dealing with someone untrustworthy.
If you suspect you or someone you know may have been taken advantage of by a traveler or similar scammer, contact your local authorities.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Deceptive Mailing Could Cost You $225

4/18/2011

Posted on 4/18/2011 by

Denver, CO – April 18, 2011 – Despite media attention and an official warning from the Colorado Secretary of State’s office, a company seemingly based in Nevada continues to target small businesses with its deceptive mail solicitations.

The mailing lists a Denver post office box as a return address. The Nevada Secretary of State has the company’s name registered as Corporate Controllers Unit.

The mailing has an official looking seal on the top right of the form, and quotes the Colorado Revised Statues to sound official. The mailing is titled “Periodic Report” and indicates a reply deadline. Corporate Controllers Unit then offers to file for a business for $225.00. However; in most cases, the Colorado annual fee is just $10.00 if you file directly with the Secretary of State. The mailer is deceptive and confusing as it states on one hand that failure to pay will result in penalty, while on the other hand stating, “You are under no obligation to make any payments on account of this offer.”

The Better Business Bureau Serving Denver/Boulder (BBB) has received many calls from business representatives inquiring about the legitimacy of the mail solicitation.

Colorado Secretary of State Scott Gessler stated in a recent press release, “We work hard to keep business’ filing fees low and communicate with these entities about the need for periodic filing.” Gessler also said, “These kinds of deceptive mailings create unnecessary confusion. We’ve taken great strides to create a user-friendly, efficient system to file these reports online directly with the Secretary of State’s office.”

The BBB advises consumers and businesses to look closely at any mailings that ask for a fee or payment. Make sure it is from the company or agency you think it is and make sure that it is actually due before sending any money.

Visit www.denver.bbb.org for more information about schemes targeting businesses and consumers, and for BBB Business Reviews and charity reports.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

As Filing Deadline Approaches, Beware of Tax Scams

4/13/2011

Posted on 4/13/2011 by

Denver, CO – April 13, 2011 – Whether you have filed your taxes already or not, now is the time to be especially guarded against tax scams. For those who still need to file, it’s important to choose one of the many reputable tax preparers out there and not fall victim to someone unethical. For those who have filed already, beware of any strange communications about your refund that appear to be coming from your bank or the IRS.

“It’s the time of year for tax filers to steer clear of unqualified preparers that are just trying to make a buck and may not be very honest,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “The end of tax season is also when scammers make an extra push to get people to fall for phishing attempts.”

Unethical tax preparers have been known to skim part of their clients’ refunds, overcharge for services and attract clients be making promises that are too good to be true. According to the IRS, federal courts have issued hundreds of injunctions ordering individuals to cease preparing returns, and the Department of Justice has pending complaints against dozens of others.

Follow these tips from your BBB to avoid falling victim to a scam as tax season wraps up:

Beware of any phishing emails or phone calls that seem to be from the IRS. Do not give any personal information or click on any links.
Contact the IRS directly if you receive such a correspondence. Ask them if they are trying to get in touch with you. They are likely NOT and you should forward them the email you received for them to investigate.
Beware of anyone who pressures you to sign up for immediate payment of your refund that involves high interest loan. Consider these options carefully and do not be high-pressured.
Beware of those that boast they can get larger refunds than their competitors.
Beware of anyone who bases their fee on a percentage of the refund amount, rather than the complexity of the tax return.
Check out tax preparers with your BBB first at www.denver.bbb.org.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

The McGraw-Hill Companies and BBB’s Military Line Join to Bring Financial Literacy to Military Families

4/12/2011

Posted on 4/12/2011 by

New York, NY and Arlington, VA – April 12, 2011 – As part of First Lady Michelle Obama and Dr. Jill Biden’s “Joining Forces" initiative, McGraw-Hill (NYSE: MHP) and the Better Business Bureau's (BBB) Military Line are joining together to develop and deliver expanded financial literacy and consumer protection programs to military families. The campaign builds on six years of BBB Military Line training initiatives and McGraw-Hill's decade-long commitment to ensuring financial literacy for all. The combined effort will reach more than 40,000 military families initially and will include a full complement of online and onsite financial resources including webinars, mobile applications, workshops and promotions.

According to an October 2010 FINRA (Financial Industry Regulatory Authority) study entitled, "Financial Capability in the United States: Military Survey," military populations suffer disproportionately from financial strain (poor credit, high debt, foreclosures, etc.) due to service members' unique circumstances of long deployments, protracted family separation and frequent moves. The study notes, "Improving financial capability is not only important for military service members and their families, it also affects the military as a whole. When military families make poor financial decisions, the cost of those decisions can undermine military readiness."

"Lack of financial literacy can become a serious national security issue, as well as an unnecessary and burdensome distraction for our service members and their families," said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. "Financial readiness is critical to mission readiness and BBB Military Line is honored to work with McGraw-Hill to make this happen."

"McGraw-Hill is proud to work with BBB's Military Line to equip the armed forces and their families with the tools to make informed financial decisions," said Harold McGraw III, Chairman, President and CEO of McGraw-Hill. "We applaud First Lady Obama and Dr. Biden for launching this worthy campaign and McGraw-Hill stands ready to do our part."

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About McGraw-Hill

Founded in 1888, The McGraw-Hill Companies is a leading global financial information and education company that helps professionals and students succeed in the Knowledge Economy. Leading brands include Standard & Poor’s, McGraw-Hill Education, Platts energy information services and J.D. Power and Associates. With approximately 21,000 employees in more than 280 offices in 40 countries, the Corporation's sales in 2010 totaled $6.2 billion.

Connect with McGraw-Hill on Twitter and Facebook.

McGraw-Hill's philanthropic mission is to ensure financial literacy for all. Please visit www.mcgraw-hill.com/site/cr/community/financial-literacy for additional information about its financial literacy programs. Additionally, stay up-to-date about McGraw-Hill’s Financial Literacy Now campaign on Twitter and Facebook.

About BBB Military Line

The Better Business Bureau (BBB) Military Line program, established in 2004 and in partnership with the DOD Financial Readiness Campaign, brings financial workshops tailored to the military for adults and teens; participates in community fairs, conferences, and military installation events; and provides consumer protection information and services --- all through the efforts of local BBB offices throughout the US. Our program empowers our military communities and builds bridges between civilian and military cultures through face to face interaction and cooperation. Our online presence provides financial literacy and military consumer information, along with consumer threat alerts that specifically target the military population. Please visit www.bbb.org/military for more information. Connect with BBB Military Line on Facebook.

Timeshare Company Falsifies Address, Gets BBB Complaints

4/7/2011

Posted on 4/7/2011 by

Denver, CO – April 7, 2011 – A company that offers to buy timeshares just showed up on the BBB’s radar as many consumers wanted to know if they’ve come across something that is too good to be true.

The company is called Five Star Resort Services and consumers are intrigued because they appear to be one of the only timeshare resellers that does not ask for an upfront fee.

But three complaints have already been filed against the company and according to the complainants, the company does eventually ask for various fees during the transaction process. They allegedly charge an escrow fee and a 5% commission for the sale. Complaints further allege that the company is difficult to reach when the consumer seeks their payment for the sale of the timeshare. These complaints are pending a response from the company.

Five Star Resort Services uses an address in Cherry Creek that is occupied by an unrelated company. Neighboring businesses claim to have never heard of Five Star Resort Services. The fact that the company advertises a false address on their Web site and in their contracts should be a red flag to consumers.

“If you want to sell your timeshare, your best bet is to do it yourself. Ask the resort for information on how to sell your shares through their bulletins or newsletters,” advises Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “Sadly, BBB complaints nationwide historically show that when consumers hire companies to list, sell or “transfer” their timeshare, they simply get taken for their money.”

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Massive Data Breach May Result in Fraudulent Emails

4/4/2011

Posted on 4/4/2011 by

Denver, CO – April 4, 2011 – In what may be one of the largest data breaches in U.S. history, several names and email addresses have been obtained by a hacker who infiltrated online marketer, Epsilon.

Many companies do business with Epsilon including Walgreens, Tivo, Inc, HSN Inc and several of the nation’s largest banks. Customers of these companies were recently contacted and notified of the breach.

According to many of these notifications, no personal financial information was revealed or compromised. But the Better Business Bureau warns that if your email address has been stolen, you may be the target of phishing emails that try to get such information.

“With such a large number of consumers affected in this data breach and the fact that financial information doesn’t appear to have been exposed, a significant increase in phishing emails should be expected,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Be very cautious of emails you receive from any company or bank that asks for information or contains links. If you’re not sure of its legitimacy, contact the company directly.”

The BBB also advises consumers to be cautious of strange emails that appear to be from family and friends. This is another way that email addresses are used fraudulently. Cybercriminals know that you are more likely to click on a link or give information via email to someone you know and trust.

It is also an important time to update all areas of your computer’s security. This will help prevent fraudulent emails from landing in your inbox in the first place and help prevent hackers from infiltrating your system.

If you become a victim of a phishing scam, file a complaint with the Internet Crime Complaint Center: www.ic3.gov / 800 251-3221.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Online Teeth Whitener Trials Are Nothing to Smile About

3/29/2011

Posted on 3/29/2011 by

Denver, CO – March 29, 2011 – The Better Business Bureau is warning consumers to be extremely wary of pervasive online ads offering the promise of a whiter, brighter smile. Several online merchants offer free trials or enrollment programs to sell teeth whitening products but when consumers feel misled and have difficulty getting refunds, they turn to the BBB for help.

Two local internet companies that sell teeth whiteners are the subject of many BBB complaints, one of which – Ivory White – has seen a recent spike in complaints. Ivory White, based in Boulder has an F-rating with the BBB for many reasons including an ongoing pattern of complaints regarding advertising, billing and product issues. Consumers often allege that they follow the terms advertised for returns but they get billed anyway and cannot get a refund from the company.

The BBB has received 874 complaints about Ivory White in the last three years. The company does the majority of its advertising through pop-ups on third-party Web sites, including social media networks.

Another company with related consumer issues is Broomfield-based, Bella Brite. This company also has an F-rating with the BBB for a pattern of complaints surrounding many of the same types of issues as Ivory White. The BBB has received 166 complaints about this company in the last three years.

The BBB offers the following advice to consumers on purchasing teeth whitening products online:

• Always read the fine print. Many Web sites offering a free trial of a teeth whitening product do not clearly disclose the billing terms and conditions. Before giving the company any credit or debit card information, review the Web site fully and be aware that free trials typically result in repeated billing.

• Check the company out with your BBB first. Before signing up for any free trial, check the company’s BBB Business Review online at www.denver.bbb.org to see if the BBB has identified issues with the company.

• Beware of pop-ups. Be extremely cautious of any pop-up ad that offers “free” samples for products in exchange for a survey or free prizes in exchange for trying products. Ivory White complainants have alleged being lured in with free iPads and Southwest Airline vouchers, of which, they allegedly never received.

• File a complaint with BBB if you feel you’ve been ripped off. Consumers who feel they are being deceived by a business selling teeth whitening products online can file a complaint with the BBB at www.denver.bbb.org.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Use Caution When Buying Elizabeth Taylor Memorabilia

3/28/2011

Posted on 3/28/2011 by

Denver, CO – March 28,2011 – In the hours following the death of Elizabeth Taylor, entrepreneurs undoubtedly began looking at ways to honor – and profit from – the passing of another iconic entertainment legend. The Better Business Bureau (BBB) warns that most memorabilia and commemorative items produced and sold in the wake of Ms. Taylor’s passing will decrease in value in the years to come.

“The death of a famous sports or entertainment figure often creates an immediate demand for items associated with that person,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “And while some artifacts may, indeed, see an increase in value over the years, most will not. Items like commemorative plates, coins and figurines manufactured to mark Ms. Taylor’s death likely will sell years from now for pennies on the dollar. If you want it for yourself or a family member, go ahead and buy it, but unless you are a very sophisticated buyer, don’t expect to sell it later for a profit.”

The online auction site eBay listed nearly 10,000 Elizabeth Taylor-related items shortly after her death on March 23, including the domain name RememberingElizabethTaylor.com (priced at $15,000), a 1955 handwritten letter signed by Ms. Taylor ($7,500), a one-sheet movie poster from “Butterfield 8” ($1,295) and a 1952 Dixie ice cream lid with the star’s photo ($249).

The BBB noted a similar rush for memorabilia associated with Elvis Presley, John Wayne, Princess Diana, John Lennon and Michael Jackson after their deaths.

The BBB offers the following tips for persons buying collectibles or memorabilia following the death of a celebrity:

· Get educated. Collectors need to research the value of items before they begin purchasing them, especially if they want pieces with the potential for substantial appreciation in value.

· Confirm authenticity. Autographs can be verified by a third party, but for other items, the collector should feel free to ask the seller questions about the item, including how the seller came to own it. If the seller can’t answer simple questions, then the collector should walk away.

· Make purchases with a credit card. Consumers should always purchase items with a credit card if they are shopping online. If the seller turns out to be fraudulent, then the consumer can dispute the charge with the credit card company and may be eligible for reimbursement.

· Be careful online. When purchasing items from an individual on eBay, research the seller’s track record by reading buyer reviews. When shopping on Craigslist, go local and never wire money as payment.

· Purchase items from a reputable seller. When shopping online stores, check them out with the BBB first by looking up their BBB Business Review at www.denver.bbb.org.

· Don’t be fooled by empty advertising claims. Just because the seller claims that the item is of limited edition, it doesn’t mean that there weren’t millions made. If the item is being widely advertised, chances are it’s too common to actually gain much value over the years.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Complaints to BBB Up 10% Nationwide

3/24/2011

Posted on 3/24/2011 by

Denver, CO – March 24, 2011 – According to an annual report recently released by Better Business Bureau, consumers filed 1.1 million complaints against North American businesses in 2010, reflecting a ten percent increase over the previous year. Consumers also turned to the nonprofit more than 87 million times for help researching businesses in the U.S., a whopping 37 percent more than in 2009.

“The complaints filed with BBB are not only a barometer of customer satisfaction, but the rise in complaints also shows that consumers are increasingly relying on BBB for assistance in resolving disputes with businesses,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder.

The cable and satellite TV industry received the largest number of complaints with 30,985, a 5 percent decrease over last year. The cell phone industry ranked second with 27,293 complaints but saw a 29.6 percent decrease over 2009. Rounding out the top three, new car auto dealers received 24,698 complaints, an 8.1 percent decrease over the previous year.

“Industries that do a large volume of business are naturally going to have a larger number of complaints. This is why it’s important to look at how a company responded when BBB approached them with consumer complaints, and not just the sheer number of complaints,” added Mingilton.

The report also reveals that BBB Business Reviews are an increasingly popular free tool for consumers to research the trustworthiness of businesses. BBB Business Reviews—which contain information on a businesses’ accreditation status, letter-grade rating, complaint history and more—were accessed more than 87 million times in 2010. The most popular industries researched with BBB are roofing contractors, general contractors and mortgage brokers.

Following are the top 10 industries by volume of consumer complaints filed across North America with BBB in 2010:

Industry	Total Complaints	Rank by number of complaints1	Percentage Increase over 2009	Percentage of Resolved Complaints 2
Television - Cable, CATV & Satellite	30,985	1	-5.0%	98.6%
Cellular Phones Services & Equipment	27,293	2	-29.6%	92.1%
Auto Dealers-New Cars	24,698	3	-8.1%	87.4%
Banks	22,648	4	-24.3%	98.5%
Collection Agencies	15,876	5	.5%	80.2%
Auto Dealers - Used Cars	14,520	6	6.1%	70.6%
Auto Repair & Service	13,178	7	3.5%	65.6%
Furniture - Retail	13,018	8	-1.1%	79.1%
Internet Shopping	12,950	9	-39.8%	61.4%
Mortgage Brokers	9,545	10	17.8%	81.0%

1. Complaint rank is out 4,483 industries categories

2. Average resolution rate across all industries for 2010 was 78 percent

For a complete industry breakdown of all complaints filed with the BBB in 2010 go to www.us.bbb.org/statistics. To learn more about BBB dispute resolution services and BBB Business Reviews, contact the BBB Serving Denver/Boulder at www.denver.bbb.org or at (303) 758-2100.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Don’t Get “Taken” While Taking a Spring Break Trip

3/22/2011

Posted on 3/22/2011 by

Denver, CO – March 22, 2011 – Spring has finally arrived and many are yearning for a quick getaway. Students everywhere are also planning graduation trips but the Better Business Bureau warns that there are several red flags to look out for to avoid travel scams.

Travel scams cost consumers $12 billion annually according to the National Association of Attorneys General. The travel industry also receives thousands of BBB complaints nationwide every year.

“It is important for travelers, especially high school and college students, to not get caught up in the allure of deep discounts for eye-catching resorts without doing their homework,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Take the time to ensure you’re booking through a reputable company and you understand all the terms.”

The BBB recommends paying for vacation costs by credit card so you are protected if something goes wrong. It may also be beneficial to purchase travel insurance to cover other potential problems with your trip.

The BBB suggests that travelers avoid these “red flags” when booking trips:

Heavily discounted offers - If the offer is significantly lower than the regular price of travel and sounds “too good to be true” it probably is. Be sure to shop around to evaluate prices from several companies.
Policy changes - A company that will not accept credit card payments is preventing your best avenue of recourse should the company not fulfill their obligations; forcing you to pay by cash, check or wire transfer instead virtually eliminates your chances of canceling the transaction or obtaining a refund.
"One call, one chance" - On the initial phone call, some high-pressure sales companies will put a deadline on their offer to try and get you to commit on the spot, saying that the offer will expire if you do not buy right away.
Hidden costs. Does a “bargain” travel package include all costs associated with the trip, i.e., ground transportation, lodging, meals, port fees, taxes, peak season price increases, and gratuities?
False bookings. Before traveling, confirm all arrangements yourself with the airline, cruise line, and/or hotel. Even though you have paid for the trip in full, it’s possible that your actual reservations don’t exist.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

BBB Advises Donors on Disaster Relief Efforts

3/11/2011

Posted on 3/11/2011 by

Denver, CO – March 11, 2011 – In the wake of the most powerful earthquake to ever hit Japan, many Americans want to help those impacted by the earthquake and the tsunami that followed. Your Better Business Bureau warns donors to exercise caution when making donations to relief agencies and charities.

As with every natural disaster, there are unscrupulous people who will attempt to take advantage of the public’s eagerness to help victims.

“The images of what has happened in Japan are astounding and they instantly compel Americans to want to give and help in any way they can,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “The urgency behind such disasters and desire to give is often what causes people to get taken advantage of in these situations. It’s so important that donors take a minute to do their homework to ensure they are giving to a trustworthy and effective organization.”

Your BBB offers the advice for donors to ensure their donations go to trustworthy relief efforts.

Before donating, visit www.denver.bbb.org/charity to research organizations you’re considering supporting.
Beware of fake charities that imitate the name and style of well-known organizations in an attempt to confuse donors.
Don’t give cash. Checks or money orders should be made out to the name of the charitable organization, not to the individual collecting the donation.
Be wary of charities that are reluctant to answer reasonable questions about their operations, finances and programs.
Don’t give in to excessive pressure for on-the-spot donations. Be wary of any request to send a “runner” to pick up your contribution.
Be wary of appeals that are long on emotion, but short on describing what the charity will do to address the needs of victims and their families.
Don’t give your credit card number or other personal information to a telephone solicitor or in response to an e-mail solicitation.
Ask for written information about the charity’s program(s) and finances such as the charity’s latest annual report and financial statements.
Ask what the charity intends to do with any excess contributions remaining once they’ve fully funded the disaster relief activities mentioned in solicitations.
Be wary of any charity that is inexperienced in carrying out relief efforts but is suddenly soliciting for aid in the wake of the earthquake and tsunami. Although well intentioned, they may not be able to quickly deliver aid to those in need.
Make sure your contribution is tax deductible: donations should be made to charitable organizations that are tax exempt under section 501(c)(3) of the Internal Revenue Code. Go to IRS Publication 78 on the IRS’ website for a current list of all organizations eligible to receive contributions deductible as charitable gifts.

For additional information you can trust when making giving decisions, or to view BBB Wise Giving Reports on charities across the nation, visit www.denver.bbb.org

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

The BBB is here for you

3/4/2011

Posted on 3/4/2011 by Collin Dunlavey
Denver/Boulder BBB

Here at the Denver/Boulder BBB we dedicate ourselves and our time to helping you, the community. Whether its a consumer, business, or charity, we're here to help guide you in the direction of your needs. Problems or concerns, tips and tricks, scams and alerts, we have the resources and advice you need to make sure the right decision is made. With a 24/7 online "find a business" link, we can assure you're using the best business for the job you need. If it's a problem you're having with a business our helpline is readily avaliable for listening and advice on what to do in your situation. We at the BBB want to ensure trust in the marketplace and fluid business to business relations. We are proud to everyday be making a difference in the community.

For more information on how to find a business or contact our helpline, go to www.denver.bbb.org

And follow us on facebook www.facebook.com/denver/boulder/bbb

Dont be afraid to comment and talk with us. We're here for you!

Recognize NCPW by Spotting Scams

3/3/2011

Posted on 3/3/2011 by

Denver, CO – March 3, 2011 – The month of March may bring to mind leprechauns and lucky clovers but consumers should start thinking of March as the month to help raise awareness of common and growing frauds.

March is Fraud Awareness Month in Canada and March 6-12 is National Consumer Protection Week in the U.S.

The Better Business Bureau (BBB) encourages everyone, no matter what age or background to recognize fraud, share your knowledge about it and take precautionary measures to prevent victimization.

“Fraud affects everyone. Even if you’ve never been a victim of it, the impact that fraud has on the economy affects us as a whole,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder.

Some of the most common types of fraud are:

Telemarketing Fraud: This typically entails giving personal or financial information over the phone to someone who will use it for fraudulent purposes. The caller usually pretends to be a company or entity that you trust, or even your own grandchild as seen in the “grandparent scam.”

Internet Fraud: There are several types of online fraud including phishing, non-delivery of goods or payment, credit card fraud, scareware, internet auction fraud and many others. These scams can happen when cybercriminals pass themselves off as trustworthy companies or individuals and when computers are not protected.

Mail Fraud: The most common types of mail fraud involve sweepstakes scams and identity theft. Victims of sweepstakes scams are mailed a fake prize check and asked to cash it and wire transfer a portion of the funds. Once the money is wired, it’s gone and the bank ends up holding you responsible for the funds of the fake cashed check. ID theft happens when sensitive mail is not shredded but thrown away instead, and then ends up in the hands of criminal.

The BBB offers the following advice to prevent all types of fraud:

· Safeguard your personally identifiable and financial information.

· Never give information over the phone or online to an unverified entity or person.

· Never, ever wire-transfer funds to an unknown entity or suspicious caller.

· Protect your computer with security software and firewalls.

· Always check things out with your BBB first!

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Internet Crime Still High, Mid-Aged Americans at Risk

2/28/2011

Posted on 2/28/2011 by

Denver, CO – February 28, 2011 – Calls made to the Better Business Bureau Serving Denver/Boulder (BBB) often tell a tale of some kind of internet crime. Callers say they ordered a product, paid for it but never received it. Others are looking for help because they believe their personal or financial information has been compromised while online.

When the perpetrators of these disputes are criminals that cannot be contacted at a legitimate business address, the BBB refers these matters to the FBI/National White Collar Crime Center’s Internet Crime Complaint Center (IC3).The IC3 recently released its annual crime report that reflects many of these issues.

The report indicates that the IC3 received over 300,000 complaints in 2010, 6789 of which were filed by Colorado consumers. Among the complaints filed by Coloradoans, the top three complaint categories were non-delivery of merchandise/payment (20.5%), identity theft (18.5%), and credit card fraud (10.5%).

According to the report, the demographic most at risk nationally and in Colorado are consumers ages 40 to 59. In Colorado, this age group made up 51.8% of the complaints filed with the IC3.

To avoid falling victim to a cybercrime, the BBB offers the following tips:

· Protect your computer – A computer should always have the most recent updates installed for spam filters, anti-virus and anti-spyware software and a secure firewall.

· Shop on trustworthy websites – Shoppers should check with the BBB to determine the seller’s reputation and record for customer satisfaction.

· Protect your personal information – Take the time to read the site’s privacy policy and understand what personal information is being requested and how it will be used. If there isn’t one posted, it should be taken as a red flag that personal information may be sold to others without permission.

· Beware of deals that sound too good to be true – Offers on websites and in unsolicited e-mails can often sound too good to be true, especially extremely low prices on hard-to-get items.

· Beware of phishing – Legitimate businesses do not send e-mails claiming problems with an order or an account to lure the “buyer” into revealing financial information. If a consumer receives such an e-mail, BBB recommends picking up the phone and calling the contact number on the website where the purchase was made to confirm that there really is a problem with the transaction.

