You’ve served the nation and maybe you’re thinking about heading back to school to start the next chapter of your career. Colleges are there to help you, right? Hmm, not so fast. Not every school has got your back. Some for-profit schools may care more about boosting their bottom line with your VA education benefits. Some may even stretch the truth to persuade you to enroll, either by pressuring you to sign up for courses that don’t suit your needs or to take out loans that will be a challenge to pay off. In 2010, the Inspector General of the U.S. Department of Education (ED) said that 70% of the agency’s current fraud investigations were focused on for-profit schools.
Do you send money to friends or family overseas? Or to a business? If so, as of right now, you have the power: to shop around, to make informed decisions, to cancel (OK, that power only lasts for 30 minutes, but it’s something), and to know where to complain.
Maybe you’re picking up paper plates for a party, or ready to bag some leaves in your yard. If a package says a product is biodegradable, compostable or recyclable you might opt to make the “greener” choice, right? That’s why it’s important those environmental labels tell the real story.
Phantom debts – sounds a little like a ghostly Halloween prank. Unfortunately, it’s no joke. Some fake debt collectors may try deception and threats to pressure you to pay debts that you don’t owe. The FTC recently obtained a temporary restraining order in a case against debt collectors, Pinnacle Payment Services, Lisa Jeter, her partners and related companies about just these kinds of practices. The court order shuts down the operation, pending trial.
Imagine getting a phone message like this:
This is the Civil Investigations Unit. We are contacting you in regards to a complaint being filed against you, pursuant to claim and affidavit number D00D-2932, where you have been named a respondent in a court action and must appear… Please forward this information to your attorney in that the order to show cause contains a restraining order. You or your attorney will have 24 to 48 hours to oppose this matter… Call 757-555-1234.
Who wouldn’t be spooked? The FTC has gotten almost 3,000 complaints about messages like this.
Every now and then, many of us get the strange feeling someone’s watching us. Given how easy it is these days for companies to gather information about where we are, what we’re doing, and how we’re doing it, this may well be more than a feeling.
There’s a good reason why President Abraham Lincoln was nicknamed “Honest Abe”. He was honest about everything he did. Fast forward a few hundred years: It’s not hard to imagine what Lincoln might have thought about the honesty of American companies touting a “Made in the USA” label on products that aren’t.
Attorney, Division of Consumer & Business Education, FTC
Some people have no scruples. They take advantage of any situation to defraud others and steal their money. You can help stop them. If you or anyone you know is going through the immigration process, be alert to unauthorized immigration service providers.
Imagine this: it’s the hottest day of the year. (Or, since we’re getting into Fall, the coldest.) Someone from your utility company calls to say they’re about to cut off your power. You check the caller ID, and it looks like the right number – at least, it’s in your area code. You know you’ve paid your bill, and you can’t imagine what happened – but you also know you can’t afford to lose power. So what do you do?
Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice (DOJ), and the Federal Trade Commission (FTC). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in “court costs,” “processing fees” or “filing fees” to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM.