Attorney, Division of Consumer and Business Education, FTC
The FTC joins with other federal agencies to celebrate Hispanic heritage from Sept. 15 – Oct. 15 during our nation’s official Hispanic Heritage Month. But the FTC uses enforcement and education every day, all year long, as part of its mission to protect all consumers from unfair and deceptive practices in the marketplace, online and off. We use our enforcement authority to stop scams that target Spanish speakers, whether they involve fraudulent marketing practices, illegal debt collection practices, false advertising claims, or identity theft.
We deliver free information in Spanish on a wide range of consumer issues, in a variety of formats. Our resources in Spanish help Latino consumers recognize government imposters, protect their computers from malware and their personal information from phishing attempts, and avoid income scams.
News reports of large-scale data breaches — like this week’s announcement from Home Depot — have prompted some of our readers to ask about a credit freeze. Also known as a security freeze, this tool lets you limit access to your credit report, which makes it more difficult for identity thieves to open new accounts in your name.
You got a robocall from someone working with the FTC with a message that promised to help you get a refund from the agency. If you ever lost money to a scam, it might have been a tough call to ignore. Turns out ignoring the call would have been the right call because — you guessed it: it was a scam.
Bureau of Consumer Protection, Federal Trade Commission
As the centenarian agency in the consumer protection world, the FTC knows that changes in the marketplace almost always affect trends in fraud – and that fraudsters follow the headlines. And we listen when the US Census Bureau tells us that more Americans are 65 and older now than at any other time in US history. So we anticipate that fraud targeting older citizens will increase in the next few years.
That’s just one reason the FTC launched a fraud education campaign aimed at active older people, a group with life experience and social networks.
Your caller ID says “FTC” or “IRS,” and the phone number has the “202” Washington, DC area code. You might even look the number up and see that it’s a real government phone number.
But the person calling isn’t really from the FTC, IRS, or any other agency. It’s a government imposter whose goal is to convince you to send money before you figure out it’s a scam. The big giveaway? They want you to send money.
What do you get when you mix a fraction of truth and a whole lot of lies? The FTC’s case against scammers who allegedly operated websites that promote a fictitious “Bill Payment Government Assistance Program” — a debt relief program claiming to pay consumers’ bills and repair their credit in exchange for an advance fee.
The calendar says August: time for TV re-runs, back-to-school sales and the beginning of the futbol season. It’s also time to start planning for Hispanic Heritage Month. The FTC has free resources to help people learn their rights and avoid fraud.
If you’re behind on your bills, you’ll probably get calls from debt collectors. Their job is to get you to pay or make arrangements to pay. But any debt collector who harasses or threatens you is breaking the law. The Federal Trade Commission’s cases against Credit Smart and Regional Adjustment Bureau highlight the facts of life every consumer facing debt collection should know.
The FTC is mailing refund checks totaling more than $16 million to 18,571 people who paid American Tax Relief, a company that claimed it could reduce their tax debts. Under the settlement, the defendants turned over millions of dollars in assets, and are banned from telemarketing and selling debt relief services.