· Confirm your online purchase is secure – Shoppers should always look in the address box for the “s” in https:// and in the lower-right corner for the “lock” symbol before paying. If there are any doubts about a site, BBB recommends right-clicking anywhere on the page and select “Properties.” This will let you see the real URL (website address) and the dialog box will reveal if the site is not encrypted.

· Pay with a credit card – It’s best to use a credit card, because under federal law, the shopper can dispute the charges if he or she doesn’t receive the item. Shoppers also have dispute rights if there are unauthorized charges on their credit card, and many card issuers have “zero liability” policies under which the card holder pays nothing if someone steals the credit card number and uses it. Never wire money and only shop locally on sites like Craigslist.

· Keep documentation of your order - After completing the online order process, there may be a final confirmation page or the shopper might receive confirmation by email. The BBB recommends saving a copy of the Web page and any emails for future reference and as a record of the purchase.

· Check your credit card statements often – Don’t wait for paper statements; the BBB recommends consumers check their credit card statements for suspicious activity by either calling credit card companies or by checking statements online regularly.

· Know your rights – Federal law requires that orders made by mail, phone or online be shipped by the date promised or, if no delivery time was stated, within 30 days. If the goods aren’t shipped on time, the shopper can cancel and demand a refund. There is no general three-day cancellation right, but consumers do have the right to reject merchandise if it’s defective or was misrepresented. Otherwise, it’s the company’s policies that determine if the shopper can cancel the purchase and receive a refund or credit.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Local Better Business Bureau Celebrates 60th Anniversary

2/23/2011

Posted on 2/23/2011 by

Denver, CO – February 23^rd, 2011 – In 1951, the Better Business Bureau was officially launched in Denver with the help of a committee designed by the Denver Chamber of Commerce. At this time Denver was the only city of its size without a BBB.

On Friday evening, February 25^th, the organization joins many others that are also acknowledging milestones in a celebration of “marketplace endurance”. The party aims to honor Colorado organizations that have continued to thrive despite setbacks and tough economic times.

For the past sixty years, the BBB’s services to the public have continued to grow and diversify to meet the needs of local communities. The BBB has survived many difficult eras and obstacles and credits its endurance to loyal public support and its timeless mission to lead the way in advancing marketplace trust.

“We are so thankful to a community that has helped ensure the BBB’s success for the past sixty years,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Our lasting presence is due to the business and nonprofit sectors that embody our mission and support our organization, and to the consumer sector that has consistently turned to us for advice and help.”

The celebration is open to the public and will carry a 1950s theme in honor of the local BBB’s founding year, 1951. It will feature memorabilia, music, food, drinks and fashion from the era. To purchase tickets, sponsor or get more information visit http://denver.bbb.org/60th-anniversary.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

60th Anniversary Party

2/22/2011

Posted on 2/22/2011 by Collin Dunlavey
Come help us celebrate 60 years of service and commitment by joining us at the Denver Hyatt Regency Convention Center on Friday feb. 25th. Well will be shaking the walls doing the twist and enjoying some of our favorite activities from the 50's. Get dressed up in your best cocktail attire from the 50's and come check out vintage cars, classic photos, and an "old school" way to party. One ticket gets you a dinner, 2 cocktails, and a heck of a good time! For more information or to purchase tickets visit out events page @ http://denver.bbb.org/60th-anniversary

We look forward to seeing your best dance moves and enjoying a great event with you!!!

Window Company Disappears With Customer Deposits

2/18/2011

Posted on 2/18/2011 by

Denver, CO – February 18^th, 2011 – A company called High Country Window & Door has suddenly gone out of business. According to many complaints received by the BBB in early 2011, the company took down payments for windows and doors but did not deliver. Now the company cannot be found and many consumers are out thousands of dollars.

Some consumers claim that the company sent them a letter in early February telling them they had gone out of business and that their order was sent to another company. Consumers state that the letters do not give any contact info about the company that is now handling their orders nor about their deposits.

One consumer from Centennial claimed that when he tried to contact the company that was said to be handling his order now; they had no record of any such order.

“I paid a deposit of $1,825.53,” describes another consumer from Boulder. “They sent a letter dated Feb. 1 saying that they had gone out of business. There was no mention of my deposit, and their phones have been disabled. This appears to be a case of fraud, and I suspect that others may have the same problem.”

On Wednesday, February 9^th John Schwaderer with High Country Window & Door contacted the BBB and requested his and his wife’s names to be removed from the BBB report. The BBB asked who should be listed for consumers to contact and a response has not yet been received.

The company began business in 2006 and didn’t receive any BBB complaints until January 2011.

The BBB cannot process complaints against companies once they’ve gone out of business. Consumers are recommended to contact their county’s small claims court or a private attorney. If the company has filed for bankruptcy, the U.S. Bankruptcy Court may be of assistance.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

BBB Invites Marketplace to Celebrate Milestones

2/10/2011

Posted on 2/10/2011 by

Denver, CO – February 10^th, 2011 – As the Better Business Bureau Serving Denver/Boulder celebrates the 60^th anniversary of its local founding, the organization asks all members of the business and nonprofit community to celebrate with them.

In light of a difficult economic period, the BBB is seeking to highlight the endurance of unwavering organizations that have stood the test of time. The BBB wants the marketplace to show that it can and will continue to survive trying eras. Not only will the BBB be celebrating their own anniversary, but many other organizations that have milestones in 2011 will also be in attendance.

“We are so thankful to a community that has helped ensure the BBB’s success for the past sixty years,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “This is not just a BBB anniversary party. It is a celebration for all organizations in the entire Denver/Boulder metro area that continue to thrive despite tough times.”

The event is expected to not only be inspiring but entertaining and nostalgic as well. Being that the local BBB opened its doors in 1951; the entire party will be centered on a 1950s theme. Attendees are invited to don 50s cocktail attire and will be treated to 50s music, food and even old-fashioned candy from the era.

Plenty of historic memorabilia will also be on display such as milk bottles from Robinson Dairy, baseball mitts from Dave Cook Sporting Goods, an old typewriter from the Denver Press Club and even a Ford Model-T from O’Meara Ford Center.

The party kicks off on Friday, February 25^th, 2011 at 6:00pm at the Hyatt Regency Convention Center Hotel in downtown Denver. It is open to the public and tickets are now available. Please visit http://denver.bbb.org/60th-anniversary or call (303) 996-3997 for more information and to purchase tickets.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Need a Valentine? Beware of Dating Service Rip-Offs

2/7/2011

Posted on 2/7/2011 by

Denver, CO – February 7^th, 2011 – Looking for love online or through a traditional dating service may seem like an easy way to spice up your social life or find a Valentine this year, but consumers tell the Better Business Bureau (BBB) that some companies have left them frustrated, disappointed and in some cases even threatened.

More than 50 consumers filed complaints about dating services with the BBB Serving Denver/Boulder in 2010. Complaints concerned many problems including billing issues, lack of promised services, trouble cancelling memberships and other customer service issues.

Customers of a BBB F-rated company called Cupid.com based in Centennial allege that the company continues to charge credit and debit cards after accounts have been cancelled, amongst other billing issues.

Two other companies that have F ratings with the BBB, both with similar names and seemingly based in Aurora, Fun For Singles and Fun 4 Singles are accused by complainants of taking membership fees and not providing services. Complainants state that they sign up with the company to attend events they host for their members, but the events always get cancelled at the last minute.

Other recent complaints about a company in Denver allege that personal information has been compromised and that someone is harassing and threatening customers. The company is currently not rated and the BBB is awaiting the company’s response to these complaints.

The BBB offers the following advice on matchmaking and online dating services:

Don’t fall in love with the advertising. Be skeptical of claims such as “an exclusive network of people,” “for sincere daters only” or “beautiful singles just like you.” The BBB’s National Advertising Division recently decided a case between rival online services, requiring one to stop advertising that its methods were based on “the latest science of attraction.”
Don’t give in to high-pressure sales tactics. Sales associates may tell you that a low price is only good for that day and ask you to sign a contract immediately. You should take the contract home, read it carefully and make sure you understand what you are signing and paying for.
Know how to break up. Consumers should not assume that they will stop being billed once the contract runs out. Many online dating sites automatically renew memberships. Usually you must call the company or send written instructions to avoid being billed again. Know in advance what you need to do to cancel.
Beware of demands by a match to send money. Some scams that match men with foreign women typically include a request to send money to pay for a trip to the United States, using a wire service like Moneygram or Western Union. The woman never makes the trip, and the money can’t be recovered. Similar scams are also operated by scammers pretending to be military service members.
Read and understand privacy and security policies. Make sure the company makes such policies available on their Web site or to you in writing. Understand how your information is collected and protected.
Do your homework. Ask to speak to other members or customers of the service about their experiences.
Check the company’s BBB Reliability Report by visiting www.denver.bbb.org or by calling (303) 758.2100.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Don't Get Sucked in By Deceptive Air Duct Cleaners

2/3/2011

Posted on 2/3/2011 by

Denver, CO – February 3^rd, 2011 – Local ads offering a low price on air duct cleaning can seem like a great deal with minimal risk. While most companies are on the straight and narrow, the Better Business Bureau warns consumers to beware of air duct cleaning businesses that employ bait and switch tactics, use unqualified technicians or try to scare the homeowner into thinking they have a serious health-threatening mold problem.

According to the U.S. Environmental Protection Agency, a careless or inadequately trained service provider can damage your ducts or heating and cooling system, possibly increasing your heating and air conditioning costs or forcing you to undertake difficult and costly repairs or replacements.

“Most of us aren’t experts when it comes to maintaining the mechanical components of our house and we have to rely on the opinion of the technician,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Unfortunately, some companies are taking advantage of that trust by misleading customers and doing substandard work, if any.”

Customers are baited with low advertised prices, generally through mass mail or local newspapers for duct cleaning services. These ads typically offer a whole house cleaning package for a very low price but once they arrive at the home, the consumer is quoted a much higher price.

When looking for a professional to clean out air ducts, the BBB consumers to:

Check the company out with the BBB. Before scheduling a visit, check the company out with your Better Business Bureau first. Pay close attention to the name of the business you’re researching because unscrupulous outfits often choose a name that is similar to an existing business that has a solid reputation. To check out a company’s Reliability Report or locate a BBB Accredited duct cleaner visit www.denver.bbb.org or call (303) 758-2100.
Look for the fine print. Ads and contracts may contain fine print which the business might think will absolve them from honoring their advertised price. Always ask plenty of questions and get to the bottom line of what it’s going to cost you before they come out and before you sign on the dotted line.
Get a second opinion. If the duct cleaner discovers that you have a mold problem, get a second opinion. Mold remediation can cost thousands of dollars so you’ll want expert advice on how to take care of it.
File a complaint with the BBB. If you believe you’ve been misled by a business, file a complaint with your BBB online. Even if the BBB isn’t able to resolve the issue for you, the complaint can serve as a warning to other consumers about the business.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

'Hope for Car Owners' LLC Leaves Consumers Hopeless

1/25/2011

Posted on 1/25/2011 by

Denver, CO – January 25^th, 2011 – Loan modification scams have been problematic for a long time and have all but died down recently. A lot of offers are for modifications on mortgage loans but swindlers prey on those who have trouble making their car payments as well. One company based in California called, Hope for Car Owners, LLC has recently been the subject of a pattern of complaints and advertising concerns.

Complainants claim that after they paid the company $200-$400 in advance fees for a car loan modification, they were instructed by the company to avoid contact with their lender and in some cases, to hide their car from repossession agents. All consumers alleged that the loan modifications were never performed and that they were unable to obtain refunds from Hope for Car Owners LLC.

At least one victim is from Colorado. Her complaint states, “I have yet to receive the services even for the 1 car that they have the payment for.” The company did not respond to her complaint. The F-rated company currently has 21 complaints on file for the BBB’s three year reporting period, 20 of which were filed within the last year and 11 of which were not answered by the company.

The company’s Web site, www.carloanmod.com claims to have saved thousands of consumers millions of dollars. They profess to have a 99% success rate and offer a “No Dispute Money Back Guarantee” even though their contract states that retainer fees are “non refundable.” The company was unable to provide proof to the BBB for their advertised 99% success rate or proof that the customer testimonials advertised are supported by actual customers.

Consumers who are at risk for having their vehicle repossessed should take the following advice from your BBB:

· Do not stop communicating with your lender. Try to work out a plan with them directly.

· If interested in loan modification services, be very cautious when hiring a company. Check them out with the BBB first (visit www.denver.bbb.org) and meet with them in person. Get everything in writing and make sure you understand the contract thoroughly.

· Beware of any company that advices you to cease communication with your lender, requires advance fees and/or makes promises that sound too good to be true.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

For-profit Colleges Rise, Use Caution When Applying

1/19/2011

Posted on 1/19/2011 by

Denver, CO – January 19^th, 2011 – According to the U.S. Government Accountability Office (GAO), enrollment in for-profit colleges has grown from about 365,000 students to almost 1.8 million in the last several years. The popularity of these colleges may be due to specialized industry and accelerated degree programs that are often offered. While these options have gained popularity, a recent investigation by the GAO found that some colleges have misled students about the cost and quality of the education they will receive.

“If 2011 is the year for you to start seriously considering starting college or going back to school, there are many options out there to choose from and it’s very important to go about this venture carefully,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Make sure that any previous college credits will transfer over and avoid any college that shows any signs of common red flags.”

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

· The recruiter uses high-pressure sales tactics. A reputable school will take the time to answer your questions, allow you to talk to a financial aid advisor and not push you into making a hasty decision.

· The recruiter exaggerates potential income or guarantees a job. Beware of any school that guarantees you will get a job after completing their program. Landing a job is never a sure thing, especially in this economy.

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

· The school is not accredited. Accreditation is extremely important, but not always easy to confirm. Ask the school’s representative about national and regional accreditation and then confirm with the accrediting organization. You can check with the US Department of Education at http://ope.ed.gov/accreditation for more information.

· The degree or program seems too easy to obtain. Diploma mills pose as online schools and often promise to give you a cheap and easy degree. Unfortunately, such diplomas aren’t worth the paper they’re printed on and won’t be recognized by the military, employers or other colleges.

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

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

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Don't Get Ripped Off By Gyms or Health Product Sellers

1/12/2011

Posted on 1/12/2011 by

Denver, CO – January 12^th, 2011 – In the New Year, advertisements for fitness centers and health products saturate all advertising mediums. Joining a gym may be a great idea but the BBB warns consumers not to be lured into something that isn’t right for them by high pressure sales tactics.

Consumers are also often are persuaded into buying diet pills, treatments or “cures” with the promise of better health, fitness or appearance. However, many of the products are not regulated by the U.S. Food and Drug Administration and may be ineffective or even harmful.

In 2010, consumers filed 71 complaints with the BBB in Denver/Boulder against health clubs and hundreds more against companies that offer diet and medical products. Consumers alleged that companies used misleading advertising, improperly charged credit cards and in the case of some health clubs, closed abruptly.

The BBB advises anyone who is looking to lose weight or just be healthier in 2011 to:

Check any company with the BBB first at www.denver.bbb.org or by calling (303) 758-2100.
Read contracts, terms and conditions very carefully. When online, sometimes these terms are not properly disclosed and are hidden in a link titled, “How It Works” or something similar.
Do not be high-pressured into buying or signing up. Only commit to what is practical and affordable to you.
When choosing a gym, it may be best to start out with a month-to-month contract instead of paying a lot up front for something long term. If you choose to sign a long-term, prepaid contract, make sure you are at a gym that is well-established and not likely to suddenly close its doors.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Work-At-Home Scams May Surge in the New Year

1/5/2011

Posted on 1/5/2011 by

Denver, CO – January 5^th, 2010 – Scams that offer easy jobs for great pay have been around for a long time and have involved many different tactics over the years. The country’s high unemployment rate has also caused this common scam to grow and evolve.

“Anyone who wants to work from home or make some extra cash in the New Year needs to know that most work-at-home offers are fraudulent,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Avoid anything that is seems too good to be true and requires money from you up front.”

One such work-at-home company has recently advertised in the Denver Post according to someone who recently called the BBB’s office. The company is called Home Employment Agency and they are based out of Henderson, Nevada. They offer jobs as “auction listing agents.” This is currently a common type of offer in the world of work-at-home scams. The BBB in Las Vegas gives them an F rating for operating without a license, complaint volume and 9 unanswered complaints among other factors.

Complaints to the BBB about this scheme are very typical of a work-at-home scam. Job seekers allege that they send money, (approximately $50 plus shipping and handling) to receive materials needed to complete the job; they do not receive what’s promised and/or do not make the earnings advertised and cannot get a refund from the company.

Anyone wanting to work from home should note of the following:

· First, always check out any offers with the BBB first. Most work-at-home offers have F ratings and several complaints.

· Be wary of any offer that requires an up-front fee.

· Don’t respond to any such offer that involves wiring funds, especially to a foreign location.

· Don’t feel assured by any kind of money-back guarantee. BBB complaints nationwide indicate you will likely never get your money back.

· Don’t ever give your credit card number or identifying information over the phone to someone you didn’t call and check up on yourself.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Puppy Scam

12/29/2010

Posted on 12/29/2010 by Collin Dunlavey

Puppy Scam

It seems that even trying to buy a family pet these days we leave ourselves open for humility. A recent story heard by the Denver/Boulder BBB left a family hoping for a puppy, and receiving nothing. A recent leak about “African E-Mail Scams” has said to lead people and families along with the promise of a good deal on a pure-bread puppy, and in return leaving them in a state of confusion and sadness. The email promises a chance to buy and receive a puppy via airplane for a flat rate. They ask you to wire the money and in return you will receive your puppy in a few days. All you receive is a feeling of deception and cruelty. Recently a Ft. Collins family has fallen victim to this cruel scam and told their story. The full story can be found on Fox 31’s website http://www.kdvr.com/videobeta/3985faa1-6357-4aba-b642-e9a413142b0d/News/Ft-Collins-family-deceived-by-online-puppy-scam

Your Denver/Boulder BBB has also put their heads together to come up with a few precautionary tips when found in a tricky situation such as this. Check them out at http://denver.app.bbb.org/tips?id=90123658&gid=100&gen=100&lid=1

Please feel free to comment on a recent story you’ve heard or on this one. We’re here to listen.

Denver-Boulder BBB's Top 10 Scams of 2010

12/29/2010

Posted on 12/29/2010 by

Denver, CO – December 29^th, 2010 – As the year comes to an end, the Better Business Bureau Serving Denver/Boulder reflects on 2010’s most prevalent local marketplace problems. Here is its annual “Top 10” list of scams:

#1: Roofing scams

Again this year, we saw roofers or people acting as roofers take down payments and never start work or in other cases, never finish work that was started. There were many other problems in the industry as complaints to the BBB against roofers rose over 400% in 2010 compared to 2009.

#2: Phony debt collectors

The BBB received many calls from consumers in 2010 stating they were being harassed about debts they did not owe or already paid. Many of the people behind these calls were criminals pretending to represent collection agencies. This was seen in many other regions of the nation as well.

#3: Free trial offers

Companies that offer “free” trials continue to rack up complaints for charging for the free trial and not clearly disclosing the terms and conditions behind the offer. Be very diligent before signing up for such offers.

#4: Grandparent scam

The grandparent scam continues to claim victims. Beware of calls from scammers pretending to be a grandkid in distress that needs money wired to them to get them out of jail or flown back home. This was a very common scam in our area and across the nation.

#5: 876 Jamaican sweepstakes scam

Many inquirers contacted the BBB about calls coming from a Jamaican area code: 876, offering prize money. Some of these callers even pretended to be representatives of the BBB. They instructed people to wire a certain amount of money in order to receive prize money. Sweepstakes scams are extremely common and take on many forms. Never, ever wire money to someone you don’t know and trust.

#6: Mail fraud

Mail fraud continues to be a main topic of inquiry calls into the BBB. These are typically sweepstakes offers or job offers that contain fake checks and instructions to wire transfer a certain amount of funds in order to receive fictitious funds.

#7: Door-to-door scams

Scams in the form of door-to-door solicitations continue to be a problem in the metro area. Beware of shady contractors, alarm sales, magazine sales and anyone who uses high pressure. Always say, “I’ll take your information and contact you if I’m interested.” Then use that information to check them out with the BBB.

#8: Craigslist scams

Craigslist continues to be saturated with scammers. Employment scams and real estate rental scams were prevalent in 2010. Be very careful when making transactions on Craigslist and always read their fraud page as it is often updated with the latest scams.

#9: Debt relief scams

Unscrupulous companies and scammers wreaked havoc on those suffering in a down economy by offering debt relief or debt elimination, charging high up-front fees and little or no results. Hopefully the FTC’s recent laws banning upfront fees before promises are met will break down this scam in the coming years.

#10: Advance fee loans

Offers for loans in exchange for an advance fee continued to be an issue in 2010. Many are just scammers hiding behind Web sites that use fraudulent Colorado addresses and 800 numbers, (many of which are tracing back to Canada). Consumers are told they need to provide a large fee before the loan will be deposited into their bank account. Once the consumer sends this money, (usually via wire transfer), they never get their loan and can’t get a hold of the “company”. Avoid any such transaction.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Community Helps BBB Raise Money for Homeless

12/22/2010

Posted on 12/22/2010 by

Denver, CO – December 22^nd, 2010 – The Better Business Bureau Serving Denver/Boulder (BBB) periodically embarks on initiatives to help out fellow nonprofit organizations. The holiday season is always a time for the BBB to do just that and in the past it has conducted canned food and gift drives for children. This year, it chose to help raise money for Denver Rescue Mission to help ensure the homeless have a meal during the holidays.

This year’s fundraiser was designed around the idea of helping Denver Rescue Mission provide turkey dinners to those less fortunate and was tagged, “Feathers to Feed Those in Need”. For every $10 donated, a feather with the donor’s name and company name was added to a friendly turkey displayed in the front window of the BBB’s office.

All members of the community, many of whom were business owners, were extremely responsive and donated a total of $2,215. The fundraiser ran from November 29^th through December 17^th.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Do’s and Don’ts of Giving and Receiving Gift Cards

12/20/2010

Posted on 12/20/2010 by

Denver, CO – December 20^th, 2010 – According to the National Retail Federation (NRF), $23.6 billion was spent on gift cards during the 2009 holiday season with an average of $40 spent per card. The two most popular categories for gift cards were restaurants and department stores. It’s no wonder why gift cards are all the rage; they are simple, fun and almost always guaranteed to please.

Unfortunately, in a down economy some consumers may try to cut corners and purchase “discounted” gift cards from auction Web sites. According to the Internet Crime Complaint Center (IC3) gift cards bought from such sites or classifieds often turn out to be fraudulent or stolen.

BBB’s do’s and don’ts for giving gift cards:

o Don’t from online auction sites – only buy gift cards from reputable retailers. Gift cards sold at online auction sites are more likely to be counterfeit or obtained by fraudulent means. It’s even possible these cards could have no value when purchased.

o Do read the terms and conditions that are required to be clearly disclosed on the card’s packaging prior to purchasing. Understand any associated fees and expiration dates.

o Do give the recipient the original receipt to verify the card’s purchase, in case it’s lost or stolen.

BBB’s do’s and don’ts for receiving gift cards:

o Do treat your card like cash. If it’s lost or stolen, immediately report it to the issuer.

o Don’t wait to use your card. It’s not unusual to misplace gift cards or to forget you have them. Using the card early will ensure you get its full value, as some terms deplete the balance over certain time period.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Over 1,500 Merchants to Participate in Free Shipping Day

12/16/2010

Posted on 12/16/2010 by

Denver, CO – December 16^th, 2010 – Need that last minute gift? Have no fear – Friday, December 17^th, 2010 is Free Shipping Day! More than 1,500 participating merchants will offer free shipping to customers, guaranteed to arrive by Christmas Eve.

Free Shipping Day became an annual event after creator Luke Knowles established it in 2008. In 2009, more than 750 merchants participated, and this year, the number has already grown to over 1,000. Knowles’ goal for 2010 is to push free shipping sales to over 50,000.

Some of the merchants already signed up to participate include Sears, Macy’s, Barnes and Noble, Apple Store and Toys R Us among others.

“The growth of online sales during the holidays is tremendous as seen on Cyber Monday. So it’s no wonder that promotions like Free Shipping Day are becoming more and more popular,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder.

All Free Shipping Day offers will be revealed at 12:00 AM EST on Friday, December 17th, 2010. For more information, visit www.freeshippingday.com.

For tips on safe holiday shopping online, visit the BBB’s news center at www.denver.bbb.org.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Technology Gives Way to Santa Scams

12/15/2010

Posted on 12/15/2010 by

Denver, CO – December 15^th, 2010 – Ways to communicate with jolly old Saint Nick continue to grow. In recent years, Web sites have been established to offer emails to and from Santa as well as many Santa-related products including letters, autographed pictures and even snow from the North Pole. Unfortunately, it has been reported in the past that imposters create similar looking Web sites, take payment and send nothing.

Even sites with the best of intentions need to be looked at closely. More than 60 domain names have been registered in the name of Santa Claus and the Children’s Advertising Review Unit (CARU), a branch of the Council of Better Business Bureaus recommends that adults carefully review sites’ privacy policies to determine who is seeking the information collected, how it will be used and whether it will be shared with third parties.

“Because of the nature of the internet, doing business with Santa online requires just as much diligence as any other transaction,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Make sure these sites are safeguarding the information they collect and check out any Santa site with the BBB first.”

Sending and receiving texts to and from the North Pole is also gaining popularity and it is possible that scams could also crop up as a result of.

The BBB and CARU offer more tips regarding Santa transactions online or via text:

Web sites directed to children should not ask a child to disclose more information than is reasonably necessary to participate in the activity – a first name and email address, for instance.

Limit the personal information children share with Santa and omit physical addresses – Santa already knows where all the children live.

When purchasing text messages or other items from Santa online, check out the site with the BBB first and read very closely the terms, conditions, return and refund policies before making your transaction. Also make sure the site is secure.

For more information on Web site safety and children, please visit CARU at www.CARU.org

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Top 5 Holiday Scams to Watch Out For

12/14/2010

Posted on 12/14/2010 by

Denver, CO – December 14^th, 2010 – The holidays are a joyous time for togetherness and giving, but also a time for fraud. Consumers can fall into any number of traps during this time and become victim to identity thieves, hackers and deceptive merchants online. The Better Business Bureau (BBB) is warning holiday shoppers and donors to look out for five common scams this season.

The following is a list of the top five holiday scams and advice on how to avoid them:

1. Scam shopping sites online

We’re all looking for a great deal online, but some sites offer electronics or luxury goods at prices that are too good to be true. Every holiday season BBBs across the country hear from holiday shoppers who paid for a supposedly great deal online, but received nothing in return.

BBB advice: If it sounds too good to be true, it almost always is. Check out the Web site thoroughly and see if the BBB has a report on the company: www.denver.bbb.org.

2. Finding the season’s hottest toys and gadgets online

3. Identity theft at the mall

While you’re struggling at the mall with bags of presents, identity thieves see an opportunity to steal your wallet and debit or credit card numbers.

4. Bogus charitable pleas

BBB Advice: Always research a charity with the BBB (visit www.denver.bbb.org) before you give to see if the charity meets the 20 Standards for Charity Accountability.

5. Phishing emails

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Moving Brokers Face New Federal Requirements

12/9/2010

Posted on 12/9/2010 by

Denver, CO – December 9^th, 2010 – The Federal Motor Carrier Safety Administration (FMCSA) recently granted a petition by the American Moving & Storage Association (AMSA) to require interstate household goods brokers to abide by a number of rules and consumer requirements already in place for household goods carriers.

“Few, if any, consumers understood the distinction between brokers and carriers, leaving them feeling cheated of their rights,” said Linda Bauer Darr, AMSA president and CEO. “This action by the federal government closes a loophole that too many of these middlemen have been exploiting for years. In some cases, brokers connected consumers with fly-by-night rogue operators, posing as movers, and were ripped off.”

According to the American Moving & Storage Association, the new rule includes requirements that brokers: 1) must include their US DOT number in their advertisements and on their websites; 2) must provide the same consumer information brochures as required of interstate household goods carriers; 3) must make clear their policies on deposits, cancellations, and refunds; and 4) by January 1, 2012, must provide an increased $25,000 surety bond (currently $10,000).

Moving brokers have sprung up in the metro area in recent years and while most do not appear to be problematic, one company called Royalty Relocations has an F rating with the BBB for having unanswered and unresolved complaints as well as a revoked permit from the Colorado Public Utilities Commission. The PUC revoked their permit on November 30^th for cancelling their insurance policy.

Consumers planning a move should take the following BBB advice:

· Check out movers with the Better Business Bureau. BBB reports give information about complaints, time in business, licensing, etc. Visit denver.bbb.org or call (303) 758-2100.

· Do not do business with an intrastate mover that is not licensed with the PUC and do not do business with an interstate mover that is not licensed with the FMCSA. Always verify licenses yourself; do not take the business’ word for it.

· If you hire a moving broker, get the details on who is actually going to do the move and who is responsible for what. Also verify that the broker and the mover meet established and new government requirements.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

"Warning to Veterans!!" Email is a Fake

12/7/2010

Posted on 12/7/2010 by

Denver, CO – December 7^th, 2010 – Someone pretending to be an attorney with the U.S. Department of Veterans Affairs (VA) is sending an email to military veterans “warning” them against using the services of a group called Veterans Affairs Services. BBB Military Line, a complaint resource specialized for the military and their families, has received several inquiries about the email.

The email appears to come from, “Michael G. Daugherty, Staff Attorney with the Department of Veterans Affairs, Office of General Counsel (022G2)”. The email header, however, shows that it was sent by Jon Thompson with an email address: jkt6@comcast.net.

BBB Military Line officials have confirmed with the VA that Michael Daugherty is, in fact, an attorney with the VA Office of General Counsel but did not send the email and that no emails of this nature are being sent by the VA.

It is reasonable to suspect that the email may be an attempt to upload a virus as it contains a Facebook link directly beneath the first paragraph of the message.

The BBB advises anyone who receives this email to not click on the link. You should never click on links in emails that are from unknown sources as they may contain viruses. Such viruses are typically designed to steal private information from your computer. Also, the VA advises veterans seeking the assistance of a VA-recognized service organization for purposes of submitting a claim for VA benefits to search at the General Counsel’s accreditation search page: http://www4.va.gov/ogc/apps/accreditation/index.asp.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

What to Know Before Boarding Pets Over the Holidays

12/6/2010

Posted on 12/6/2010 by

Denver, CO – December 6^th, 2010 – With the hustle and bustle of the holiday season upon us, pet owners may end up leaving their animal at an unreliable kennel if they do not do their homework.

Common complaints to the Better Business Bureau about kennels include disputes over billing, but also over the treatment of the pet. Owners have claimed that their pets were returned to them sick or malnourished.

“For many of us, our pets are like family and leaving them in the care of someone else can be nerve-wrecking and the stress can overshadow your whole trip,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Taking a few moments to do your research and find a kennel you can trust will make your time out of town much easier for you and your pet.”

If you are looking for a reliable kennel, the BBB recommends the following checklist:

Check the kennel out with the BBB first to make sure they have a good track record for keeping customers satisfied. Visit denver.bbb.org or call (303) 758-2100.
Verify that the kennel has a current license with the Colorado Department of Agriculture. Licensed facilities must meet and maintain many requirements involving animal protection and proper care.
Make sure the facility requires that all entering pets have proof of immunization and ask about their policies regarding flea and tick control.
Personally visit the facilities. Check for cleanliness and offensive odors, and note the overall safety of the kennel and cages.
Ask about the feeding schedule, water accessibility and frequency of – or fees related to – exercise.
If your pet is prone to running away, ask about steps the kennel has taken to make their facilities escape-proof.
Ask about the hours for drop off and pick up and make sure you understand their billing policy.
Ask what happens in the case of a medical emergency or other unexpected situation.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

PHOTO attribution license:
http://creativecommons.org/licenses/by/2.5/

Beware of Shady and Imposter Charities This Season

11/30/2010

Posted on 11/30/2010 by

Denver, CO – November 30^th, 2010 – According to the Chronicle of Philanthropy, charitable donations to the largest charities were down 11 percent last year. This is all the more reason why those who can donate need to make sure their contribution ends up going toward the cause they care for and not into the hands of a swindler.

“Despite the fact the money is still tight, people still want to give back and the last thing they want is to be taken by a charity that isn’t trustworthy,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “It’s extremely important to check out charities first and to not make an on-the-spot decision in reaction to an emotional appeal.”

In Colorado, many charity scams tend to appeal to those who want to help military members, animals and children. The BBB often gets calls from people inquiring about organizations supposedly helping the military, for which the BBB cannot find any information on.

Last year around this time, two organizations on the BBB’s radar were especially concerning. One claimed to be an animal rescue group that was not licensed to do any such work with animals and was allegedly cashing adoption deposits without permission. The other was soliciting on Craigslist claiming to help abused children but operates out of an apartment, advertises logos of other charities without permission and is not registered with the Colorado Secretary of State.

To avoid getting taken by an unscrupulous charity or a scammer, follow these tips:

· First and foremost, check out the charity before donating. Get all of their information – name, address, phone number, etc. – and contact the BBB for a charity report. (Visit www.denver.bbb.org and click, ‘CHECK OUT A BUSINESS OR CHARITY’ or call (303) 758-2100).
*The report will tell you whether or not the charity is transparent and has provided important information to the BBB about its use of funds, programs, governance and other background information.

· Make sure the organization has all proper registration and licensing if applicable. All charitable organizations soliciting contributions in Colorado -- with a few specific exceptions listed in the Charitable Solicitations Act -- must have a registration statement with the Colorado Secretary of State.

· Do not ever pay with cash and be wary of charities that want to send a courier or use an overnight delivery service to pick up your donation. Do not ever pay via wire transfer. Requests for wire transfers are always a huge red flag in any scam.

· Do not give donations over the phone. You cannot easily verify who is on the other end. Either donate in person, by mail (to a verified mailing address) or on the charity’s secure and trusted Web site.

· Beware of charities that use names or similar sounding names of well-known and trusted organizations. Always verify they are who they say they are. For instance, if they say they are with the Red Cross, ask which chapter and call directly to verify the solicitor before donating.

· Refuse high-pressure appeals. If the organization is legitimate, they will still need your donation tomorrow or whenever you are ready to give.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

BBB Helps FTC Shut Down Mortgage Company

11/24/2010

Posted on 11/24/2010 by

Denver, CO – November 24^th, 2010 – Thousands of homeowners in distress from across the country have contacted the Better Business Bureau, (BBB) for information on a Halethorpe, Maryland business, Residential Relief Foundation. The Federal Trade Commission, (FTC) recently announced that a federal court had shut-down the company's operations and seized its assets, ending what it alleges were deceptive practices designed to mock government mortgage assistance programs.

The BBB of Greater Maryland’s investigative actions helped bring this case against the company. Its office processed a total of 62 complaints about the business in the last year; four of which were filed by Colorado consumers. At the time of this release, the company’s report had received 2,543 inquiries.

"It's been a difficult economy and many homeowners have been struggling to stay on their feet. That’s when they turn to companies who say they can offer relief," said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. "Unfortunately, with this company many found that despite paying up-front fees, some as great as $1,495, no solution had been offered and foreclosure proceedings had begun."

According to the FTC's website, the defendants associated with Residential Relief Foundation are charged with violating the FTC Act and the FTC's Telemarketing Sales Rule by falsely claiming they would obtain loan modifications and significantly lower mortgage payments for consumers, and that reports they create would enable them to do so. They are also charged with misrepresenting an affiliation with the federal government, falsely claiming to have taken reasonable and appropriate measures to protect consumers' personal information from unauthorized access, and improperly disposing of consumers' information in unsecured dumpsters, in violation of the FTC Act.

A copy of the federal court order against Residential Relief Foundation can be found online at www.residentialrelief.org. A copy of the FTC press release is available at http://www.ftc.gov/opa/2010/11/mortgage.shtm.

BBB Tips for Homeowners on the Brink of Foreclosure

· Avoid up-front fees. A new FTC rule actually bans up-front fees effective December 29, 2010.

· Do not be fooled by clever marketing ploys or seals designed to make the company or its services look like it is part of a government program.

· Try to work out a foreclosure rescue scenario yourself by talking directly with your lender. Explain your situation and ask for a revised repayment schedule.

· Do not sign away the title of your home and make sure you have your own attorney review a contract before you sign.

· Before you endorse a contract to a so-called mortgage rescue company, check visit bbb.org for an indication about the company's history, record of performance and business practices.

Rule Offers New Protections to Help Homeowners

On the heels of the charges against Residential Relief Foundation, the FTC announced a new rule that bans providers of mortgage foreclosure rescue and loan modification services from collecting fees until homeowners have a written offer from their lender or servicer that they decide is acceptable.

The FTC is issuing the Mortgage Assistance Relief Services (MARS) Rule to protect distressed homeowners from mortgage relief scams that have sprung up during the mortgage crisis. Bogus operations falsely claim that, for a fee, they will negotiate with the consumer's mortgage lender or servicer to obtain a loan modification, a short sale, or other relief from foreclosure.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

10 Tips for Safe Online Holiday Shopping

11/22/2010

Posted on 11/22/2010 by

Denver, CO – November 29th, 2010 – According to the National Retail Federation, 79 million people shopped on Black Friday last year, while 96.5 million shopped on Cyber Monday.

Every year from now through Christmas, your BBB receives calls and complaints about confusion, deception and outright fraud in the holiday sale market. On Cyber Monday, online fraud and fly-by-night Web sites are common. To avoid being ripped off by such problems this year, your BBB advises consumers to be proactive and savvy.

Ten BBB tips for online shoppers:

1. Protect your computer – A computer should always have the most recent updates installed for spam filters, anti-virus and anti-spyware software and a secure firewall.

3. Protect your personal information – BBB recommends taking the time to read the site’s privacy policy and understand what personal information is being requested and how it will be used. If there isn’t one posted, it should be taken as a red flag that personal information may be sold to others without permission.

6. Confirm your online purchase is secure – Shoppers should always look in the address box for the “s” in https:// and in the lower-right corner for the “lock” symbol before paying. If there are any doubts about a site, BBB recommends right-clicking anywhere on the page and select “Properties.” This will let you see the real URL (website address) and the dialog box will reveal if the site is not encrypted.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Customers of Weight Loss Product May Receive FTC Check

11/18/2010

Posted on 11/18/2010 by

Denver, CO – November 18^th, 2010 – The Better Business Bureau Serving Denver/Boulder, (BBB) has already received calls about a check received from the Federal Trade Commission, (FTC).

“We constantly warn the public to beware of fake checks received in the mail, some of which fraudulently use familiar names of real companies and organizations to gain the trust of recipients,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “So it’s no wonder people are verifying first before cashing the check.”

Luckily, this check is not, in fact, fake or fraudulent and has been sent to 34,130 consumers from the FTC. According to the FTC, each check is a refund in the amount of $17.89 and is being sent to customers who were deceived into buying “Ab Force” electronic stimulation devices. The FTC says that advertisements for these devices falsely claimed they could help people lose weight.

To avoid being a victim of fraud, it is important to remember that the FTC never requires that money be paid up front, additional information to be provided before consumers can cash their refund checks.

To see the FTC’s entire news release, click here: http://www.ftc.gov/opa/2010/11/telebrands.shtm.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Use Layaway - Don't Let it Use You

11/16/2010

Posted on 11/16/2010 by

Denver, CO – November 16^th, 2010 – Layaway has become increasingly popular with the challenging economic times. Many find it very helpful during the holidays to be able to space out payments. However, putting an item on layaway may result in a loss of money or the item itself if you don’t read the contract carefully.

BBBs around the country have received complaints in the last year from consumers whose layaway purchase did not turn out the way they anticipated.

Consumers mainly place furniture, toys and jewelry on layaway and do so at a variety of stores, including national chains, local retailers and pawn shops.

“It’s important to know the policies up front. For instance, a lot of items might not be eligible for layaway on big sale days so call the store before you head down and stand in line on Black Friday, for instance,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Also, the worst thing that can happen with layaway is the company going out of business. So be sure to only sign up with a reliable retailer.”

The BBB suggests that consumers consider the following when using layaway this holiday season:

Ask the company for a written contract for the layaway and read it carefully. Keep in mind that each company may have a different layaway policy. Check for:

How long the item can be on layaway?

It’s important to know that some items have a time limit and once that time is up, the item is returned back to the store for someone else to purchase.

Will the item be placed in a hold area until all payments are made?

If the item is not held for you, it may be inadvertently sold to another customer.

Is there a specific date when each payment must be made?

The contract may specify when payments must be made and that, if a payment is not made by that date, the layaway item can be sold to another consumer.

What is the company's refund policy? Is there a restocking fee? Will only a store credit be issued? Are no refunds available?

When putting on layaway a product that is not in stock, is the product ordered when the layaway is opened or when the last payment is made?

Consumers report that even after the last payment is made the product is not available, as it is then ordered and sometimes is delayed for weeks or months.

· Delivery timeframe should be determined up front.

Consumers report that after the last payment, delivery has been delayed due to the product not being available or other consumers having their delivery dates scheduled before layaway customers.

Is there a fee to use the layaway program? If so, how much is the fee and is it refundable?

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

President of Denver BBB and President of Nat'l BBB Address BBB Ratings

11/15/2010

Posted on 11/15/2010 by

Click here to see president and CEO of the BBB Serving Denver/Boulder, Dale Mingilton interviewed by 7News:

http://www.thedenverchannel.com/video/25778873/index.html

Click here to see president and CEO of the Council of Better Business Bureaus, Steve Cox's video message:

https://www.bbb.org/bbbinformationcenter/#ooid=F5c3B0MToaTnh8xNLL0RxtIRnXdhj0dT

‘Tis the Season for Giving But Do Your Homework First

11/15/2010

Posted on 11/15/2010 by

Denver, CO – November 15^th, 2010 – During the holidays, many are compelled to give to charities. Unfortunately, donations aren’t always allocated as the donor intends and some charities are outright scams. The Better Business Bureau provides detailed reports on charities to help donors make confident decisions and avoid the pitfalls of blind philanthropy.

“Despite the downturn in the economy, people are still looking for creative or small ways that they can give back and support those who are even less fortunate over the holidays,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “However you decide to give, it’s important to stop and take the time to research the charity thoroughly to make sure that your dollar stretches the farthest it can in this tough economy.”

BBB Charity Reports are different from the BBB’s reports on businesses. Charities reports do not have ratings; instead they provide results of a review that tells the public information not only about how the charity handles its money, but about its programs, effectiveness, board oversight, fundraising, etc. These aspects are reviewed in accordance with the BBB’s twenty Standards for Charity Accountability.

If a charity does not provide the BBB with this information, it is stated in the report. If the charity meets certain standards but not all twenty, the standards they do not meet are explained in the report.

Locally, the BBB has 620 reports on charities, 123 of which meet the twenty standards.

To check out a charity, please visit www.denver.bbb.org and click on, “Check Out a Business or Charity” or call (303) 758-2100. Look for more wise giving tips from your BBB in the coming weeks.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

President of Denver BBB and President of Nat'l BBB Address BBB Ratings

11/15/2010

Posted on 11/15/2010 by

Click here to see president and CEO of the BBB Serving Denver/Boulder, Dale Mingilton interviewed by 7News:

Beware of Fax Scam from Fake Marine

11/11/2010

Posted on 11/11/2010 by

Denver, CO – November 11^th, 2010 – On a day when U.S. citizens are paying homage to the country’s military, a scammer appears to be taking note and pushing a fax scam hoping a patriotic person will fall for it.

A fax, similar to the common and infamous Nigerian letters was sent to the Better Business Bureau’s Denver office this morning. The sender uses the guise of, “Corporal Robert Barnes, a US Marine serving in Afghan.” He asks for help in “securing” $11.5 million in cash his unit supposedly discovered in the mansion of a militant ruler during a raid.

The fax asks for the recipient’s full name, address to where the box of money can be delivered and a private phone number. It offers fifteen percent of the total cash to whoever will help them once the “mission is accomplished”. The sender leaves only an email address to be contacted at: robertbarnes@infantrymarine.com. He says that once he receives a positive response with the initial info requested, further instructions will be given.

Given the nature of other such scams, it’s safe to assume that the “further instructions” will involve giving bank account information and/or the wiring of funds to the scammer. The bottom line is: no one is going to legitimate funds from this scammer.

Anyone who receives such a fax is encouraged to not respond and to notify the Colorado Bureau of Investigations: 303 239-4300 / www.cbi.state.co.us

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

How to Land a Seasonal Job Over the Holidays

11/8/2010

Posted on 11/8/2010 by

Denver, CO – November 8^th, 2010 – Many job hunters will get an early present this year as retailers are increasing the number of hires for the holiday season. Competition for these jobs will likely be fierce, and the Better Business Bureau recommends applying early and taking steps to put your best foot forward.

According to the Los Angeles Times, many retailers are looking for more seasonal employees this year than in previous years. Toys R Us alone is hiring 45,000 holiday employees and other retail giants are hiring 20 or even 30 percent more seasonal staff than last year. According to the outsourcing firm, Challenger, Gray, and Christmas, as many as 600,000 people are expected to get holiday jobs this year.

“The holiday season will create a very welcome bump in the number of job openings, particularly in the retail and restaurant industry,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “While the jobs are usually temporary, this is great news for struggling families and people who have had problems finding work.”

The BBB offers the following advice for job hunters this holiday season:

Start the job search earlier rather than later. The key to landing a seasonal job is to start searching early. Retail, shipping, restaurants and catering companies are common sources of seasonal employment and now is the time for job hunters to determine which position suits them best, identify companies they’d like to work for and then begin submitting applications and resumes.

Work where you shop. Try to identify seasonal employment with businesses you actually shop at or frequent. You will already be familiar with the company and its products and, secondly, discounts available for employees mean significant savings when shopping for Christmas gifts. Discounts can range from 20-40 percent for seasonal employees.

Put your best foot forward. Even if you are just picking up an application at stores in the mall, dress your best and be prepared for an 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 skills—which is a must when dealing with stressed-out shoppers, long check-out lines and day-after-Christmas returns.

Be flexible. Full-time employees usually have first dibs on the preferred hours and shifts, so, as a seasonal employee, expect to work long, sometimes inconvenient hours including working on Thanksgiving and Christmas Eve. If this is a second job in addition to your day job, be upfront and clear with your new employer about your available hours.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Five Steps to Create and Keep a Holiday Budget

11/3/2010

Posted on 11/3/2010 by

Denver, CO – November 3^rd, 2010 – According to a survey by Consumer Reports, shoppers planned on spending about $699 over the holidays last year, but, in a follow-up survey, admitted to actually spending closer to an average of $811, 16 percent more than planned. Creating a budget, and being disciplined enough to follow it, is one of the best ways to avoid overspending during the holidays.

“While it isn’t the most festive way to spend an evening, sit yourself down and crunch the numbers, because tough economic times mean that you literally can’t afford to spend with abandon,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Building a budget and sticking to it over the holidays will prevent a painful financial holiday hangover.”

Step One: Consider your Income. The first step is to measure how much money is coming in. Add up your monthly salary along with your spouse’s and any child support payments, dividends or interest payments and other sources of income.

Step Two: Add up regular monthly expenses. Adding up expenses is usually harder than determining your income because there are so many more factors to consider. Start with your rent or mortgage, utilities and credit card payments. Also factor in other expenses for gas and car maintenance, healthcare and groceries.

Step Three: Estimate Extra Holiday Expenses. A lot of little purchases have a way of adding up over the Holidays and it’s important to consider all of the expenses of the season including:

Gifts - Make an itemized list of everyone you want to buy presents for and estimate how much you’re willing to spend for each. This includes presents for family, friends and coworkers. Also consider the cost for holiday cards and postage.
Entertaining - Entertaining is big over the holidays. Think about who you’ll be having over and also budget for any food or beverages you might need to bring to someone else’s party. Also consider the costs for eating out and going to the movies—both popular expenses over the holidays.
Decorations - Take stock of what you already own and then consider any additional spending you might need to make for a tree, lights, ornaments, wrapping paper, etc.
Travel - If you’re heading out of town for the holidays, consider the cost of travel including any car maintenance or pet boarding if applicable.
Charitable Donations - The holidays are a time of giving, so budget in how much you plan on donating to a worthy cause. You can learn more about being a savvy donor from the BBB Wise Giving Alliance at www.bbb.org/charity.

Step Four: Revisit, evaluate and revise your budget along the way. Once you’ve added up your income and your expenses, it’s time to compare. If more is going out than coming in, it’s time to go back over your budget and pare down expenses. Consider giving fewer gifts or less expensive ways of entertaining. Last year’s decorations are also probably just fine. Once you’ve balanced your budget, revisit it frequently over the holidays to make sure you’re sticking to it. You might find that you over estimated in some categories and underestimated in others.

Step Five: Reward yourself. Work into your budget a small reward that you can earn if you meet your goals. If you don’t meet your goals, you can guess where that money is going instead: Paying off your credit card bill in January.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Debit and Credit Card Skimming is on the Rise

10/28/2010

Posted on 10/28/2010 by

Denver, CO – October 28^th, 2010 – Arapahoe County’s District Attorney recently issued a consumer alert about debit and credit card skimming in response to increased reports about the crime.

Card skimming is a crime that involves the, ‘skimming’ or stealing of information implanted in your card’s magnetic strip. This is accomplished when a criminal attaches a device at the mouth of a card-acceptance slot that records the data on your card as you slide it in. The criminal returns to the ATM or gas pump at a later time to collect the device containing all of the stolen account information.

According to a recent article in Shop Smart Magazine, this scam is becoming even more sophisticated. The article quotes Brian Krebs, a computer security expert who says that criminals no longer have to return in person to collect the device and that the information can be sent to them wirelessly via text message.

“Paying for gas using a card and using ATMs are such common transactions. With this crime increasing and becoming more refined, consumers need to be very cautious when making these transactions and extremely vigilant of their accounts,” says Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder.

The BBB offers the following tips when using ATMs or paying for gas by card:

· Use your credit card at the gas pump instead of your debit card. This way, if you become victimized you haven’t lost the money directly. You can contact your credit card company and they will get the fraudulent charges removed. If money is stolen directly from your bank account, this could have much worse consequences for you and getting the money replaced could take quite some time.

· Avoid using ATMs that are not located at a bank. These ATMs are often less secure so thieves have more opportunity to tamper with them.

· Look closely at the machine you are putting your card into. If it appears compromised in any way, (i.e. plastic sticking out, anything out of the ordinary attached) do not use it.

· If your card gets stuck in machine, do not leave the area. Call your bank right away and report the issue.

· Monitor your accounts daily for any fraudulent activity. The sooner you detect fraud, the better off you will be at resolving it quickly and keeping it from continuing.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

New Laws to Fight Deceptive Debt Relief

10/20/2010

Posted on 10/20/2010 by

Denver, CO – October 25^th, 2010 – Good news for those struggling to pay their bills: all of the new Federal Trade Commission regulations to help protect financially-desperate families from deceptive offers for debt relief will go into effect on October 27^th. While the new rules will have a significant impact on reducing predatory debt relief, the Better Business Bureau, (BBB) advises consumers that they still need to use caution when enlisting the help of a third party to get out of debt.

Since the start of the recession in December of 2007, the BBB has received more than 6,000 complaints nationwide from consumers about debt relief or debt settlement companies. Typically, complainants say they were charged large up-front fees in exchange for the empty promise that the company would significantly reduce or eliminate their debt.

“The debt relief industry has flourished in the current economy and you can bet that many unscrupulous companies are feverishly trying to figure out ways to get around the new laws, such as relying less on telephones to solicit new customers,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “While these new rules provide effective new protections, consumers still need to be on the lookout for deceptive debt relief services.”

Under the new rule, any company that solicits debt relief services over the phone, (including taking incoming calls from new customers) will not be able to charge upfront fees until:

the debt relief service successfully renegotiates, settles, reduces, or otherwise changes the terms of at least one of the consumer’s debts;
there is a written settlement agreement, debt management plan, or other agreement between the consumer and the creditor, and the consumer has agreed to it; and
the consumer has made at least one payment to the creditor as a result of the agreement negotiated by the debt relief provider.

Additionally, debt relief providers cannot require that consumers set aside payments in a “dedicated account” unless:

the dedicated account is maintained at an insured financial institution;
the consumer owns the funds (including any interest accrued);
the consumer can withdraw the funds at any time without penalty;
the provider does not own or control or have any affiliation with the company administering the account; and
the provider does not exchange any referral fees with the company administering the account.

Finally, before the consumer signs up for any debt relief service, providers must disclose fundamental aspects of their services, including how long it will take for consumers to see results, how much it will cost, the negative consequences that could result from using debt relief services, and key information about dedicated accounts if they choose to require them.

Businesses can learn more about how to follow this new rule on the FTC’s Web site: Debt Relief Services & The Telemarketing Sales Rule: A Guide for Business

For more information on managing credit and getting out of debt, check out BBB’s free advice at Managing Credit-Made Simpler.

If a consumer decides to use a debt relief service, they should always remember to check out the company with the BBB first at www.denver.bbb.org or by calling (303) 758-2100.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Don’t Get Spooked by Halloween Stores and Websites

10/19/2010

Posted on 10/19/2010 by

Denver, CO – October 25^th, 2010 –The Halloween Industry Association claims that Halloween is the second largest commercial holiday in the nation. According to Halloween Online Magazine, the Halloween retail industry brought in $2.5 billion in sales and advertising revenue in 2009. So, with this being a strong holiday for retailers in a tough economy, the Better Business Bureau has seen unethical sellers jump on board.

The BBB advises consumers to use caution when shopping with seasonal stores and fly-by-night Web sites for costumes and other merchandise. Complaints about late delivery, poor quality and difficulty obtaining refunds are common at the BBB.

“A costume may look cute, but it pays to check into a store’s reputation and consider return policies and shipping schedules before making a purchase,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “Otherwise, you could find yourself waiting for your order when it’s too late or stuck with something you can’t return.”

A company that sells replica swords and other weaponry (modeled after items in movies, TV, and video games), Kingdom Swords was recently given an F rating by the BBB in Austin, TX for failing to respond to 61 consumer disputes filed in the last three years. A Denver consumer said all he ever received was an email to track his order but no tracking information ever appeared when searched. He never received the item he paid $52 for.

The BBB advises consumers to avoid costume troubles by considering the following:

Complaints. Get the store’s, (whether online or physical) BBB Reliability Report by visiting www.denver.bbb.org or by calling (303) 758-2100. Even if the store is outside Colorado, you can find the report by contacting your local BBB.
Customer satisfaction policy. Determine the company's refund and return policies before you buy. It’s best to be able to try on the costume and accessories first and have enough time to return or exchange them if they don’t work out.
How long will the store operate? If you’re buying from a seasonal store, ask them whether or not they will be open after the holiday in case you need to make a return or exchange or come across a billing issue.
Leave nothing to chance. Be sure you have a thorough understanding of everything involved before making an order online. Be clear on the price and any shipping and handling charges. Know the terms of any product or service guarantees. Find out how long it will be before you receive your order. Federal law requires that goods and services be delivered within 30 days, unless a different delivery period is specifically stated by the merchant.
Guard your personal information. Only provide your credit card number online in a secure environment. Look for the prefix “https://” in the URL box which lists the Web site’s address to be sure that the site you are using is secure.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

American Furniture and BBB Help Give $16,000 to Students

10/15/2010

Posted on 10/15/2010 by

Denver, CO – October 15^th, 2010 – Today, at the BBB’s 8^th Annual Torch Awards for Marketplace Trust, three students were honored for exhibiting exceptional integrity and leadership qualities. The BBB Foundation’s $10,000 Student of Integrity scholarship is awarded each year to an economically disadvantaged student and provides them with an opportunity to continue their education beyond high school and become a future leader in Colorado’s workforce.

Susan Cruickshank of Pomona High School in Arvada won this year’s $10,000 Student of Integrity scholarship. She impressed the panel of independent judges with her application including a compelling essay about being a passionate character builder, as well as with her personality during the interview process.

Last year, Jake Jabs of American Furniture Warehouse announced that he would match donations to the BBB Foundation’s scholarship fund. Thanks to the generosity of American Furniture Warehouse, other sponsors and BBB Accredited Businesses, additional scholarships were awarded this year.

Hana Yohanes of South High School in Denver won a $5,000 scholarship. Iaisha Antoine of Manual High School in Denver won a $1,000 scholarship.

It was a great day for the students, their families, the BBB and all who participated in the program. Donors were able to contribute during the luncheon and Jake Jabs has again offered to match donations. Thanks to this philanthropy, next year the BBB Foundation will be able to assist Colorado’s future leaders once again.

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About BBB
The BBB is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

(written by Megan N. Miller | BBB Serving Denver/Boulder)

Yellow Pages Scam Hitting Local Businesses

10/12/2010

Posted on 10/12/2010 by

Denver, CO – October 12^th, 2010 – According to at least one Denver business and many other businesses across the nation, a company is using the familiar Yellow Pages name and well-known “walking fingers” symbol to try to trick them into paying for advertising they didn’t authorize.

The Better Business Bureau (BBB) suggests using extreme caution when dealing with New York based, F-rated Yellow Pages B.V. – also known as Yellow Publishing Ltd and YellowPage-Colorado.com. Its logo is an upside down version of the widely recognized walking fingers logo.

A local flooring company was recently contacted by Yellow Pages B.V. via fax and was asked to update a few search words and key industry phrases to, “help people locate your company”. The form, which requires a signature and date turned out to be a contract for two years of advertising. The company refers to the form’s fine print which is illegible due to it being a fax.

About a month and a half later, the company received an invoice for $1,068 with a late fee of $20.

“Yellow Pages B.V. appears to be yet another company that has used the Yellow Pages name to mislead businesses into ordering advertising or paying for services they did not want,” says Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “It’s very important to pay close attention to anything that requires a signature, even if you think it’s from a familiar vendor.”

The Yellow Pages Association, which represents legitimate Yellow Pages businesses, said businesses pay thousands of fraudulent Yellow Pages bills each month. The association said industry experts estimate that millions of dollars a year are being lost to Yellow Pages fraud.

The BBB offers the following tips for businesses dealing with Yellow Page solicitations:

Look closely at any Yellow Pages bill before paying it. If you have a question about the legitimacy of a bill, contact your Yellow Pages representative.
While it is not always the case, bogus invoices often are marked with the notice “This is Not a Bill.” They may lack a contact phone number.
Channel all invoices through one department and make sure they are cleared with the appropriate executives before they are paid.
If you suspect you have received a call, fax or mailing from a bogus Yellow Pages company, contact the U. S. Postal Inspection Service, the Federal Trade Commission, the BBB, and/or the Yellow Pages Association at 1-800-841-0639.
Check the BBB Reliability Report on any company that has contacted you before signing anything or giving any information. Visit www.denver.bbb.org or call 303-758-2100.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Map Spamming: The Directory Scam 2.0

10/6/2010

Posted on 10/6/2010 by

Denver, CO – October 6^th, 2010 – Recently, the BBB was contacted by a Dallas resident complaining that a locksmith company that advertised it was right down the street was not even in the same city. In fact, the company, which advertised a fake name, was not even in the same state.

Attempting to locate the locksmith company, the consumer found that the advertised address down the street belonged to an unaffiliated engineering company. The locksmith company was actually located in New Jersey.

This is “map spamming” and simply put, it is false advertising. It seems to be common in the locksmith industry. BBB F-rated, “Run Local Locksmith” advertises an address on Mexico Ave in Denver but mail sent to that address was returned by the post office as undeliverable. The company appears to actually operate out of Michigan.

Map spamming is the evolved version of directory spamming which involves the falsification of information within Web-based map directories such as Google Maps or Yahoo! Maps. Spammers often use other business addresses, fictitious addresses, (which may show up in an unexpected place on the map – for example, in the middle of a city park) or uses PO boxes that forward mail to the spammer’s real address.

They do it because it gives the consumer a false sense of security that they are working with a company that has a local, physical location, it creates more leads for the company and it helps with their search engine optimization.

This practice has not gone unnoticed by government regulators. In one example, Florida Attorney General Bill McCollum sued Florist in Miami, Inc., a New Jersey company, for creating the false impression of 53 locations in Florida.

To verify a company’s true location and headquarters, visit www.denver.bbb.org or call (300) 758-2100.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Beware of Fraudulent, Aggressive Collection Calls

10/5/2010

Posted on 10/5/2010 by

Denver, CO – October 5^th, 2010 – The Better Business Bureau, (BBB) is warning consumers to be on the alert for scam artists posing as collectors of payday loan debts. The scammers typically call consumers and threaten them with legal action or arrest unless the victims authorize immediate payments from their bank accounts or via wire transfer.

A local man was recently contacted by what he thought was a collection agency. The caller told the man that by him not paying he was committing bank fraud and he needed to wire the money Western Union immediately.

The man almost sent the money order as instructed but the bank teller helping him suspected something was wrong. The teller ultimately discovered that the intended recipient of the money order was in a correctional facility.

“Phony debt collectors employ a variety of scare tactics in an attempt to commit theft,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “The Fair Debt Collection Practices Act (FDCPA) prohibits legitimate debt collectors from using abusive, unfair, or deceptive practices to collect from you.”

According to the Federal Trade Commission (FTC), which enforces the FDCPA, debt collectors may not use threats of violence or harm, and they are prohibited from saying that you will be arrested if you don’t pay a debt. Collection agencies in the state are also licensed and regulated by the Colorado Collection Agency Board.

The BBB urges those who receive a suspicious debt collection call to remember the following advice:

Avoid providing personal information. Do not verify or give out personal information over the telephone, including bank account or credit card numbers.
Demand proof. Ask for verification of the debt. Debt collectors are required to send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.
Report all suspicious behavior. Report abusive, threatening or illegal collection practices by filing complaints with the BBB, the FTC, and the Colorado Collection Agency Board.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Sweepstakes From BBB is a Scam Beware of Calls

10/1/2010

Posted on 10/1/2010 by

Denver, CO – October 1^st, 2010 – One of the most common scams the Better Business Bureau hears about is illegal foreign lotteries. These involve letters and checks sent through the mail or telemarketing calls offering someone a prize, (usually in the hundreds of thousands or millions of dollars). They are told that all they have to do is pay a fee or give private information in order to be eligible or collect the prize.

Once the information is given or fee is sent, (almost always via wire transfer) the scammer is off with the money or private information and the victim receives nothing. They end up a victim of theft, identity theft or both.

In the last couple of weeks, the office of the BBB Serving Denver/Boulder has received several calls from people who were called by someone pretending to, “work for the BBB” saying they won a sweepstakes. An 80-year old woman from Arvada said the imposter went by the name, “Tom Turner” and told she won $1.5 million dollars and a car. All she had to do was call his manager to “work out financing” for the shipping of the car. When the BBB called, “Tom Turner” at (510) 629-2192, he stated he knew nothing about this.

Here are some things to take note of to avoid these scams:

· Legitimate lotteries will not call you on the phone, or send you an email, asking you to send money.

· Never give out your credit card numbers over the phone, or Internet, to a business promising lottery jackpots or other prizes.

· Never send cash to an unfamiliar or foreign business.

· Never accept a collect phone call from someone claiming to be a lottery official. Real lotteries do not call collect.

· Never believe a letter, email or phone call from someone who offers you a guarantee of winning a prize. Real lotteries do not guarantee you will win a prize.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

PHOTO: PhotoXpress

Foreclosure Rescue Scams Are Going Strong

9/29/2010

Posted on 9/29/2010 by

Denver, CO – September 29^th, 2010 – According to the Mortgage Bankers Association, the number of homeowners potentially facing foreclosure in the U.S. is at 2.7 million.

Many people are still having trouble paying their mortgage and therefore, scammers have flocked to take advantage of the crisis.

According to a recent report from the U.S. Government Accountability Office, (GAO), there are two main types of foreclosure rescue and loan modification scams: advance-fee loan modification schemes and sales-leaseback schemes, with advance-fee schemes being the most common.

The BBB has warned about advance-fee loans in the past and theses scammers prey on anyone who is in debt but especially the most desperate. In a foreclosure situation, someone charges you a fee in advance to negotiate a deal with your mortgage lender. They may even offer a money-back guarantee. In the scam, the outcome is that they take your money (the average is about $3,000), provide little or no service, and then refuse to refund the fee.

In a sales-leaseback scheme, the scammer persuades you to transfer your deed to them by offering to assume your payments and let you pay rent while you get your affairs in order. They promise to sell the property back to you once your financial situation improves, but, of course, they don't. Often they take out another loan on the home or even sell it out from under you.

Here are some “red flags” that at-risk homeowners should watch out for when looking for foreclosure help, courtesy of the FTC. You should avoid any business that:

guarantees to stop the foreclosure process – no matter what your circumstances
instructs you not to contact your lender, lawyer, or credit or housing counselor
collects a fee before providing you with any services
accepts payment only by cashier’s check or wire transfer
encourages you to lease your home so you can buy it back over time
tells you to make your mortgage payments directly to it, rather than your lender
tells you to transfer your property deed or title to it
offers to buy your house for cash at a fixed price that is not set by the housing market at the time of sale
offers to fill out paperwork for you
pressures you to sign paperwork you haven’t had a chance to read thoroughly or that you don’t understand

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

PHOTO: Flicker.com / http://creativecommons.org/licenses/by/2.5/

Six Colorado Students Named as Finalists for BBB Student of Integrity Scholarship

9/22/2010

Posted on 9/22/2010 by

Denver, CO – September 22^nd, 2010 – One aspect of bettering the community is to brighten the future of our youth and help pave a path for their success. With the generous support of BBB Accredited businesses and charities, every year at the BBB Torch Award ceremony, your BBB Foundation is able to present a $10,000 scholarship to a very-well-deserving, “student of integrity”.

The BBB Student of Integrity Scholarship is awarded to an economically disadvantaged student who has demonstrated exceptional character, leadership and ethical values. It provides him or her with the opportunity to continue their education beyond high school and become a future leader in Colorado’s workforce.

Out of the 80 applications received this year, your BBB is pleased to announce the six finalists, (in alphabetical order by last name): Iaisha Antoine of Manual High School, Susan Cruickshank of Pomona Senior High School, Ana Galvan-Callejas of William Smith High School, Phuc Nguyen of South High School, Ruby Nunez of Martin Luther King, Jr. Early College and Hana Yohanes of South High School. The students each wrote a 400-word essay on how they consider themselves to be passionate character builders and how they motivate their peers. The applications also included letters of recommendation and examples of leadership and community involvement.

The grand prize winner will receive the $10,000 scholarship. The selection committee may award additional scholarships which will be paid out over four years.

The recipient of the 2010 Student of Integrity Scholarship will be honored at the annual BBB Torch Awards for Marketplace Trust luncheon on October 15^th. The BBB Foundation accepts donations year-round for the scholarship. To donate, please visit http://denver.bbb.org/scholarship.

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About BBB
The BBB is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Nightime Sleep Getting Colder???

9/21/2010

Posted on 9/21/2010 by Collin Dunlavey
Been having to throw on extra blankets every night before bed? Noticing you cant keep the windows open anymore? It's getting to be that time of year to get your furnace serviced or upgraded. Before doing so check with your BBB. Find a reliabilty report on a company, or get a list of BBB accredited businesses who are heating contractors by going to www.denver.bbb.org Make sure you get at least three estimates before picking a company. Get customer references and get everything in writing before making a payment. Get comfortable and dont let the cold keep you awake. Check back for more helpful tips tomorrow.

Don't Get Burned by Heating Contractors This Fall

9/21/2010

Posted on 9/21/2010 by

Denver, CO – September 21^st, 2010 – With warm weather still hanging around the metro area, it may be easy to forget that now is the ideal time to have your furnace serviced or upgraded before the busy winter season starts. The Better Business Bureau Serving Denver/Boulder, (BBB) warns the public to be cautious and do their homework before hiring a heating contractor.

“Some issues we see in complaints against heating contractors are inaccurate analysis, inferior work and misunderstandings about cost,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “That’s why it is very important to get estimates from at least three different companies, ask for customer references and get everything in writing before making any payments.”

In the last three years, the BBB Serving Denver/Boulder received over 400 complaints against heating contractors.

In addition to the president’s advice, consider the following tips before hiring a heating contractor:

· Start with the BBB. Find a reliability report on a company or get a list of BBB Accredited businesses who are heating contractors by visiting www.denver.bbb.org or by calling (303) 758-2100.

· Verify licensing with your area’s building department.

· Verify that the company is bonded and insured for liability and property damage.

· Ask about warranties on their products and service and what maintenance plans are available after the warranty expires.

· Compare more than just cost. Check the size and rated efficiency of the equipment each contractor recommends. Ask each contractor how they arrived at recommending a particular sized system. Check the warranty offered and make certain you understand it.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

PHOTO:
Photographer: Chris Darling
Source: Flickr.com
License: http://creativecommons.org/licenses/by/3.0/

The Denver BBB at the Veterans Fair

9/20/2010

Posted on 9/20/2010 by Collin Dunlavey

Older veterans are sometimes forgotten and unnoticed. It is important for them to know that there are places where they can go for assistance, or just for someone to listen. Here at the Denver BBB we can help and listen to just about anybody. The Veterans fair was a perfect opportunity for us to do this. We were present and active in this years Veterans Fair. We provided information on how to look up businesses on the internet and see their ratings, and business cards were handed out with the Senior Resource Consultant’s direct number for any questions or concerns they may have. We feel that the information the BBB provided had a profound impact on the seniors in accomplishing our goal to assist, educate and protect our seniors. We also had a lot of fun talking to the crowd and listening to their stories. When you consider the history in the crowd it was a remarkable experience. This kept to us wanting to hear more and more from these outstanding veterans. It was also fun to see their reaction to a real radio celebrity our president Dale Mingleton, to whom they listen to every Wednesday. Overall we found the event to be very beneficial to not only the senior veterans, but to the relationships we have established with them. It is always a great experience for us to be part of these events, and we are always excited to be present.

BBB Announces 2010 Torch Award Finalists

9/17/2010

Posted on 9/17/2010 by

Denver, CO – September 16^th, 2010 – Every year since 2003, the Better Business Bureau Serving Denver/Boulder has awarded a business with its Torch Award for Marketplace Trust. Last year, the award was presented to not just one business but to a small business, a large business and a nonprofit. This expansion continues into 2010 as the BBB announces the current finalists for the award in each category:

Small Business Category:

1. Illumen Group, Inc.

2. Keller Bros. Auto Repair

3. Lake Arbor Automotive & Truck

Large Business Category:

1. Champion Windows, Siding & Patio Room Company

2. Omni Financial Services

3. Piper Electric Company, Inc.

Nonprofit Category:

1. Big Brothers Big Sisters of Colorado

2. Rocky Mountain Children’s Law Center

3. The Denver Rescue Mission

For more information and to register for the event, please visit http://denver.bbb.org/torch.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

BBB News Release - BBB Announces 2010 Torch Award Finalists

9/16/2010

Posted on 9/16/2010 by

Small Business Category:

1. Illumen Group, Inc.

2. Keller Bros. Auto Repair

3. Lake Arbor Automotive & Truck

Large Business Category:

1. Champion Windows, Siding & Patio Room Company

2. Omni Financial Services

3. Piper Electric Company, Inc.

Nonprofit Category:

1. Big Brothers Big Sisters of Colorado

2. Rocky Mountain Children’s Law Center

3. The Denver Rescue Mission

For more information and to register for the event, please visit http://denver.bbb.org/torch.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

The Growing Dangers of Digital Music and Movies

9/15/2010

Posted on 9/15/2010 by

Denver, CO – September 16^th, 2010 – McAfee, Inc. recently announced a growing number of cyber threats associated with the popularity of online music and videos. McAfee researchers found that adding the word “free” to searches increases the risk of landing on a malicious site. McAfee also revealed that cybercriminals hide malicious content in music and movie-related sites, and even fan clubs sites.

The Internet Crime Complaint Center’s (IC3) 2009 crime report shows that cybercrime increased 22.3% last year compared to the year before and that Colorado was a top state for number of complainants who filed with the IC3.

“As so many things continue to become available online, associated scams and crime grow along right with them. Users need to increase their awareness constantly to keep up with cybercrime and the vulnerabilities associated with online activity,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder.

McAfee recommends these important tips to stay safe:

Avoid searching for “free” content. Instead, stick to legitimate, paid sites to get music and movies.
Avoid clicking on links in banner ads on music, movie and download sites that aren’t well-established.
Use comprehensive security software to protect against the latest threats.
Use common sense: Don’t click on links posted in forums or on fan page.
Realize that the more popular a topic, movie or artist is, the more risky the search results.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Snoop Dogg Cybercrime Rap Contest!

9/15/2010

Posted on 9/15/2010 by

Rapper Snoop Dogg and Norton, the antivirus company that's part of Symantec Corporation, have teamed up to fight cybercrime and they want to hear from you! You have until September 30th, 2010 to record an anti-cybercrime rap video that’s 2 minutes or less and upload it at HackIsWack.com or at facebook.com/Norton. Be sure to add tags to your video so everyone can find it easily.

Videos will be judged on originality (25%), overall concept (25%) and how well they stick to the anti-cybercrime theme (50%). Not sure exactly what the theme is all about? Go to HackIsWack.com and click on the Tips link to find out more about cybercrime.

Norton reps and Snoop's management team will judge the videos. The lucky grand prize winner, (and a guest) will win air travel to Los Angeles, one night at a hotel there, tickets to a Snoop Dogg concert, a meeting with Snoop's management team, and a tricked-out Toshiba laptop.

Sorry 17 and unders, but you have to be the "age of majority" to enter the contest, and in most states that’s 18. Also, make sure you keep the language clean in your rap and don’t wear clothes in the video that display a logo. Good luck!

BBB reaches out to the Spanish speaking community at Fiestas Patrias

9/14/2010

Posted on 9/14/2010 by Collin Dunlavey

Fiestas Patrias

Your Denver/Boulder BBB was present at the 2010 Fiestas Patrias event this year, which turned out to be a huge success. Not only was there great music and activities, but everyone from tall to small came to enjoy the event. The music was mostly traditional Mexican music played by young adults which seemed to help bring everyone together. The general manager and chair of the Hispanic Board Maelia Macin was there working the crowd and keeping the party going. We saw a lot of community sponsors active in the crowd, along with the Denver Hispanic Chamber. A lot of recognition was received by the BBB from the Spanish speaking community, as well as recognition for small businesses. We handed out 3,000 BBB Frisbees with the BBB business card. They were a hit. Over-all we our very proud of our presence at Fiestas Patrias 2010. The Denver/Boulder BBB is always eager to be a part in community events that bring not only consumers and businesses together, but everyone in the community together. Please feel for to ask questions or comment on the event.

Use Caution When Hiring and Donating in Response to Fires

9/14/2010

Posted on 9/14/2010 by

Denver, CO – September 14^th, 2010 – In response to what’s being reported as the most destructive wildfire in Colorado’s history, many victims will be hiring restoration companies, builders and buying new homes as well as purchasing household items they lost in the fire. Many others will be looking for ways to help those affected.

History has shown that when a natural disaster strikes, scams are soon to follow. Now with another fire that occurred over the weekend in Loveland, our state is getting a lot of attention and scammers are likely to take notice…and take advantage.

We want to warn people to use caution and do their homework when hiring companies and donating to charities.

Please take the following advice:

Check with the BBB first. We have detailed reports on thousands of businesses and charities. Visit www.denver.bbb.org or call 303.758.2100.
Verify that who you’re dealing with is really who they say they are. One trend seen in these situations is of scammers come to town and use names of reputable businesses and charities to establish a false sense of trust.
Victims of the fires, who have insurance – ask you agent if the company recommends any local companies for you to work with.
If you are approached by a suspicious company or charity who claims to be helping fire victims: don’t act in haste, ask for written information and tell them you’ll get back to them after you’ve checked them out if you’re interested.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

PHOTO: flickr.com
http://creativecommons.org/licenses/by/3.0/

BBB Announces Several New Board Members

9/13/2010

Posted on 9/13/2010 by

Denver, CO – September 13^th, 2010 – The Better Business Bureau Serving Denver/Boulder, (BBB) announces an expansion of its Board of Directors and Foundation Board of Directors. These board members serve an important role in the community governing a nonprofit like the BBB. Their most important functions are to ensure that the BBB’s funds and programs are implemented effectively and are focused on the BBB’s overall mission to be the leader in advancing marketplace trust.

Joining the BBB Board of Directors is:

Scott Shields of Family Tree, Inc.

Paul Johnson of Global Technology Resources, Inc.

Rich Pettis of Public Service Credit Union

Brian Wagner of Bradley Consulting Group

Trish Thomas of Akamai Consulting LLC

Brenda Jones of Premier Commercial Interiors, Inc.

Vicki Pine of Swingle Lawn, Tree and Landscape Care

Joining the BBB Foundation Board of Directors is:

Michelle Moraweic of Entravision Communications

Mischa Danaceau of Illumen Group, Inc.

Scott Bemis of Denver Business Journal

Tom Brock of Brock Media

Steve Breitman of Mindful Business Solutions, Inc.

Diana Whye of Community College of Aurora Foundations

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information

Fiestas Patrias

9/10/2010

Posted on 9/10/2010 by

BBB Complaints on Roofers Much Higher this Summer

9/8/2010

Posted on 9/8/2010 by

Denver, CO – September 8th, 2010 – Summer is winding down and though Colorado didn’t see as many storms as it did in 2009, roofers have still been busy all season. There is a good possibility that contractors might make one last surge to solicit jobs while the weather is still decent.

Complaints against roofers filed with the BBB Serving Denver/Boulder have gone up 247 percent when compared to year-to-date 2009 data with a total of 528 complaints filed so far in 2010. Nationally, BBBs have received more than 7,600 roofer complaints in the last year.

One of the most problematic companies was F-rated American Shingle which had several locations across the U.S., including one in Lakewood, CO. The BBB received several complaints that alleged the company took payment up front and didn’t finish or even start the job, in some cases.

If you are looking for a roofer or if they contact you, take the following advice:

• Start your search with the BBB. Check out the company with your BBB first at www.denver.bbb.org or by calling (303) 758-2100. The last thing you want to do is not check and end up hiring an F-rated company.

• Recognize the red flags. Beware of any contractor that uses high pressure sales tactics or requires full payment upfront. Also avoid contractors that require you to get the necessary permits.

• Vet the contractor carefully. Verify the business meets all state and local requirements including being insured and bonded. Confirm whether or not the roofer will be subcontracting the job or relying on his or her own employees. Also make sure the roofer pulls the applicable city permit to perform the job.

• Beware of storm chasers. They have come and gone since last summer. They often solicit work usually by going door-to-door, in unmarked trucks. They might require advance payment and make big promises that they won’t deliver on. Be wary of these people.

• Get at least three bids. Beware of lowball estimates that may potentially balloon over time or foreshadow shoddy work to come.

• Make sure everything is in writing. Make sure that the full scope of the work is explained in the contract including cleanup and disposal of waste. All verbal agreements need to be included in the written agreement. Pay close attention to the payment terms, estimated price of materials and labor and any warranties or guarantees.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability ReportsTM on businesses and BBB Wise Giving ReportsTM on charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Recognize Seven Red Flags of Employment Scams

9/3/2010

Posted on 9/3/2010 by

Recognize Seven Red Flags of Employment Scams

Scammers target job hunters in tough market, warns BBB

Denver, CO – September 3^rd, 2010 – As the national unemployment rate hovers around 10 percent, and Colorado’s at 8 percent, the Better Business Bureau warns that scammers have been taking advantage of this by preying on those unemployed. Identifying the common red flags of a scam is one way for job hunters to protect themselves and their wallet.

According to the Labor Department, new jobless claims in mid-August unexpectedly jumped to 500,000, an increase of 12,000 over the previous week. Not only did jobless claims rise suddenly, but the length of unemployment is bleak for many. According to a July report from the Bureau of Labor Statistics, nearly 45 percent of unemployed Americans had been out of work for more than 6 months.

“The dismal employment rate means that a lot of people are desperate for work and may be grasping for any job which creates a great opportunity for scammers,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “Not thoroughly researching a job opportunity can make a bad situation even worse and a victim can lose hundreds or even thousands of dollars to any number of job-related scams.”

The BBB recommends looking out for the following seven red flags when searching for a job:

Red Flag #1: The employer offers the opportunity to become rich without leaving home. While many legitimate businesses allow employees to work from home, there are also a lot of scammers trying to take advantage of senior citizens, stay-at-home moms, students and injured or handicapped people looking to make money conveniently at home. Job hunters should use extreme caution when considering a work-at-home offer and always research the company with the BBB first at www.denver.bbb.org.

Red Flag #2: The employer asks for money upfront. It is rarely advisable for an applicant to pay upfront fees or make a required purchase to get a job. The BBB often hears from job hunters who paid a phony employer for supposedly required background checks or training for jobs that didn’t exist. Always research the job thoroughly before opening up your wallet. Also be wary of job placement companies that ask for large upfront fees to find you a job.

Red Flag #3: The salary and benefits offered seem too good to be true. The adage holds true for job offers: if the deal sounds too good to be true, it probably is. Phony employers might brag about exceptionally high salary potential and excellent benefits for little work and no experience necessary in order to lure unsuspecting job hunters into their scam.

Red Flag #4: Employer e-mails are rife with grammatical and spelling errors. Online fraud is often perpetrated by scammers located outside the U.S. Their first language usually isn’t English and this is often evident in their poor grasp of the language which can include poor grammar and the misspelling of common words.

Red Flag #5: The employer requires you to check your credit report.
After posting their resumes online or responding to online job listings, many job hunters received what they thought was good news: an e-mail from an interested employer. In order to be considered for the job, the applicant has to check his or her credit report through a recommended website. The truth is, the e-mail is just an attempt to get the job hunter to divulge sensitive financial information or sign up for credit monitoring services.

Red Flag #6: The employer is quick to ask for personal information such as Social Security or bank account numbers. Some job seekers have been surprised to learn they’ve gotten a job without having to do a single interview. However, when the employer then asked for personal information in order to fill out the necessary paperwork, suspicions were raised – and rightly so. Regardless of the reason, a job applicant should never give out his or her Social Security or bank account numbers over the phone or email and only after they’ve confirmed the job is legitimate.

Red Flag #7: The job requires you to wire money through Western Union or MoneyGram or receive and forward suspicious goods. Many phony jobs require the employee to cash a check sent by the company through the mail and then wire a portion of the money on to another entity. Reasons given for this requirement vary from scam to scam. Whatever the reason though, the check might clear the employee’s bank account but will eventually turn out to be a fake and the employee is out the money he or she wired back to the scammers. BBB also warns against receiving and mailing suspicious goods—such as electronics or luxury items—overseas.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Are Modeling and Talent Agencies the Real Deal?

9/1/2010

Posted on 9/1/2010 by

Denver, CO – September 1^st, 2010 – Whether you’re interested in a modeling career, just want to make a few extra bucks or you think your child or grandchild might have a future in acting or modeling, be on the lookout for scammers. The Better Business Bureau, (BBB) warns that some modeling agencies are just trying to make a fast buck and don’t deliver on promises of fame and fortune.

In the last three years, BBBs have received more than 2,000 complaints nationwide from people who feel they were misled by an agency into paying large upfront fees—often for headshots and portfolios—and received little or no modeling or acting work in return.

“Modeling can be a great way to supplement your income, but signing up with a deceptive talent agency can be a waste of time and money or, in the worst case scenario, put you in physical danger,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder.

In an extreme example of a modeling agency opportunity gone horribly wrong, the BBB in Louisville, Kentucky has received complaints from local men who paid hundreds of dollars in upfront fees, (or became indebted for these fees) to BBB F-rated Models Today in exchange for the promise of landing modeling jobs. Instead, the young men allege that the owner, Russell Claxon, took shirtless photos of them in a park and never set them up with any jobs. Several of these complaints referenced solicitation for prostitution or inappropriate sexual propositions and one victim told a local newscast that he was prostituted out by Claxon.

Before signing up with a modeling or talent agency:

Do your research – Always check the company out with your BBB at www.denver.bbb.org or by calling (303) 758-2100. Some states may require a talent agency or modeling school to be licensed and bonded; confirm the company meets those requirements if applicable.
How long have they been around? – The Denver/Boulder BBB’s database shows that many companies in the industry are out of business and/or have invalid addresses and phone numbers. This indicates that many of these entities often come and go. Try to choose an agency that is established and trusted.
Beware of big promises and high pressure sales pitches – In the modeling world, income is never guaranteed and jobs can be sporadic. Consider it a red flag if the sales pitch promises a lot of jobs and high earnings or uses high pressure tactics to get you to sign up without thinking it through first.
Read the fine print and get everything in writing – Take your time and read the agreement or contract carefully, paying close attention to details regarding refunds and your recourse if you are dissatisfied. Make sure that all verbal promises are in the agreement.
Get references – Ask for references from other satisfied clients who have a similar background and qualifications.
Complain if you’ve been ripped off – If you feel you’ve been misled by a talent or modeling agency, file a complaint with your BBB, and the FTC.
If criminal activity occurs – file a police report immediately.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

BBB Offers Annual Scholarship to Exceptional Student

8/26/2010

Posted on 8/26/2010 by

Denver, CO – August 26^th, 2010 – Since 2006, the Better Business Bureau Serving Denver/Boulder has offered a scholarship program to help deserving Colorado high school students attend college. Each year, the BBB awards one high school senior with a four-year, $10,000 scholarship ($2,500 distributed each academic year) to attend the Colorado college or university of their choice.

An eligible student must be a legal resident of Colorado and must maintain a 2.5 or better grade point average. Students must show evidence of economic need, leadership and community involvement.

“College was once an unattainable dream for me; with the help of the BBB my dream has become a reality. I am now living my dream and taking full advantage of the opportunity given to me,” said Rhesa Melvin, a senior at Colorado State University who won the first BBB Student of Integrity Scholarship in 2006.

In addition, this scholarship is intended to create long-term ties with future Colorado business leaders who will promote ethics in the marketplace as they pursue their careers.

The recipient of the 2010 Student of Integrity Scholarship will be honored at the annual BBB Torch Awards for Marketplace Trust luncheon on October 15^th. To apply for or sponsor the Student of Integrity Scholarship, please visit http://denver.bbb.org/2010scholarship.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Watch Out For New Credit Card Rules

8/20/2010

Posted on 8/20/2010 by

Denver, CO – August 20^th, 2010 – More changes to the rules for credit card companies are on the way, effective August 22nd. These changes will affect penalty fees and rate increases on your credit card account.

The Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 mandated a lot of changes to the credit card industry. Some of those changes went into effect on February 22nd, 2010. They included: 45 days notice for interest rate changes; ability to opt out of changes and pay off your balance over 5 years; restrictions on getting a credit card under age 21; and no more double billing cycles. Now another set of changes is going into effect on August 22nd. According to the Federal Reserve Board, here’s what these new credit card rules include:

Reasonable late-payment penalty fees. In the past you paid the same expensive late fee whether your minimum required payment was small or large. The new rule says that your credit card company can’t charge you more than $25 for a late payment unless you’ve been late on one of your last six previous payments, in which case it can up the fee to $35. Also, it can’t charge you a late payment fee that’s more than the minimum payment you owe. So if your minimum payment is only $10 this month, then $10 is all the company can charge you as a late fee.
No inactivity fees. No more being charged a fee for not using your card enough.
One-fee limit. You can’t be charged more than one penalty fee for the same transaction.
Explanation of rate increase. If your credit card company increases the Annual Percentage Rate (APR) it charges you, it has to tell you why.
Re-evaluation of rate increases. If your credit card company does increase your APR, it has to re-evaluate that rate increase every six months. If it decides to lower your rate based on that evaluation, it has to do it within 45 days after completing the evaluation.

To learn more about the new credit card rules visit the Federal Reserve Board’s website.

A word to the wise: if you always pay your credit card on time you won’t have to worry about penalty fees and your credit score will thank you.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Beware of Fake Soldiers on Social and Dating Web Sites

8/18/2010

Posted on 8/18/2010 by

Denver, CO – August 18^th, 2010 – Scammers pretending to be members of the military are wooing women on internet dating and social networking sites…but they aren’t looking for love – they are looking for money.

According to the U.S. Army Criminal Investigative Command, these scammers are using real military photos to create fake profiles and they have received hundreds of complaints in the last year about the scam. Some scammers have even used photos of military members that have passed away.

The Command reports that con artists build relationships with women and then start asking for money for things like internet use, phones, leave papers, money to enable them to come visit the victim, etc. Once the woman sends the money, they never hear from the man again.

“To systemize a scam based on someone’s pure emotion and admiration for our troops is extremely appalling,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “While the environment of online dating has become very popular, it has simultaneously become much too trusting.”

Many of these emails have been traced back to foreign cyber-cafes in Africa but the individuals operating these scams are difficult, if not, impossible to track down.

At least one local dating service has seen this scam on their radar so be careful when on such a Web site and never, ever send money to someone you’ve never met.

If you feel you may have been a victim of such a scam, report it to the Internet Crime Complaint Center: ic3.gov / 800-251-3221 and the Federal Trade Commission: ftc.gov / 1-877-438-4338.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Phony Web Sites Take Money, Don’t Deliver

8/17/2010

Posted on 8/17/2010 by

Denver, CO – August 17^th, 2010 – All summer long, the BBB has received calls and complaints about Web sites that offer a variety of merchandise—ranging from beauty supplies to farm equipment—at prices well below suggested retail, but consumers are not receiving what they purchased. Consumers ordering products are denied the option to use a credit card and are instructed to send payment via wire transfer only. In one instance, a consumer was prompted to pay by bank transfer to an account in the United Kingdom.

Once the money is sent, the consumer never receives the product and cannot reach the company for a refund.

The scammer is operating under a number of names, and including, American Garden Appliances, International Garden Appliances, Nordic Garden Appliance, Styles Shopping, ZET Electronics, Tomorrows Electronics, Orange Electronics, Team Appliances, Home Garden Appliances, Chrystal Beauty and Aaron’s Shop among others. All of the following Web sites have been reported as being part of the scam, (some may no longer be available as sites are taken down and newly created constantly):

www.international-garden-appliances.com www.americangardenappliances.com
www.stylesshopping.com
www.nordicgardenappliances.com
www.zetelectronics.com
www.onlineluxury-shopping.com
www.orange-electronics.com www.homegardenappliances.com
www.standard-electronics.com
www.team-appliances.com
www.appliances-4home.com
www.team-2appliances.com
www.team-4appliances.com
www.team-elctronics4you.com
www.team2appliances.com
www.team4appliances.com
www.teamapp-inc.com
www.beauty-shoponline.com

The BBB has been notified that the firm, aside from running multiple Web sites, is an active seller on such e-commerce websites as Amazon.com, eBay, and DealItem.com.

They also fraudulently use the BBB logo on these Web sites which link to a fabricated BBB Reliability Report displaying a bogus A+ rating. These fake reports also list dead-end phone numbers and invalid addresses in Denver, New Orleans and New York City. The real BBB Reliability Reports in these areas give the entity an F rating.

The BBB Serving Denver/Boulder has received six complaints since June which indicate losses of up to $4,000. The complaints came from California, New Jersey, Illinois, Canada, Italy and Australia.

The Council of Better Business Bureaus’ legal team is investigating the scammer for trademark infringement and is trying to put a stop to the fraudulent Web sites.

The BBB offers the following tips to avoid this scam and others like it:

Be cautious of companies that offer merchandise at prices significantly below market. If something seems too good to be true, it probably is.
If a company claims to be a BBB accredited business, make sure that the URL of the page to which you are forwarded after clicking at the BBB Accredited Business Seal begins with "https://www.bbb.org/". Double-check by searching for the company’s name, address, URL, or phone number at www.denver.bbb.org or calling (303) 758-2100.
Beware of any entity that accepts payment via money transfer only.
Never wire money to anybody you have not met in person.

If you have been a victim of this scam, contact the Internet Crime Complaint Center at www.ic3.gov or 800-251-3221.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

College Students & Young Adults Hit Hard by Identity Theft

8/9/2010

Posted on 8/9/2010 by

Denver, CO – August 6^th, 2010 – According to the 2010 Identity Fraud Survey Report released by Javelin Strategy and Research, more than 11 million people became victims of identity theft in 2009. Young adults aged 18-24 took the longest to detect the crime—132 days on average—when compared to other age groups. Subsequently the average cost ($1,156) was roughly five times more than amount lost by other age groups.

“Identity thieves don’t care if you’re a struggling student and don’t have a penny to your name; sometimes all they want is to exploit your clean credit record,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “Young adults that establish good habits for monitoring and detecting fraud are laying a path that will help create a healthy financial road for the rest of their lives.”

College students have enough to juggle when it comes to school, work and their social life and fighting fraud often doesn’t make the list of priorities. Because college students are so susceptible to identity theft, the BBB recommends seven simple steps to protect themselves on campus:

School mailboxes are not always secure and can often be easily accessed in a dorm or apartment. To combat sticky fingers in the mailroom, have sensitive mail sent to a permanent address such as the parents’ home or a PO box.

· Important documents should be stored under lock and key—such as in a filing cabinet. This includes social security card, passport and bank and credit card statements. Shred any paper documents that have sensitive financial information rather than just tossing them out. Also shred any credit card offers that come in the mail.

Never loan your credit or debit card to anyone, even if they are a friend. Also just say no if your friend wants you to cosign for a loan or financing for items like a TV.
Make sure your computer has up-to-date antivirus and spyware software. Always install any updates and patches to your computer’s operating system or browser software which help keep your computer safe from any new advances by identity thieves online.
Always check your credit or debit card statements closely for any suspicious activity. The sooner you identify any potential fraud, the less you’ll suffer in the long run.
When shopping on unfamiliar websites, always check the company out first with BBB online. Also look for the BBB Accredited Business seal along with other trust seals; click on the seals to confirm that they are legitimate.
Check your credit report at least once a year with all three reporting bureaus for any suspicious activity or inaccuracies. You can do this for free by visiting www.annualcreditreport.com.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

College Students and Young Adults Hit Hard by Identity Theft

8/9/2010

Posted on 8/9/2010 by

School mailboxes are not always secure and can often be easily accessed in a dorm or apartment. To combat sticky fingers in the mailroom, have sensitive mail sent to a permanent address such as the parents’ home or a PO box.

Never loan your credit or debit card to anyone, even if they are a friend. Also just say no if your friend wants you to cosign for a loan or financing for items like a TV.
Make sure your computer has up-to-date antivirus and spyware software. Always install any updates and patches to your computer’s operating system or browser software which help keep your computer safe from any new advances by identity thieves online.
Always check your credit or debit card statements closely for any suspicious activity. The sooner you identify any potential fraud, the less you’ll suffer in the long run.
When shopping on unfamiliar websites, always check the company out first with BBB online. Also look for the BBB Accredited Business seal along with other trust seals; click on the seals to confirm that they are legitimate.
Check your credit report at least once a year with all three reporting bureaus for any suspicious activity or inaccuracies. You can do this for free by visiting www.annualcreditreport.com.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Nationwide Arrest Warrant Issued for Charity Scammer

8/9/2010

Posted on 8/9/2010 by

Denver, CO – August 9^th, 2010 – Ohio Attorney General Richard Cordray and Hamilton County Prosecutor Joseph Deters recently announced that a nationwide arrest warrant for identity fraud has been issued for the man claiming to be "Bobby Thompson," director of the U.S. Navy Veterans Association (USNVA), a supposed charity based in Florida.

“Thompson” disappeared in June amid a growing number of state investigations into the organization's fundraising and spending, including revelations that the man who appears to have orchestrated this sham charity made hundreds of thousands of dollars in political contributions to candidates throughout the United States and in Ohio.

“Our investigators have determined that this individual stole the identity of someone else and used that as the centerpiece of an apparent scam that has continued for seven years and involved tens of millions of dollars,” Cordray said. “The real Bobby Thompson, whose identity was stolen, including his Social Security number and date of birth, has absolutely no connection to the U.S. Navy Veterans Association. We don't know who this individual is yet, but we do know that he is not Bobby Thompson.”

The Hamilton County arrest warrant is based on evidence that this individual used a false identity in the process of renting a UPS mailbox in Cincinnati in 2003. The mailbox was used as a collection point for donations to the charity. Since 2003, Ohioans have contributed close to $1.9 million to the U.S. Navy Veterans Association.

There appears to be very little evidence that the organization spent money actually helping veterans or their families. Yet public records do show hundreds of thousands of dollars in political contributions to various candidates made by "Bobby Thompson" personally or through the political action committee he created and to which he was the sole contributor, NAVPAC.

Anyone with information about this individual or his whereabouts is asked to contact the Ohio Bureau of Criminal Identification and Investigation at (740) 845-2224 or (800) 282-3784. If located and arrested outside of Ohio, the Ohio Attorney General's office will pursue extradition proceedings to have this individual returned to Ohio.

Copies of the arrest warrant, photos of "Bobby Thompson" and additional background materials are available at www.OhioAttorneyGeneral.gov/USNavyVetsMaterials.

To avoid becoming a victim of charity fraud, the BBB offers the following advice:

· Any charity that claims to help the military and their families in any way should be approved by the U.S. Department of Defense. Check it on their Web site, www.ourmilitary.mil. All listed organizations have undergone thorough reviews by either the BBB or other independent organizations.

· Always check the charity’s BBB Reliability Report. The report will tell you whether or not the charity is transparent and has provided important information to the BBB about its use of funds, programs, governance and other background information.

· For security and tax record purposes, always pay with a check. Do not ever pay with cash or wire transfer and be wary of charities that want to send a courier or use an overnight delivery service to pick up your donation.

· Do not give donations over the phone.

· Beware of charities that use names or similar sounding names of well-known and trusted organizations. Always verify they are who they say they are.

· Refuse high-pressure appeals. If the organization is legitimate, they’ll still need your donation tomorrow or whenever you are ready to give.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

College Students & Young Adults Hit Hard by Identity Theft

8/6/2010

Posted on 8/6/2010 by

School mailboxes are not always secure and can often be easily accessed in a dorm or apartment. To combat sticky fingers in the mailroom, have sensitive mail sent to a permanent address such as the parents’ home or a PO box.

Never loan your credit or debit card to anyone, even if they are a friend. Also just say no if your friend wants you to cosign for a loan or financing for items like a TV.
Make sure your computer has up-to-date antivirus and spyware software. Always install any updates and patches to your computer’s operating system or browser software which help keep your computer safe from any new advances by identity thieves online.
Always check your credit or debit card statements closely for any suspicious activity. The sooner you identify any potential fraud, the less you’ll suffer in the long run.
When shopping on unfamiliar websites, always check the company out first with BBB online. Also look for the BBB Accredited Business seal along with other trust seals; click on the seals to confirm that they are legitimate.
Check your credit report at least once a year with all three reporting bureaus for any suspicious activity or inaccuracies. You can do this for free by visiting www.annualcreditreport.com.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

40 Billionaires Pledge To Donate Half of Their Wealth

8/5/2010

Posted on 8/5/2010 by

Denver, CO – August 5^th, 2010 – According to NPR, forty U.S. billionaires have pledged to give at least half of their wealth to charity - either during their lifetimes or after death. The list includes Bill and Melinda Gates, Warren Buffett, George Lucas, Michael Bloomberg and others.

They say they are doing this with the hope of inspiring others to donate to worthy causes as well. While the dollar amount might be less, the BBB encourages everyone to give like a billionaire by researching any charity fully before making a donation.

“Every experienced philanthropist has a thorough process for vetting charities in order to determine which worthy causes will be able to stretch their dollar the farthest,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “While we aren’t all billionaires, we can all give like one. Evaluating the effectiveness of a charity is more than just looking at the fundraising and administrative costs. Transparency, impact, and accountability are also important factors that everyone should consider before they give.”

The BBB recommends the following five steps to give like a billionaire:

Take the time to check the organization out with the BBB, (www.denver.bbb.org) and the Colorado Secretary of State. Don’t be pressured to give before you do your research.
Consider more than just the charity’s finances. Impressive financial ratios are not a guarantee that a charity is being run ethically and effectively. Review the BBB’s Standards for Charity Accountability to identify fundamental features of a responsible organization.
Don't be fooled by names that look impressive or that closely resemble the name of a well-known organization. Sometimes name similarity is used deceptively to confuse the potential donor.
Watch out for appeals that focus solely on a problem but don’t clearly explain what the charity intends to do about it. The charity’s intended program activities should be spelled out.
If you want to consider donating to a newly established charity, take the time to review the charity’s program plans including its board approved budget. Make sure that it has the capacity to be able to follow through on its intended objectives.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

53,000 BBB Complaints Against Satellite TV in 3 Years

8/3/2010

Posted on 8/3/2010 by

Denver, CO – August 3^rd, 2010 – In the past three years, more than 53,000 customers have complained to the Better Business Bureau, (BBB) about satellite TV providers, with 39,000 of those complaints filed against Los Angeles-based DirecTV and 13,000 filed against Englewood-based Dish Network. Many complaints stem from fees and terms outlined in the customer agreement and the BBB recommends that TV viewers planning to make the switch to satellite should read the fine print closely.

According to company reports, DirecTV has more than 18 million customers in the US and Dish Network has more than 14 million. The complex policies and fees that are sometimes unique to satellite service has led many customers to complain to BBB about the contractual obligations outlined—but often overlooked—in the fine print of their agreement.

“Many complaints to BBB about satellite providers stem from steep cancellation fees,” said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. “If customers aren’t satisfied with their service or they can’t afford the cost after the introductory period, it isn’t that easy to cancel because the early termination fees can run into the hundreds of dollars.”

The following are examples of common complaints the BBB receives about satellite TV providers:

Early Termination Fees: Complainants report paying cancellation fees amounting to more than $600. Commonly the customer felt that the company didn’t provide the services promised and they shouldn’t have to pay to cancel service they weren’t happy with or didn’t receive. In some cases the customer claims they were not aware of the policy or that a sales rep misrepresented the terms.
Introductory Offers: Many promotions will offer a lower price or premium channels for an introductory period, after which the customer will be charged the full price. Some complainants state their monthly bill increased substantially more than they anticipated. Others state they were promised gift cards for signing up that never materialized or rebates that couldn’t be redeemed immediately.
Billing Issues: Some complainants state that they were charged for services they didn’t order—such as pay per view movies—or were charged for services which they thought would be free. Complainants also cite issues with returning the receivers to the company and still being charged. In some cases the unexpected charges were the result of expiring introductory rates or offers.
Service Issues: Complainants have also contacted BBB over reception quality issues, channel offerings or difficulties in getting equipment repaired.

Upgrades Resulting in Contract Extension: Some complainants were upset to learn that when they upgraded their service or equipment, it resulted in a contract extension and they were later charged fees for early cancellation.

When signing up for satellite TV, the BBB recommends that customers:

Get it all in writing: Don’t just take a salesman, installer or customer service representative’s word for it. You might also be speaking with a third-party retailer and the verbal promises may not show up in the final customer agreement with the satellite provider.
Read the terms and conditions carefully: Pay close attention to the terms on introductory offers, equipment costs and the cancellation policy.
Check every bill closely: The sooner you spot inaccuracies in billing, the better. Even if you have your account set up to automatically charge your credit card or debit your checking account, always review your monthly bill closely for any new or unusual charges.
Mark your calendar: Put important dates down on your calendar such as when you need to cancel introductory promotions for premium channels and the end of your contract.
File a complaint with the BBB: Consult the terms that you agreed to and if you’re unable to reach an agreement with your satellite provider, file a complaint with the BBB. Both Dish Network and DirecTV consistently respond to complaints and the BBB has been able to help consumers receive refunds in many cases.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Free Laptops Advertised on Radio Appear to Be Bogus

8/2/2010

Posted on 8/2/2010 by

Denver, CO – August 2^nd, 2010 – With school starting very soon, an offer for a free laptop may be very appealing to students and parents of students. A company out of Canada called, FreeUSLaptop.com advertises heavily on local radio stations offering a free laptop.

Their commercials prompt you to visit their Web site by repeating it several times and some even contain testimonials from people who say they’ve received the free laptop and “couldn’t believe it”. The BBB’s advice is, “don’t believe it”.

According to complaints filed with the BBB in Mid-Western and Central Ontario, Canada, at the Web site consumers are asked to complete a survey and sign up to participate in trial offers with their “sponsors”, (Netflix, book clubs, etc.) That is the first red flag – this offer really isn’t free. Consumers have to try products which usually initially cost money and may cost more money in shipping if they receive items they didn’t sign up for.

More importantly, all four complaints recently filed state that the consumer never received their laptop. The company has an F rating with the BBB for not responding to any of the complaints.

It is unknown whether or not FreeUSLaptop.com’s “sponsors” are truly affiliated with them and if they know about the company’s deceptive marketing tactics.

The BBB advises:

· Don’t assume that because a radio station is reputable, all of the advertisers on that station must be too.

· It is extremely common for “free” offers to be deceptive. Be very wary of big ticket items being offered for free or at deep discounts. This is usually just a ploy to lure you into a scam.

· Always read all of the terms and conditions before agreeing to any offer, especially if your credit card is required.

· Always check first with the BBB at www.denver.bbb.org or by calling (303) 758-2100.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Beware of Phishing Scam Targeting Businesses

7/27/2010

Posted on 7/27/2010 by

Businesses need to beware of an old malicious e-mail that has resurfaced. The e-mail fraudulently appears to be from a Better Business Bureau, (BBB) about a complaint filed against the company.

Beware of fake complaint notifications coming from seatac@bbb.org. This email address does not belong to any BBB. The subject line reads “BBB Complaint Case #” followed by a nine-digit number. Both BBB Accredited and non-BBB Accredited businesses have been targeted.

The body of the e-mail claims that the company did not respond to a complaint filed by a Jason Harlow, (other names may have also been used) and includes a link to a page at www.ca-bbb.org where the business can supposedly review the complaint. Most businesses have claimed when they click on this link, they cannot access the complaint. That’s because the link is suspected to contain a virus the scammer is trying to upload to the victim’s computer.

Many BBBs across the nation received several calls in the last few days from businesses who received this email including the BBBs serving Denver, Spokane, WA, Birmingham, AL, Louisville, KY and San Diego, CA.

Because the message is fraudulent, the BBB advises any business that receives this e-mail to take the following steps:

• Do not click on any links or reply to the message

• Forward the message to phishing@council.bbb.org

• Completely delete the message from your inbox

• Run a full virus scan on your computer if you clicked on any links

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

‘Cheater Spi’ May Be Cheating Potential Clients

7/26/2010

Posted on 7/26/2010 by

What makes a business credible? Is it how long they’ve been operating, customer reviews or BBB Accreditation? A local private investigation firm, Mile High Investigations was brought to the BBB’s attention for allegedly falsifying all such credentials.

The company’s online advertising contains several customer reviews which complainants stated were not written by clients but by the company itself. There are also concerns surrounding the company’s claim to have been in business since 1999 when it is suspected to have started much later than that. Furthermore, the company’s Google listing contains use of the BBB’s name, which is a violation of the BBB’s federally registered trademark rights since the company is not BBB Accredited.

The firm was also suspected to have been using photos of catching people cheating on its Web site, www.cheaterspi.com which were allegedly not taken by the company. The photos appeared to have been stolen from a competitor’s Web site.

The BBB requested Mile High Investigations to cease advertising the BBB name as well as address all of the other advertising issues. The company did not respond and therefore, has an F rating with the BBB.

“We take truth in advertising very seriously,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “Especially when it’s clear that a business may be using false information to boast credibility and build trust with the public. It’s not fair to anyone.”

If you are interested in hiring a private investigator, the BBB advises the following:

· Get the company’s BBB Reliability Report first at www.denver.bbb.org or 303.758.2100.

· Experience is especially key. Ask how you can independently verify any and all qualifications they claim.

· Work in this industry can also be dangerous so verify that the company is insured.

· The service should come with a written contract. Make sure you understand and agree to all of the terms before signing.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Beware of Scammers Posing as Auto Dealers Online

7/20/2010

Posted on 7/20/2010 by

In August of 2009, the office of Better Business Bureau Serving Denver/Boulder, (BBB) was flooded with calls about fraudulent auto dealer Web sites offering very low prices for repossessed cars. According to several other BBB offices, this scam is back. Victims think they are buying from a reputable dealer online but are actually sending money to scammers posing as legitimate, established community dealerships.

Most recently, one Memphis auto dealer, America Auto Sales, received more than 1,000 calls from consumers across the country who had shopped for a new car on www.americautosales.com thinking that it was the Web site of the Memphis dealership. The phony Web site used the name, address and contact information of the real dealer.

The fraudulent Web site claimed to sell repossessed cars at well below market prices. Buyers were instructed to wire a deposit - as much as $5,000 - to an individual rather than the company, which, according to the phony Web site, “helps us avoid taxes legally.” The balance was to be paid upon delivery at the consumer’s address within five days.

After paying the deposit, victims called the real dealership to arrange delivery of their car. Some customers even showed up at the lot to pick up the cars they had “bought” on the bogus site.

Similar Web sites have posed as many different dealers in Colorado, Florida, Georgia, Michigan, New Mexico and Texas. Some sites even included a BBB logo that linked to a fake BBB report giving reflecting an A+ rating. The Web sites are often taken down after a few days only to crop up shortly thereafter under a different URL address and under the name and contact info of another legitimate dealer.

The BBB recommends that car shoppers look for the following red flags when shopping for a car online:

• The prices are too good to be true.
• The dealer only communicates through chat or email - never by phone.
• The dealer only accepts payment by money wire transfer.

If you have been the victim of a fraudulent auto dealer online, notify your BBB at www.denver.bbb.org and the Internet Crime Center at www.ic3.gov to file a complaint.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Ultimate Electronics Resolves Best Buy Lawsuit

7/20/2010

Posted on 7/20/2010 by

In April, 2010, Minnesota-based Best Buy sued Ultimate Electronics for making advertising claims that it had lower prices than its competitors and shopped them daily to back up the claims.

Ultimate Electronics has since discontinued those specific claims and as a result of this, Best Buy withdrew its lawsuit on July 16^th.

The BBB Serving Denver/Boulder gives Ultimate Electronics an F rating for not responding to requests to modify ‘lowest prices’ claims, (and for having unanswered complaints). Though the company has discontinued claims that it price-shops Best Buy and other competitors daily, it continues to used ‘lowest prices’ claims.

"It’s good to see that Ultimate Electronics made an effort to resolve the matter with Best Buy. The BBB is still concerned that it states it has the lowest prices," said Dale Mingilton, president and CEO of the BBB Serving Denver/Boulder. "Especially when the BBB in Minnesota found that oftentimes, their prices were actually higher than competitors’. Until they prove or modify that claim, they will continue to have an F rating with the BBB."

According to the Denver Business Journal, Ultimate Electronics denied Best Buy's allegations of false and misleading advertisements in an earlier filing with Minneapolis' U.S. District Court. Ultimate Electronics has declined to comment on the suit.

When it comes to ‘lowest prices’ claims, your BBB offers the following advice:

· Don’t assume that ‘lowest price’ claims are true. You must shop around and make your own comparisons.

· Ask the company what the claim is based on and whether or not they offer any kind of guarantee.

· Many businesses have a meet-or-beat guarantee to try to encourage customers to find lower prices amongst competitors, and therefore feel it is fair to make the claim. Ask for the guarantee’s complete details in writing before pursuing it.

· Get the company’s BBB Reliability Report to find out if they have had any unresolved advertising issues or any other issues before doing business with them.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Tree Trimmer Arrested in Longmont for Exploiting Elderly

7/20/2010

Posted on 7/20/2010 by

The elderly and loved ones of the elderly need to always be on the lookout for predatory scammers. The Longmont Police Department recently announced that it arrested a man named, Ollie Eddington for grossly overcharging a 93 year old woman for tree trimming work.

According to the police, Eddington invited himself into the woman’s backyard and tried to convince her he was there to repair her roof. When she did not believe him, he told her he could trim her tree. She agreed to allow him to do this and after cutting four to six small branches he told her she owed him $2,400. She told him that was an outrageous price. He offered to reduce the price and she wrote him a check for $2,200 because she felt scared.

“The elderly are preyed upon because they tend to be vulnerable for many reasons,” says Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “The BBB constantly tries to warn this demographic about being taken advantage of and how to avoid these situations.”

Eddington is currently being held in the Boulder County Jail and the police’s report further states he is also on probation in Georgia for exploitation of the elderly. In Georgia, he is not allowed to work with anyone over the age of 70.

The Boulder County Sheriff's Office and Boulder Police Department are also investigating cases against Eddington and his employees. They do work under the business name, “Tree Guys.” A warrant has been issued for the arrest of Cloyde Kyle and police are still investigating Ollie Eddington Jr. The investigation found that Eddington and his crew may have done work at fifteen other locations in Longmont.

Anyone with information on further work done by Eddington’s business “Tree Guys” or Ollie Eddington should contact Detective Stephen Desmond at 303-774-4590 and Cynthia F. Taylor, Director for the Consumer Protection Division at the Boulder District Attorney’s Office: 303-441-3856.

In general, the BBB advises the elderly to:

not allow themselves to be pressured into transactions
never give out personal and/or financial information to unknown solicitors
always check companies out with the BBB first, (denver.bbb.org / 303.758.2100)

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Scammers Using BBB Name to Lure Colorado Victims

7/20/2010

Posted on 7/20/2010 by

Con artists often use the trusted name of the Better Business Bureau, (BBB) to give someone a false sense of security to participate in their scheme. A Denver resident was recently targeted in such a scam.

Someone claiming to be, “James Manley with the BBB” called the resident twice in one week claiming that she won a BBB raffle prize of $150,000. He said he could deposit it directly into her bank account. All she had to do was provide him with the bank account number, of course. Luckily she didn’t fall for it. The number the scammer was calling from; (876) 434-3752 originates in Jamaica.

“The BBB is a nonprofit organization and does not hold such sweepstakes or raffles,” says Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “Scams like these should serve as a reminder that you always have to verify someone is who they say they are – whether they call you or come to your door.”

Other similar scams have been reported in Colorado and all over the country. Earlier this year, another local man was called several times by someone claiming to be “Frank Carter with the BBB”. The imposter stated that the BBB has prize money to give away. He instructed the resident to wire $250 via Western Union to cover taxes.

If you receive such calls or anything similar, get as much information as possible from the scammer then hang up and contact the BBB, the U.S. Postal Inspector and the Colorado Bureau of Investigations. Do not give any of your information to the caller.

Better Business Bureau: (303) 758-2100 / www.denver.bbb.org

U.S. Postal Inspector: (877) 876-2455 / http://www.usps.com/postalinspectors

Colorado Bureau of Investigations: (303) 239-4300 / www.cbi.state.co.us

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

What to Do if Your Air Conditioner Goes Out

7/20/2010

Posted on 7/20/2010 by

With temperatures soaring near 100 in the middle of the summer, the last thing someone wants to deal with is a dead air conditioner. Calls have already started to come in to the BBB this week from consumers who are looking for a reputable company to repair or replace their air conditioning system.

Unfortunately, unethical companies take advantage of consumers who are anxious to get their home cool during blistering heat. The BBB warns that some of these practices may include quoting an inflated price or misrepresenting costs for repairs or even talking consumers into buying a whole new system when their current one may have only needed a minor repair.

To avoid getting caught up in such a heated situation, take the following advice from your BBB:

First, always check out companies with the BBB first at www.denver.bbb.org or (303) 758-2100. The BBB can also send you a list of BBB Accredited businesses in your area.
Obtain two or three bids from licensed contractors. Bids for extensive repair or replacement of heating systems should be submitted in writing. Estimates should always include a full description of the services to be provided. If the system needs to be replaced, the estimate should include a full description of additional work required for the installation of ducts, registers, and electrical wiring, and repair of adjacent surfaces.
Compare more than cost when examining the bids. Check the size of equipment each contractor recommends. Ask each contractor to explain how the estimate of the required cooling capacity and equipment was determined. This will save you from possibly purchasing a system that is too big for your home’s cooling needs.
Check the warranty offered; what does it cover, for how long and who will honor it? Read the contract thoroughly and understand it before signing. Always keep copies for your records.
Find out if a service contract is available providing you with an annual inspection and maintenance. Check your owner's manual for details on routine maintenance you can perform.

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About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Beware of Scammers Posing as Auto Dealers Online

7/20/2010

Posted on 7/20/2010 by

Last August, the office of the Better Business Bureau Serving Denver/Boulder, (BBB) was flooded with calls about fraudulent auto dealer Web sites offering very low prices for repossessed cars. According to several other BBB offices, this scam is back. Victims think they are buying from a reputable dealer online but are actually sending money to scammers posing as legitimate, established community dealerships.

After paying the deposit, victims called the real dealership to arrange delivery of their car. Some customers even showed up at the lot to pick up the cars they had “bought” on the bogus site.

The BBB recommends that car shoppers look for the following red flags when shopping for a car online:

• The prices are too good to be true.
• The dealer only communicates through chat or email - never by phone.
• The dealer only accepts payment by money wire transfer.

If you have been the victim of a fraudulent auto dealer online, notify your BBB at www.denver.bbb.org and the Internet Crime Center at www.ic3.gov to file a complaint.

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Red, White, and Scammed

7/12/2010

Posted on 7/12/2010 by
The used BMW was pretty, its silver paint gleaming, and the $17,000 price was reasonable. So, in March 2007, U.S. Army Spc. Diann Traina signed a contract, took out a loan, and traded in her pickup to buy the sedan at a dealership in Fayetteville, N.C., right outside the gates of Fort Bragg.

What she didn’t know was that the dealer had taken out a loan against his inventory and didn’t actually own the vehicle he sold her. Spc. Traina was never able to get the title to the BMW, so when the dealership shut down soon afterward, she was stuck—without a car and with an $11,000 debt. In the meantime, she had been deployed to Iraq, leaving her helpless to do much about it.

Like thousands of service members engaged in fighting America’s battles overseas, Spc. Traina had encountered a foe here at home. Young, inexperienced, and often drawing their first paychecks, enlisted men and women are easy marks for sleazy car dealers, insurance scammers, predatory lenders, and identity thieves. So pervasive are the rip-offs—and so troubling the debt incurred by military personnel as a result—that U.S. Department of Defense officials recently labeled the situation a threat to national security. “You don’t want them distracted while they’re out on the front lines,” says Clifford L. Stanley, undersecretary of defense for personnel and readiness. “But they will be if they’re worrying about what’s going on at home.”

Dwain Alexander II, a civilian lawyer for the Navy in Norfolk, Va., seconds the opinion. “If you’re sitting at the helm of a multibillion-dollar vessel and you’re worried about whether your wife can stay in the place you’re renting, you’re not fully focused on what you’re doing. Incremental mistakes can lead to catastrophic endings.”

America’s soldiers, sailors, airmen, and marines have guaranteed paychecks and won’t ever get laid off. These factors make them good credit risks. It also makes them targets. “There are a lot of people who see service members as cash cows,” says Holly Petraeus, director of the military program of the Better Business Bureau (BBB) and wife of Army Gen. David Petraeus, whom President Obama recently named to serve as commander of U.S. and NATO forces in Afghanistan. “Go to any city with a big military installation, and there’s a cluster outside the gates—Fast Freddy’s auto loans, pawn shops, check cashers.” The daughter of a four-star general, Petraeus advocates for service members and their families and works with BBB affiliates to provide troops with financial education.

A recruit typically earns less than $1800 a month, and too often these modest paychecks are carved to bits by bad deals. According to Navy lawyers, a computer store outside the Great Lakes Naval Training Center in Illinois employed attractive women to troll for new sailors. Once inside, the recruits were pressured into buying bare-bones laptop computers—for more than $4000. (The store has since closed.)

Life-insurance scams are another scourge. When John Oxendine, Georgia’s insurance commissioner, learned that soldiers at Fort Benning had been sold “extremely overpriced” or misrepresented policies before shipping off to the Middle East, he helped launch a multistate investigation. The probe has spurred companies to offer $70 million in refunds to thousands of service members. “What you’re basically seeing is war profiteering,” Oxendine says. “These are people who are putting their lives on the line for us. We owe them.”

Washington has waged war against the scammers with limited success. When a 2006 Defense Department report cited payday lenders as a threat—rates for short-term loans had soared as high as 780%—Congress passed an amendment to the Defense Authorization Act of 2007 that capped rates on such loans to military personnel at 36%. “Many payday-loan businesses stopped lending to service members,” Petraeus says, “because they said they couldn’t make a profit.”

The less principled, however, simply altered their tactics. Some lenders abide by the cap but drown their products in fees—in one reported case, $452 of charges were piled on a $1000 loan. Others base their businesses offshore and call their offerings “revolving lines of credit”—both so they can skirt U.S. laws and charge 500% interest. In her Arlington, Va., office, Petraeus typed “ military loans” into Google. “I got about 2.5 million results from that,” she says. “A lot of them are predatory or just outright scams.”

Those in uniform have more than money to lose if they’re taken for a ride. Financial trouble is a major reason that service members are stripped of security clearance. “When officials do an investigation for security clearance,” Petraeus explains, “they look for vulnerabilities that would make you prone to offers.”

Unscrupulous auto dealerships are a huge source of complaints, defense officials say. In exchange for “easy credit,” buyers may pay jacked-up prices, hidden fees, and interest rates of 15% to 20%. Military financial counselors have files full of horror stories. Bad dealers have taken buyers’ cars in trade, promising to pay them off, and then gone out of business without doing so, leaving service members with two car payments. There are also “yo-yo” deals, in which a service member is sold a car but told a few days later that financing fell through and that keeping the vehicle will cost thousands of dollars more. Some dealers pounce on troops as they arrive home from deployment. “They pick up these guys as they walk off the ship,” Alexander says. Marines at North Carolina’s Camp Lejeune were offered rides to a dealership that turned out to be more than three hours away—and then were left stranded and in danger of going AWOL if they didn’t buy.

Perhaps the most obnoxious offenders are those who pose as all-American boosters. “They put up big flags and say, ‘Welcome, sailors; welcome, soldiers,’” says Rosemary Shahan, president of the Consumers for Auto Reliability and Safety, a nonprofit auto-industry consumer watchdog based in Sacramento. “But the bigger the flag, the worse their practices. You get to be very cynical about it.”

In some areas, base brass are relying upon upstanding car dealers to police their own. Near Fort Campbell, Ky., and in coastal southeast Virginia, home to one of the largest military concentrations in the U.S., auto-sales businesses agreeing to a code of ethics have formed well-publicized alliances with the BBB and local commands.

Many of the bad guys, especially those working online, are frustratingly elusive. “They’ll just disappear and pop up under different names,” Petraeus says. “You have to get the word out to their targets.” The Pentagon has responded by mandating financial education for recruits. Since 2004, service members have been required to take a course in basic personal finance as part of their early training, and additional instruction is available online or in classes at major installations. The services also encourage enlisted personnel to have military lawyers review contracts before signing them, a free benefit. David Julian, who oversees the Defense Department’s Office of Personal Finance, says education has yielded “service members who are savvier than those of the past.” But he adds that the scammers are getting sharper all the time, too.

As for Diann Traina, now a staff sergeant, she has learned a hard lesson. Three years later, her BMW is a memory, but her $11,000 debt is not. “They said I could give $5000 and they’d consider it settled,” she says. “But I don’t have $5000 to spend on something I shouldn’t have to pay for at all.

“I now feel very educated,” she adds ruefully, “on the process of buying a car.”

by Earl Swift
Parade Magazine
published: 07/11/2010
For more articles from Parade Magazine click here.

Debt Elimination Company Shut Down By Attorney General

7/8/2010

Posted on 7/8/2010 by

Over the last year and half, the Better Business Bureau has consistently received serious complaints against a company called, Real Talk Radio Network, (amongst other names). Most complainants stated that they paid anywhere from $2,000 to $4,000 for “coaching” and education to help them eliminate their debts but only received empty promises. The company has an F rating with the BBB and 116 complaints currently on file.

On July 7^th, the office of the Colorado Attorney General announced that it filed a lawsuit against the company for suspicion of engaging in false and deceptive trade practices and violating Colorado’s consumer credit laws.

“The complaints that were coming in on this company were very alarming. Especially the ones that allege being promptly sent to collections if they couldn’t pay the high fees,” says Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “Operations like this are having a negative impact all over the nation and consumers in debt need to make careful decisions when seeking help.”

The Attorney General’s lawsuit details claims made on several radio stations in Colorado and California by company’s owner, David Burke and his associate, Erik Sale. On these shows, the company made promises that consumers could eliminate their debt in short period of time, pay off their mortgages in less than 10 years and “explode” their credit scores by following the company’s program. These shows prompted consumers to attend the company’s seminars.

At these seminars, consumers were pressured into signing contracts to pay a high fee to enroll in the company’s ‘program’. Consumers learned soon after they paid that the company was not interested in helping them.

“We put our faith in David B. [and his] coaches and it has gotten us nowhere and is costing us more money in interest now then when started,” states a complainant from Parker, CO.

The Attorney General’s lawsuit also alleges that David Burke misrepresented his credentials and didn’t divulge information about his financial history that might have changed consumers minds about his and his program’s credibility. For example, Burke told consumers that he was a graduate of the University of Southern California but he wasn’t and failed to tell them that he had filed for bankruptcy in 2000 and 2007.

The BBB serving Denver/Boulder received complaints from Colorado, California, New York, New Jersey, Pennsylvania, Arizona and Nevada.

If you are looking for help with your debt, the BBB advises you to:

· Prioritize debt repayments. Not all of your debt obligations carry equal weight. Start with the most expensive revolving types of credit.

· Ask your creditors to reduce interest rates. It doesn't hurt to contact your creditors to request an interest rate reduction or a new payment schedule.

Also, avoid companies that:

· Do not tell you your legal rights and what you can do – legally – for free.

· Recommend you do not contact a credit bureau directly.

· Want you to pay before any services are provided.

· Advise you to dispute all information in your credit report.

· Tell you to stop making payments.

· Take any action that seems illegal, such as creating a new credit identity by obtaining a federal employer ID number instead of a social security number.

· Offer to let you “piggyback” on another consumer’s or business’ good credit.

· Promise to erase bad credit and/or makes any other promises that sound too good to be true.

Regis University Students Help BBB Torch Award Nominees

7/6/2010

Posted on 7/6/2010 by

The Better Business Bureau Torch Award for Marketplace Trust is one of the most prestigious awards that a business or nonprofit can receive. To win, an organization must submit a compelling application that highlights excellence and ethics within its practices and dedication to community.

This year, Regis University and the BBB designed an eight-week college course for School of Management students to master the criteria for this award and help build the organizations’ applications.

“We are thrilled to launch this course in connection with our Torch Award program,” said Hope Marie Sneed, BBB Vice President of Development & PR. “It will be so beneficial to the students as well as the organizations they are helping. We can’t thank Regis University enough; they have been a long-time supporter of the BBB and the Torch Award.”

The students will collect data relating to the ethics of a business or nonprofit’s culture, operations and organizational dynamics. With this information, they will work with the nominees to compose Torch Award applications. These MBA and Undergraduate students will receive official credit and grades for their work with the businesses and nonprofits.

The class begins today, Tuesday, July 6^th. The BBB Torch Award winners will be announced on October 15^th, 2010. For more information, please visit http://denver.bbb.org/torch.

Inquiries Rise on Home Security Companies

6/29/2010

Posted on 6/29/2010 by

Although no alarm system will make your home completely burglar-proof, a home security system can reduce your chances of being burglarized and provide peace of mind. As summer is in full swing, alarm system installers are knocking on doors and concerned consumers are calling the Better Business Bureau to check them out.

In 2009 alone, the BBB received a total of 2,883 complaints against alarm companies nationwide. Common problems are deceptive sales practices and poor installation. One company that has been soliciting door-to-door in the metro area and has been the subject of many recent inquiries to the BBB is called, Pinnacle Security, LLC. They are based in Utah and have an F rating with the BBB serving Salt Lake City.

“This company has over a thousand complaints on file and what’s even more concerning is the government action that has been taken against them in recent years,” said Dale Mingilton, President and CEO for the BBB Serving Denver/Boulder. “The state of Utah has taken many measures to try to prevent this company from using deceptive practices. Colorado consumers need to be aware of this and check out any company coming to their door offering alarm systems this summer.”

Before selecting a home security system provider, BBB recommends consumers:

Get estimates from at least three companies before making a decision.
Understand that the installer and the monitoring company may be two completely separate companies.
Check them out with BBB by visiting www. denver.bbb.org or by calling (303) 758-2100.
Compare apples-to-apples bids on similar systems. Do not forget to factor in an initial installation charge, as well as monthly monitoring charges.
Ask for a complete inspection of your property and an itemized written estimate.
Review the sales contract closely to ensure you understand exactly what equipment and protection you will be provided.
Talk to your insurance agent; some systems may qualify you for a discount on homeowner's premiums.
Find out the length of the contract. Consider the following questions before you obligate yourself to a long-term contract: What is your recourse if you are not satisfied with the services provided? Can you cancel the contract? What are your rights if your monitoring company is purchased or acquired by another alarm company?
Insist that the installer “walk” you through your system until you fully understand how it works to prevent false alarms.

Are There Cleanup Jobs Available in the Gulf?

6/22/2010

Posted on 6/22/2010 by

According to the Better Business Bureau in Spokane, WA there is a questionable job opportunity circulating in Central Washington specifically targeting the Yakama Reservation. The job offers $40 an hour, room and board and transportation by bus to those willing to quit their “day jobs” to get on a bus and head to Louisiana to help with oil spill cleanup efforts. The local recruitment included the gathering of almost 500 names, addresses and social security numbers of Yakama Nation tribal members.

The BBB in Washington was told by the originator of this offer that BP is contracted to pay the workers. The BBB requested proof of this relationship and contract and has not received such documentation. An Oregon newspaper found that the person behind this particular offer, Christino Rosado, Sr. conducted a similar scheme in Oregon City recently. He offered 120 jobs at a fruit juice factory but never ended up buying the building he planned to use for the factory.

It has been verified that many subcontractors were, in fact, appointed by BP to recruit workers to help with the cleanup effort. However, it has been recently reported that those who traveled down to the Gulf to do this work have been turned away as the jobs are going to locals instead.

· This serves as a reminder to check out businesses before considering them for employment.

· Be suspicious of any employment-service firm or recruiter that promises to get you a job and that offers unusually good wages and/or benefits.

· Be extremely protective of your social security number and do not give it to anyone you don’t completely trust.

· Remember, if you want to help with the oil spill, donate to a charity that is directly working toward the efforts. A list of BBB Accredited Charities that are involved can be found at the news center on denver.bbb.org.

Colorado a Top State for Mortgage Fraud Says FBI

6/21/2010

Posted on 6/21/2010 by

The Federal Bureau of Investigations’ (FBI) 2009 Mortgage Fraud Report released this week shows Colorado to be a top state for mortgage fraud. The report contains information gathered from many sources including the FBI, U.S. Department of Housing and Urban Development – Office of Inspector General (HUD-OIG), Financial Crimes Enforcement Network, LexisNexis Mortgage Asset Research Institute, Fannie Mae, RealtyTrac, Inc., and Interthinx.

Some of these sources rank Colorado in the top ten states for mortgage fraud. The report also indicates that mortgage fraud is generally on the rise, according to pending FBI and HUD-OIG investigation increases. BBB complaints against mortgage companies are also on the rise. In 2008, 116 complaints were filed with the BBB Serving Denver/Boulder and in 2009 that number increased to 137.

“The FBI’s report on mortgage fraud is grim so people need to be as cautious as ever and let the BBB be a resource to avoid fraud,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder, “The good news is that the state of Colorado now provides some regulation and the federal government’s Financial Fraud Enforcement Task Force just announced some success points from its largest crackdown ever on mortgage fraudsters.”

To view the entire report click here: http://www.fbi.gov/publications/fraud/mortgage_fraud09.htm

For more information on the Financial Fraud Enforcement Task Force’s recent crackdown, click here: http://www.fbi.gov/pressrel/pressrel10/financialfraud_061710.htm

For more information on mortgage fraud and/or to check out a report on a business please contact your BBB at www.denver.bbb.org or (303) 758-2100.

Charities Assisting Gulf Coast Oil Spill Clean Up

6/17/2010

Posted on 6/17/2010 by

The websites of the following national charities describe activities that address the oil spill. This list only includes charities that meet the BBB Wise Giving Alliance’s Standards for Charity Accountability. Click on each of the names to access a BBB charity report on the organization.

American Bird Conservancy
Defenders of Wildlife
Ducks Unlimited
EarthShare
Environmental Defense Fund
Friends of the Earth
Greenpeace Fund
International Fund for Animal Welfare
National Audubon Society
National Wildlife Federation
Natural Resources Defense Council
Nature Conservancy
Oceana

Timeshares: What Buyers and Sellers Should Know

6/15/2010

Posted on 6/15/2010 by

This summer, many vacationers will be offered to purchase timeshares and many others may want to sell their timeshare. The timeshare industry has been problematic for many years and the BBB has the inside story on what consumers need to look out for.

Is buying a timeshare a scam? No, not in general but buyers need to know what they’re getting into. Be sure to read the contract very carefully and make sure that the timeshare will be available to you during times you’ll be able to visit. Also, make sure that your financial responsibilities are very clear and find out what the policy is if you decide you don’t want it anymore.

The real scams occur when someone decides they want to sell the timeshare. In the past, unethical companies offered to list one’s timeshare for a fee, but BBB complaints showed that they did not get listed, let alone sold and consumers could not get refunds.

More modern timeshare scams boast themselves on not being a listing company and offer to “transfer” ownership of your timeshare – for fee of course. The fees range from $2,000 to $3,000 and BBB complaints show that this “transfer” never occurs and consumers have no luck resolving the matter once their money is gone.

A company out of Castle Rock called, Preferred Professionals has been racking up complaints of this nature since last summer. They have an F rating with the BBB for many reasons including the pattern of complaints and for failing to answer and resolve complaints.

“If you want to sell your timeshare, your best bet is to do it yourself. Ask the resort for information on how to sell your shares through their bulletins or newsletters,” advises Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “Sadly, BBB complaints nationwide show that when consumers pay companies up front to list, sell or “transfer” their timeshare, they simply get taken for their money.”

Gulf Oil Spill Recovery: BBB Tips for Donors and Volunteers

6/11/2010

Posted on 6/11/2010 by

In the wake of any disaster, many reach for their checkbooks and donate money to aid and rescue organizations. The Better Business Bureau Wise Giving Alliance cautions, however, that the oil spill in the Gulf of Mexico is unlike previous disasters and offers specific advice to potential donors and volunteers.

“Businesses, communities and wildlife across several states have been seriously impacted by the spill and the need for assistance is great. However, the constraints in the cleanup effort limit what charities can do with your money or how you can volunteer,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder.

The BBB Wise Giving Alliance recommends that donors and volunteers consider the following:

Beware of well-intentioned but inexperienced organizations – New nonprofits and relief organizations spring up following any major disaster. While these groups might have the best of intentions, new charities responding to a crisis may lack the resources, experience and management needed to be effective. Ideally, look for established organizations with environmental expertise or experience aiding Gulf communities.

Understand where your money is going - Find out how the organization plans to spend funds for Gulf relief, ecosystem recovery and related activities. Among the activities that charities are promoting, in addition to shoreline rescue and protection, are needs assessment, litigation, economic relief, advocacy for new governmental energy policies and research into long-term solutions to minimize effects of future disasters. Ask if the organization offers to restrict your donation for use in its Gulf-related activities or intends to use it for general support for all of its programs.

Rely on expert opinion when it comes to evaluating a charity - Be cautious when relying on third-party recommendations posted on blogs or web sites, as the authors might not have fully researched the organizations they list. The public can go to www.bbb.org/charity to research charities to verify that they are accredited by the BBB and meet the BBB’s 20 Standards for Charity Accountability.

Find out if the charity is doing Gulf-related work or raising funds for other Gulf relief organizations - If a charity is raising money for other groups, you may want to consider “avoiding the middleman” and giving directly to those performing the work. Research ultimate recipients of the “middleman’s” donations to ensure that these organizations are equipped to do the job you want to support and are aware of the individual or organization soliciting on its behalf.

Volunteering for Gulf clean-up may require special skills or training - Learn what qualifications are necessary before setting off for the site. If you’re looking to get your hands dirty, you’re out of luck unless you’re certified to handle hazardous materials or have received training to care for injured wildlife. In fact, Gulf residents are being told not to handle any tar balls that wash up on the beach or animals that might be affected by the spill. Other volunteer opportunities may include shoreline monitoring, fund raising, office work, help in food programs for families in need and providing transportation. Numerous charities with volunteer programs ask that you register with them so that they can assess your skills and place you appropriately when openings arise.

There will be many opportunities to give, so keep checking – The Gulf region will be suffering from the effects of the oil spill for years to come and, as the situation unfolds, there will be more opportunities for donors to step in and help in the future. If you can’t find a cause you can get behind right now, plan to revisit the possibility of making a donation or volunteering in the months to come.

The BBB has compiled a list of national charities providing assistance to the Gulf Coast oil spill cleanup. This list only includes charities that meet the BBB Wise Giving Alliance’s Standards for Charity Accountability. Click on each of the names to access a BBB charity report on the organization.

Job Seekers Beware of Reshipping Scams

6/10/2010

Posted on 6/10/2010 by

The Better Business Bureau, (BBB) is receiving new reports about job seekers being lured into what is known as a ‘reshipping scam’ or ‘forwarding scam’. This is a scam in which foreign criminals purchase merchandise with a stolen or fake credit card and then hire U.S. citizens to have it shipped to their country.

Best Buy has informed the BBB that their name is being used in one of these scams. The scam targets unsuspecting job seekers via email with a solicitation to become a gift wrapper for Best Buy. The company has confirmed that it does not solicit or accept job applications or resumes via e-mail.

Another recent report involves a Web site called, www.1-stop-shopper.com which advertises as a concierge service for personal shopping. Employment offered on this site is for a ‘mail manager’ position. A resident in Alabama contacted the BBB after she started working for them due to suspicions. The second package she received to ship contained dozens of pre paid SIM cards. They turned out to be paid for with a stolen credit card and the owner of the credit card incurred six other fraudulent charges.

The BBB offers the following tips regarding this and other employment scams:

Avoid job listings that use descriptions like: “package forwarding,” “reshipping,” “money transfers,” “wiring funds” and “foreign agent agreements.”
Do not be fooled by official-sounding corporate names. Some scam artists operate under names that sound like those of long-standing, reputable firms.
Never forward or transfer money from any of your personal accounts on behalf of your employer. Also, be suspicious if you are asked to “wire” money to an employer. If a legitimate job requires you to make money transfers, the money should be withdrawn from the employer’s business account, not yours.
Do not give out your personal financial information. A potential legitimate employer will not request your bank account, credit card or Paypal account number. Only provide your banking information if you are hired by a legitimate company and you choose to have your paycheck direct deposited.
Do not fax copies of your ID or Social Security number to someone you have never met. Credit checks and fake IDs can be obtained with this information. Only give these documents to your employer when you are physically at the place of employment.
If you have been offered or have gotten involved in a foreign employment scam, immediately contact the FBI’s Internet Crime Complaint Center: www.ic3.gov / 800 251-3221.

School’s Out, Now What?

6/4/2010

Posted on 6/4/2010 by

Now that school is out and the weather is warm, it’s official: summer has arrived! This means three months – give or take – of no school, no homework and no after-school activities. Three months of, “Mom, I’m bored.”

Wherever your summer adventures take you, your Better Business Bureau, (BBB) has a few tips that will help make the sunny season worry free.

First, you know that kids will be in front of the computer anytime they get a chance. So if you haven’t already, make sure your computer has all of the latest updates and is running current antivirus software. Sit your child down and discuss “stranger danger” scenarios that happen online – inappropriate conversations in chat rooms and cyber bullying, for example – and what to do about them (report it to mom or dad and even the police if the situation warrants). If they do any social networking, monitor it regularly and make sure your kids know not to post too much information and know how to avoid criminals and scams.

Second, a variety of summer camps for every possible interest are available, be it soccer camp, computer camp or scout camp. To protect your children, don’t take the glossy brochures or Web sites at face value. Take time to do research, (including checking with the BBB) visit the camp and check out references before handing over the camp fee.

Third, if you need to hire a sitter, nanny or daycare to watch your kids over the summer, do very good homework. Check with the BBB and make sure the individual or facility is licensed with the Division of Child Care, (call 303 866-5088). It’s also very important to do background checks on anyone who will be in care of your children.

And if you go on vacation, research travel companies and lodging with the BBB before making the reservation to ensure that the “family friendly” resort is indeed just that.

Relay Service Used in Recent Scam Against Businesses

6/4/2010

Posted on 6/4/2010 by

Last summer, the BBB received calls from businesses that were targeted by scam artists abusing Telecommunications Relay Services (TRS). According to a local Denver business manager and other businesses across the nation, this scam is making another round and some areas even hear about it on a consistent basis.

The Telecommunications Relay Service is a telephone service that allows people with hearing or speech disabilities to place and receive phone calls. TRS communication assistants serve as a ‘middle man’ for the call, relaying what the impaired person types to the called party by voice.

How the scam works:
The scam operator places a call through TRS to a local auto repair business stating they want to send their vehicle to the shop for repairs. The scammer then gives the shop a credit card to charge for the repairs and shipping fees. The scammer asks the company to wire the shipping amount to the “towing company” that will be delivering the vehicle. Unbeknownst to the company, the money is actually being wired to the scam operator. Later, the shop receives a call from their credit card processor informing them the card was stolen and charges will be reversed on the shop’s merchant account. The shop has been scammed and is unable to recover funds. Other forms of this scam are “over-payment” situations where the caller places a large order, asks to charge a higher price to the card and then asks the company to “do a favor” for them by wiring the leftover money directly to them.

All Businesses Beware:
This scam usually targets business in the auto repair industry; however, the scam can easily be altered and used on any business.

Your BBB reminds ALL businesses:

To keep their guard up and never wire money to anyone unfamiliar regardless if they have given you a credit card to cover the cost.
Inform all of your employees to beware of similar phone calls.
Establish policies about payment processes and make sure all employees follow protocol.

Contractors Ready to Take Advantage of Storm Victims

5/28/2010

Posted on 5/28/2010 by

If your property has been damaged by recent wind, hail or tornado activity, your Better Business Bureau, (BBB) warns that unethical contractors may target you. Ever since similar storms began last summer, the BBB has received many calls and complaints about unethical contractors and storm-chasers.

Complaints against roofers have especially grown. In 2008, a total of 119 complaints were filed compared to 2009, where a total of 320 complaints were filed. The number is expected to be even higher for 2010 as already so far, the BBB has received 272 complaints against roofers.

Your BBB wants you to know that storm chasers are not just roofing contractors, however. Use caution in dealing with landscapers, siding contractors, tree service companies, window contractors and auto body repair companies.

If your property has been damaged by any of the recent weather, your BBB wants you to remember the following:

· DO NOT sign a contract with the first company you come across. Always get 3 bids and check each company out with your BBB either by visiting our website, www.denver.bbb.org or call (303) 758-2100.

· DO NOT trust that someone is who they say they are. Get their business card and contact the main office for the company they say they work for and verify the person’s employment.

· Be cautious of doing business with anyone from out of state. They may be here one day and gone the next.

· If you sign ANYTHING, read it very carefully to make sure you clearly understand what you and the contractor are both responsible for.

· Contact your insurance company to request an inspection before involving any contractor.

· DO NOT give your insurance information to a contractor and do not allow them to file a claim on your behalf.

· Verify that the contractor is licensed with your county building department.

· If you signed a contract that locks you into paying even if no work is done, contact your attorney immediately.

National Small Business Week

5/24/2010

Posted on 5/24/2010 by

More than 27 million small businesses serve as the backbone of our economy and provide 60-80 percent of new jobs. In the midst of the recession, many small business owners are struggling to stay in business. As part of National Small Business Week, Better Business Bureau wants small business owners to know that they’re not alone. Following are free resources available online from your BBB and federal agencies for small business owners to help them stay afloat in a tough economy.

BBB Data Security – Made Simpler

BBB partnered with data security experts at Symantec Corporation, Visa Inc., Kroll’s Fraud Solutions and NACHA – The Electronic Payments Association to produce free, easy-to-understand data security guidelines, with checklists and links to data security resources that make sense for small businesses. BBB’s Data Security – Made Simpler arms small business owners with the information they need to protect their customers…and their business. www.bbb.org/data-security/

BBB TrustBrief

The BBB TrustBrief is a free weekly email for small business owners to help them stay on top of the recent headlines and get the best guidance and expert advice on running a business. You can sign up for a free subscription at www.smartbrief.org/bbb

BBB Tips on Direct Selling

BBB and the Direct Selling Education Foundation have created a series of articles, videos and PSAs to educate direct sellers, their customers and even those considering a career path in direct selling. Free tips and advice you can trust on direct selling are available at www.bbb.org/us/dsef-tips

Business.gov

Business.gov is the U.S. Government's official website for small businesses. Business.gov provides small business owners with information and resources they need to comply with laws and regulations, and to take advantage of government programs and services to help them start, expand and run their businesses. http://www.business.gov/

Federal Trade Commission (FTC)

Wondering what kind of proof you need to back up the claims in your ads? Planning on using email to publicize your company? Thinking about buying a franchise or business opportunity? Concerned about your legal obligation to keep information secure? The FTC has free resources on best practices for complying with the law, many of which you can order in bulk for your employees at no charge. Written with a minimum of legalese, the FTC offers online tutorials, videos, and more than 100 to-the-point publications created with the small business owner in mind: http://ftc.gov/bcp/business.shtm

US Small Business Administration (SBA) Small Business Training Network

A virtual campus housing free training courses, workshops and knowledge resources designed to assist entrepreneurs and other students of enterprise. The Training Network makes SBA's business management resources available 24/7. http://www.sba.gov/training/

SCORE

SCORE is a unique federal government resource that utilizes volunteers, both working and retired, with expertise to advise small businesses, lead business seminars, and coach entrepreneurs online. A resource partner of the SBA for more than 40 years, SCORE has helped more than 7 million businesses succeed and stay active in the local and national small business marketplace. http://www.score.org

Small Business Development Centers (SBDCs)

SBDCs provide management assistance to current and prospective small business owners. SBDCs offer one-stop assistance to individuals and small businesses by providing a variety of information and guidance in central and accessible branch locations. The program is a cooperative effort of the private sector, the educational community and federal, state and local governments. http://www.sba.gov/sbdc/aboutus.html

The National Women's Business Council (NWBC)

The NWBC is a bi-partisan federal advisory council created to serve as an independent source of advice and policy recommendations to the President, Congress and the SBA on economic issues of importance to women business owners. The council's mission is to promote bold initiatives, policies and programs designed to support woman business enterprises at all stages of development in the public and private sector. http://www.nwbc.gov

U.S. Export Assistance Centers (USEACs)

USEACs provide export information and development assistance to help small businesses take advantage of export markets, including trade counseling, training, legal assistance and publications.
http://www.sba.gov/oit/export/useac.html

More advice for small business owners can be found online from the Better Business Bureau at http://www.bbb.org/us/Business-Resources/

Loan Modification Scam Gets Attention of Attorney General

5/17/2010

Posted on 5/17/2010 by

Consumers who hired American Mortgage Consultants to modify their loans paid large upfront fees and received nothing in return, according to complaints filed with the BBB and the office of the Colorado Attorney General.

A consumer protection lawsuit was recently filed by the Colorado Attorney General against the company’s owner, Oliver Maldonado and its principal employee, Santiago Fabian Pineda. Not only is it illegal for this type of company to charge upfront fees, but the company caught the attention of the Attorney General by appearing to not provide the advertised services at all and by implying a government affiliation.

American Mortgage Consultants has an F rating with the BBB for the serious pattern of complaints and for not answering any of the complaints filed.

Scams within the loan modification and foreclosure rescue industry have been prevalent in the last couple of years. Consumers interested in such services should note the following:

· According to the Attorney General, it is illegal in Colorado for a loan modification or renegotiation company to charge you an upfront fee. Loan modification companies can only charge you once their services are completed. Never pay up front!

· Use extreme caution if a company tells you to stop making payments and/or to stop working with your lender.

· Promises to eliminate debt should not be trusted; they cannot be proven.

· Check directly with your lender to see if they have a loan modification program…many do.

· If using a loan modification or foreclosure rescue company, always check with your BBB first. Reports are available 24-7 at www.denver.bbb.org or by calling (303) 758-2100.

· More free help may be found by calling the Colorado Foreclosure Hotline at 1-877-HOPE (4673).

Charities at Risk for Losing Tax-Exempt Status

5/13/2010

Posted on 5/13/2010 by

Nonprofits whose fiscal year is the calendar year must file their Form 990 with the Internal Revenue Service, (IRS) by Monday, May 17^th otherwise their federal tax-exempt status will be automatically revoked.

The Pension Protection Act of 2006 orders all nonprofit organizations, other than churches and church related organizations, to file an information form with the IRS which is the Form 990. According to the IRS, this requirement went into effect in the beginning of 2007, which made 2009 the third consecutive year under the new law. Any organization that fails to file for three consecutive years automatically loses its federal tax-exempt status.

“The importance of the Form 990 is to ensure that nonprofits do not abuse their tax exempt status by unethically allocating their funds and/or by profiting in any way,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “When the BBB reviews charities, this is one of the first items we look for.”

The BBB sets forth twenty standards for charities, all of which correlate to the same concept of ethics and transparency. All BBB Accredited Charities have a current Form 990 on file with the IRS and meet all of the other BBB Standards for Charitable Accountability.

To check a report on a charity, to find a BBB Accredited Charity, and/or for more information about charity standards please visit www.denver.bbb.org or call (303) 758-2100.

Unethical and Fraudulent Collection Practices on the Rise

5/11/2010

Posted on 5/11/2010 by

A scammer’s goal is usually to collect some kind of money from a victim and they have many devious ways of achieving this. Lately it appears that the method of choice is to simply pretend to be a collection agency.

Calls and Web inquiries to the BBB on collection agencies have risen 131 percent, (when comparing year-to-date 2009 with year-to-date 2010). What’s even more concerning than the spike in inquiries is the nature of calls received by the BBB. Consumers are stating that collections are unwarranted; the entity contacting them is uncooperative in proving the debt and is threatening them with credit damage, lawsuits and even arrests. It is also stated that entities claim to have identifying information such as social security numbers.

“We don’t want consumers to fall for scare tactics. Some of these practices are downright illegal,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “Consumers need to verify debts and know their rights before making any payment.”

One entity the BBB is very concerned about goes by the name, Department of Law and Investigation or Law Investigations Cash Net. This entity claims to be located in Colorado but the number they call from is Washington-based and consumers state callers speak with a foreign accent. They are attempting to collect for supposed unpaid loans.

Colorado Attorney General John Suthers recently observed a spike in similar activity. According to a news release issued by his office, consumers are being contacted by entities using company names that are not licensed to collect debt in Colorado and that calls are coming from “unknown” phone numbers or “000-000-0000.”

The Colorado Fair Debt Collection Practices Act provides many protections for consumers including the prohibition of threatening and harassing communications, false claims of government affiliations and misrepresentation.

Consumers who receive threatening collection calls or letters are encouraged to file a complaint with the Colorado Collection Agency Board at www.coloradoattorneygeneral.gov/complaint, over the phone via 1-800-222-4444 or by e-mail to cab@state.co.us.

# # # #

About the BBB
The BBB is an unbiased nonprofit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB Accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. The BBB provides objective advice, free BBB Reliability Reports^TMon businesses and BBB Wise Giving Reports^TMon charities, and educational information on topics affecting marketplace trust. To further promote trust, your BBB also offers dispute resolution services for consumers and businesses. The first BBB was founded in 1912. Today, 125 BBBs serve communities across the U.S. and Canada. Please visit www.denver.bbb.org for more information.

Moving Scams: What to Avoid this Season

5/3/2010

Posted on 5/3/2010 by

ollowing a few simple rules when looking for a mover will go a long way toward protecting you from being victimized by scammers this summer, advises the Better Business Bureau (BBB) and the American Moving & Storage Association (AMSA).

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

Unfortunately, every year, the BBB receives extremely serious complaints from consumers who have fallen prey to dishonest and sometimes unlicensed moving companies.

The BBB received more than 8,400 complaints nationwide against movers in 2009. Complaints to the BBB about movers are primarily about damaged or lost goods and final prices in excess of original estimates. In a common worst-case scenario, the moving company will essentially hold the customer’s belongings hostage and require potentially thousands of dollars to unload the truck.

“Virtually anyone with a truck and a Web site can claim to be a mover and they can’t all be trusted to adhere to standards for honesty and ethical conduct,” said AMSA President and CEO Linda Bauer Darr. “When it comes to such an important decision, you can save a lot of heartache by doing just a little homework to track down the companies that put customer service and integrity first. For interstate moves, that means an AMSA certified ProMover.”

“Checking a mover’s credentials is critical and easy. Last year alone, consumers relied on the BBB more than 1 million times for finding a trustworthy mover,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “When making the final choice, go with a BBB Accredited Businesses or, at the very least, choose a business that doesn’t have a bad BBB rating.”

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

Research the Company Thoroughly. While state regulations vary, all interstate movers must, at minimum, be licensed by the Federal Motor Carrier Safety Administration and are assigned a motor carrier number you can verify at www.protectyourmove.gov. Also check the company’s reliability report with your BBB. The BBB maintains more than 17,000 reliability reports on movers across North America. Having a satisfactory BBB rating is one of seven screenings that AMSA relies on when authorizing its interstate mover members to display the ProMover logo, the sign of a quality, professional mover which has pledged to abide by the organization’s Code of Ethics.

Get at Least Three In-Home Estimates. No legitimate mover will offer to give you a firm estimate on-line or over the phone. Also keep in mind that the lowest estimate can sometimes be an unrealistic low-ball offer which can cost you more in the end.

Know Your Rights. Research your rights as a consumer with both the state you currently reside in and where you are moving to. Also enlist the help of your BBB or local law enforcement if the moving company fails to live up to its promises or decides to hold your belongings hostage.

More tips and information on how to choose a mover and plan your move are available at AMSA's consumer Web site, www.moving.org; and the U.S. Department of Transportation's site, www.protectyourmove.gov. To research a mover in your area, visit www.denver.bbb.org.

Best Buy Sues Ultimate Electronics over Advertising

4/26/2010

Posted on 4/26/2010 by

Best Buy is fed up with Ultimate Electronics’ advertising and on Friday, filed a suit against them in Minneapolis' U.S. District Court. Best Buy is specifically challenging Ultimate Electronics’ claim that it has the lowest prices. Ultimate Electronics asserts that this claim is based on daily shopping of competitors and constant adjusting of prices. Best Buy says this is simply not true.

"In fact, however, because Ultimate's prices are often higher than Best Buy's, consumers do need to comparison shop to obtain the lowest prices," Best Buy attorneys stated in the suit.

Six Ultimate Electronics stores in the Minneapolis area are the target of the recent suit but its headquarters are based in Thornton, Colorado. The BBB Serving Denver/Boulder gives the company an ‘F’ rating due to the same advertising concerns as well as unanswered complaints.

In January, 2010, Best Buy tried to get this matter resolved through the Council of Better Business Bureaus’ National Advertising Division, (NAD). The NAD notified Best Buy in April that Ultimate Electronics refused to cooperate in the self-regulation process and that it referred the case to the Federal Trade Commission.

“Lowest price claims should generally not be trusted unless they can be proven or are backed by some kind of ‘meet-or-beat’ guarantee,” says Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “Ultimate Electronics never provided anything to our office that substantiates its claims and that is the main reason for their F rating.”

Along with seeking several damages, Best Buy’s suit asks for the judge to order Ultimate Electronics to discontinue and destroy all challenged advertising and to create new, accurate advertising.

BBB International Torch Awards Honor Ethics in the Marketplace

4/21/2010

Posted on 4/21/2010 by
Better Business Bureau honored FDIC Chairman Sheila Bair, Consumers Union leader James Guest, Amazon.com, Verizon and Villa Springfield Health and Rehabilitation Center this evening at the BBB International Torch Awards in Washington, DC. The Torch Awards are given by the Council of Better Business Bureaus to recognize businesses and executives exhibiting integrity in the marketplace and exemplary dedication to advancing trust between businesses and consumers.

“For several years, we have experienced an unmistakable crisis of trust in the marketplace but there are still many businesses and leaders who continue to carry the torch for ethics, honesty and respect for the consumer,” said Steve Cox, President and CEO of the Council of Better Business Bureaus. “By recognizing today the exemplary commitment of this select group, we hope to encourage all businesses and leaders to follow the examples set by our honorees.”

Sheila C. Bair, Chairman of the FDIC, was presented the President’s Award by Steve Cox. “From restructuring federal oversight of the financial industry, to raising consumer awareness of subprime lending and foreclosure scams, to educating children on money and finance, Ms. Bair has charted an amazing course,” said Cox.

The Torch Award for Consumer Leadership went to James A. Guest, CEO of Consumers Union—publisher of Consumer Reports. His award was presented by Robert Adler, a Commissioner with the Consumer Product and Safety Commission. “Throughout his career, Mr. Guest has been a tireless advocate for the consumer’s right to know about, and to be protected from, unsafe and misleading products and services,” said Mr. Adler.

Amazon.com, Inc. received the Torch Award for Advancing Marketplace Trust, which recognizes businesses that set high standards of excellence for trust through innovative voluntary actions, programs or sustainment activities. Amazon.com was recognized for being a global leader in e-commerce and creating the highest standards for the online purchasing experience.

Two companies – Verizon and Villa Springfield Health and Rehabilitation Center – received the Torch Award for Marketplace Excellence.

Verizon commits to putting its more than 100 million customers first by providing excellent service and great communications experiences. Their goal is to operate at the highest level of integrity and accountability – from the way they serve their customers and shareowners to the way they impact their communities and the environment. Villa Springfield has embodied the commitment and best practices of an ethical company with its mission to offer a superior level of care, treat every person with dignity, adopt innovative and progressive strategies, focus on residents’ well-being and provide impeccable customer service.

The BBB International Torch Awards was held this evening at the Andrew W. Mellon Auditorium in downtown Washington, D.C. David Plouffe, political strategist and author of The Audacity to Win: The Inside Story and Lessons of Barack Obama’s Historic Victory delivered the keynote address and ABC 7/WJLA-TV co-anchor Horace Holmes served as Master of Ceremonies.

BBB would like to thank Hewlett Packard Company and Visa, Inc. as “Integrity Circle” sponsors of the event.

Presented annually since 1996, the BBB International Torch Awards recognize businesses and individuals that maintain outstanding dedication to upholding ethical business standards and promoting trust in the marketplace. BBB Torch Awards are awarded locally by more than 80 BBBs across the U.S. and Canada and on the international stage by the Council of Better Business Bureaus – the national organization representing the BBB system.

About BBB
BBB, the leader in advancing marketplace trust, is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Businesses that earn BBB accreditation contractually agree and adhere to the organization’s high standards of ethical business behavior. BBB provides objective advice, free business BBB Reliability Reports® and charity BBB Wise Giving Reports®, and educational information on topics affecting marketplace trust. To further promote trust, BBB offers complaint and dispute resolution support for consumers and businesses when there is a difference in viewpoints. The organization is also a recognized leader in developing and administering self-regulation programs for the business community, and, with respect to the advertising industry, does that through a joint venture in conjunction with National Advertising Review Council partners. The first BBB was founded in 1912. Today, 123 BBBs serve communities across the U.S. and Canada, evaluating and monitoring more than four million local and national businesses and charities. Visit www.bbb.org for more information.

Scammers Hawk Phony Health Plans In Wake of New Law

4/21/2010

Posted on 4/21/2010 by

The ink is barely dry on the new federal health insurance law, but scam artists already are using it to peddle phony health policies, the Better Business Bureau (BBB) warns.

U.S. Health and Human Services Secretary Kathleen Sebelius recently notified state attorneys general and insurance commissioners that scammers were knocking on doors to sell phony policies, claiming there is a limited enrollment period and urging consumers to buy quickly. However, it will be four years before expanded coverage is available, and it’s very unlikely that it then would be sold door-to-door.

“These types of scams often crop up when there is news of a big change in government policy, whether it’s health insurance or tax credits,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “It is despicable to prey on the fears of people by threatening them with a fictitious deadline or implying that they may be required to sign up for something.”

The BBB has tips for consumers who are approached by door-to-door salespeople:

High-pressure tactics are often a part of fraudulent door-to-door sales and solicitations. Don’t let yourself be hurried, intimidated or coerced.
If you are interested in buying from a door-to-door seller, get everything in writing, including price, warranty and all conditions. Tell the salesperson you will check over the information and get back to him or her.
Always ask for proper identification before listening to the pitch.
Never let a stranger inside your home.
If you feel threatened, call the police.

Recharge Colorado' program at nearly 19,000 rebates

4/21/2010

Posted on 4/21/2010 by

Media update: The Governor's Energy Office (GEO) 'Recharge Colorado' campaign continues into its third day as consumers continue to reserve rebates for energy upgrades from appliances to insulation to solar power.

As of about 10 a.m. Wednesday, consumers had signed up for nearly 19,000 rebates through the rechargecolorado.com site and call center. It is not too late for people to reserve rebates for a wide range of energy efficient appliances, including: refrigerators, dishwashers, furnaces, hot water heaters and boilers.

In addition, many rebates will remain available for home efficiency measures, including insulation, whole-house energy monitors, duct sealing and energy audits.

Even as rebates for some appliances - such as clothes washers and tankless water heaters - become fully reserved, those who are still interested can sign up for the wait list, as it is likely some rebates will be left unclaimed. Consumers can also reserve any of several other rebates still available at www.rechargecolorado.com. As a supplement to the web site, a call center is also available at 1-800-462-0184.

Update: 'Recharge Colorado' program at nearly 15,000 rebates

4/20/2010

Posted on 4/20/2010 by

Media update: The Governor's Energy Office (GEO) 'Recharge Colorado' campaign continues today as consumers continue to reserve rebates for energy upgrades from appliances to insulation to solar power.

As of about 10:30 a.m. Tuesday, consumers had signed up for nearly 15,000 rebates through the rechargecolorado.com site and call center. It is not too late for people to reserve rebates for a wide range of energy efficient appliances, including refrigerators, clothes washers, dishwashers, furnaces, hot water heaters and boilers.

In addition, many rebates will remain available for home efficiency measures, including insulation, whole-house energy monitors, duct sealing and energy audits.

Reservations in one rebate category, for tankless water heaters, has had all funds reserved at this point. However, those who are still interested in a rebate for a tankless water heater can sign up for the wait list, as well as reserve any of several other rebates still available at www.rechargecolorado.com. As a supplement to the web site, a call center is also available at 1-800-462-0184.

'Recharge Colorado' sparks economic boost

4/15/2010

Posted on 4/15/2010 by

Colorado consumers have responded vigorously to the launch of 'Recharge Colorado,' reserving more than 25,000 rebates through more than 75,000 visits to www.rechargecolorado.com and more than 16,000 calls to the call center since the campaign launch April 19. The enormous interest in rebates for energy efficient appliances, solar power and other energy upgrades has created an economic spark for retailers and contractors providing energy-saving services.

"I can definitely tell you there was a surge in sales; we've had quite an increase in the amount of volume we've done," said Michael Burkes, operations manager for the Grand Junction Sears store, where shoppers flocked to purchase ENERGY STAR refrigerators, washing machines and dishwashers. "I'd say we were very successful."

Laurent Meillon, director of Capitol Solar Energy serving the Denver region, said the rebate program led to a significant bump in business in a period - late winter and early spring - which is typically quiet for the solar thermal industry. "This program acted as a real stimulus in a time of year which is traditionally slow," Meillon said.

The rebate program led to a dozen bookings for his firm, enough to keep two crews of two workers apiece busy for two to three months. The rebate program, combined with federal tax credits, cut the cost of a solar hot water system in half for many customers, Meillon noted, drawing interest from past prospects who had previously been unable to afford a system.

Rebates were scooped up statewide, with great interest along the highly populated Front Range, but with strong response in rural and mountain counties as well, in areas including Routt, La Plata, Montezuma, Chaffee, Montrose, Teller, Yuma and Delta counties.

"The Recharge Colorado energy rebate program has really been successful in Chaffee County," said Kathryn Wadsworth, community energy coordinator in Chaffee County, where the public reserved 83 rebates in the program's first week. "I am very excited that our local residents are taking advantage of, and will benefit from, the cost savings."

Though several rebate categories are now on wait-list status, many rebates are still available for items and services that can lead to significant energy savings. Rebates remain for high performance hot water heaters, insulation upgrades, furnaces, boilers, home energy audits, duct sealing, energy monitors, residential and commercial solar electricity, commercial solar thermal as well as residential and commercial small wind systems.

The public is also encouraged to visit www.rechargecolorado.com and to learn about its many features beyond rebates. The new website includes an energy action planner to create a plan to save energy in the home, an energy incentive finder, which leads Coloradans to all the local, state, utility and federal rebates and tax credits by zip code as well as listings for service providers nearby. The site also includes numerous tips for saving energy and money, as well as news items and success stories tied to the New Energy Economy.

The Recharge Colorado campaign has teamed with the four Better Business Bureaus (BBB) serving Colorado to help Coloradans connect with vendors offering energy services. Residents and business owners can use the rechargecolorado.com site to select efficiency and renewable energy measures that help them save money, then use the list provided by the BBB to select contractors who provide the needed services, creating a seamless process for consumers.

Odd Rash of Advance-Fee Loan Scams Seen By BBB

4/14/2010

Posted on 4/14/2010 by

Many ‘advance-fee’ loan scams have come to the attention of the BBB Serving Denver/Boulder recently. In recent months, several different entities have been investigated by the BBB office due to alarming calls and complaints that consumers are getting ripped off.

According to BBB investigations, consumers find Web sites online that appear to be for “loan companies” but these Web sites are actually run by scammers. They use fraudulent Colorado addresses and 800 numbers, (many of which are tracing back to Canada). These scammers disguise under the following business names: Brickell Bay Lending, District Lending Solutions, Jenkins Consolidation Group, Pearson & Cole Financial, Save On Business Solutions, Amprex Lending Group, Avistar Investment Group, Winoker Investment Group and the latest one to surface; Bayview Credit Institution Inc.

After one applies for a loan, which usually requires them to reveal private and financial information, they are contacted and told they need to send a large fee, up front, before the loan can be deposited into their bank account.

The scammers tell the consumers that the advance fee is for collateral or insurance due to bad credit or other reasons. Once the consumer sends this money, (usually via wire transfer), they never get their loan and can’t get a hold of the “company”.

Your BBB offers the following advice for those trying to get a loan:

• The economy is tough right now and loans are hard to come by, so watch out for claims that are too good to be true, (“extremely low rates”; “loans available within 24 hours”; “everyone’s approved”, etc.).
• If you are asked to send hundreds of dollars for an advance fee, use caution and check out the company with the BBB first. These are often scams especially if you are asked to send the money via wire transfer.
• Talk to your bank and see what loans and/or lines of credit may be available to you.
• Always check out offers with the BBB first, (visit www.denver.bbb.org or call 303.758.2100). Your BBB may be able to steer you clear of scams and help you find BBB Accredited Businesses that offer loan services.

When Sports Get Exciting, Ticket Scams Begin to Surface

4/12/2010

Posted on 4/12/2010 by

Rockies’ opening day is today, not to mention the Nuggets’ playoff season is right around the corner. Historically the Better Business Bureau has seen that when sports fans get excited, scammers are ready to take advantage.

“The most important thing to do is to know and trust who you are buying from,” says Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder.

Most problems lie in transactions with private dealers, mostly on Web sites like Craigslist and eBay. Ticket seekers in the past have been taken by wire transfer scams, non-delivery of tickets and being turned away from games because their tickets turned out to be fakes.

Your BBB offers the following tips to help fans of Denver’s great sports teams avoid being ripped off:

· Do not ever, ever wire funds for payment.

· Do not allow people to mail you tickets, pick them up in person.

· If you can verify the legitimacy of the tickets before the game, that is recommended.

· It’s best only buy directly from the box office or through authorized ticket markets, (stubhub.com)

· Keep in mind that it is illegal for scalpers to sell tickets for prices above face value.

New Federal Rule on Lead-Based Paint Affects Many

4/5/2010

Posted on 4/5/2010 by

A new Federal rule goes into effect April 22, 2010, to limit the risks of lead poisoning that might result from renovations made to older buildings. Your Better Business Bureau warns contractors, renovation companies and DIY landlords that failure to meet new certification and training standards will result in significant fines.

“Hundreds of thousands of businesses including contractors, painters, and even neighborhood handymen will be affected by the new rules on lead-based paint safety and failure to comply is definitely not worth the risk,” said Dale Mingilton, President and CEO of the BBB Serving Denver/Boulder. “Not only could you face fines up to $37,500 per violation if you’re caught ignoring the law, you’ll lose customers and, worst of all, potentially endanger the health of the children who occupy the building.”

The new Renovation, Repair and Painting Rule will go into effect April 22. Firms affected by the rule will be required to:

Apply with the Environmental Protection Agency, (EPA) to be approved as a Certified Renovation Firm and receive the necessary training and certification from an EPA-accredited training provider for Lead Safe Work Practices.
Assign a Certified Renovator to be present at each project and ensure that lead safe work practices are used throughout the project.
Provide consumers or tenants with the EPA pamphlet “Renovate Right” prior to the start of each project and maintain records documenting that the required information has been provided at each project subject to the rule.

Your BBB answers the following frequently asked questions on the new Renovation, Repair and Painting Rule:

Who must become certified?
The rule covers any person or firm that performs renovations for compensation. This includes contractors, home renovation companies, window replacement contractors as well as plumbers, electricians, painters, maintenance workers and landlords who perform repairs and renovations themselves.

What types of buildings does the rule apply to?
The rule applies to any residential property built before 1978. The rule also applies to any public building or commercial building built before 1978 where children under the age of six are present, or could potentially be present, on a regular basis. This includes, but is not limited to child care centers, schools and hospitals.

What type of work does this rule apply to?
The rule applies to any modification made to applicable structures that disturbs six square feet or more of interior painted surface per room as well as exterior work which disturbs over 20 square feet of painted surface.

How do I become certified?
Businesses and individuals seeking to become certified and trained can find more information on the process and a list of accredited trainers at: http://www.epa.gov/lead/pubs/renovation.htm#contractors.

In addition to the requirement that a firm become certified, at least one person at each applicable worksite must be an “Individual Certified Renovator.”

A list of EPA accredited Certified Renovator trainers can be found at: http://www.epa.gov/lead/pubs/trainingproviders.htm.

How long will it take?
EPA estimates that more than 200,000 contractors will apply for the new certification and applications are processed in the order that they are received. EPA has 90 days from the receipt of an application to approve or deny application for a firm’s certification.

Individuals can become certified after completing the 8-hour accredited renovator training course and no formal application to EPA is required.

For more information visit: www.epa.gov/lead or call the National
Lead Information Center at 1-800-424-LEAD, that’s 1-800-424-5323.