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BBB Tips for Successful Mother’s Day Shopping

5/10/2012

Posted on 5/10/2012 by

BBB Tips for Successful Mother’s Day Shopping

It’salmost Mother’s Day! Whether you are ordering flowers, shopping for customjewelry, or arranging for a special spa day appointments for the wonderfulwomen in their life, be a smart consumer. BBB sees lots of scams that focus onholiday shopping, and is warning consumers to proceed with caution beforefalling victim to a Mother’s Day vender scam, especially when shoppingonline.

BBBurges consumers to take extra precaution with placing floral orders, especiallyonline. “Not all online florists are the same,” says Rosemary Nye, spokespersonfor the local Better Business Bureau. “While some people are extremely happywith their online floral purchases, others find themselves disappointed whenthe flowers don’t arrive on time, or don’t arrive at all.” In 2011, more than96,000 consumers searched for trustworthy florists on www.bbb.org. Most major floral delivery services are BBB Accredited Businesses,as are more than 500 local florists across the U.S. and Canada.

Whenfinalizing gifts and shopping online, BBB recommends adhering to the following:

Do your homework. Before ordering flowers, jewelry or any othergifts for Mother’s Day, check out the company’s BBB Business Review at www.bbb.org. This is a great wayto help prevent disappointment with the product or customer service.

Allow time for shipping and delivery. Check with theretailer or website to be certain that you have allowed enough time fordelivery. Make sure that this date is specified clearly and guaranteed when youorder. If you order ahead of time, delivery and other charges will be less thanlast-minute or overnight shipping. Some florists offer discounts for deliveriesa couple of days before a major holiday, since that helps them deal with therush.

Have a back-up plan. Make sure you understand the store's guarantee.Find out how customer complaints are handled and what recourse you will have ifthe arrangement is not satisfactory. It’s best to use a credit card whenordering online, because you can dispute charges if the vendor doesn’t comethrough. Charges made on a debit card are the same as cash and you have norecourse through your bank if there is a problem.

Make sure the business has your information. When it comes to flower delivery, there are timeswhen delivery instructions need to be confirmed or a delivery driver needs additionaldirections. Making sure the florist has a call-back phone number or your cellphone to help them make sure your mom gets what you expect.

Formore tips you can trust, visit www.bbb.org.

New Phishing Scam Hurts Small Businesses

5/3/2012

Posted on 5/3/2012 by

When a small plumbing company in Monroe, Louisiana, got an email yesterday from BBB saying they’d had a complaint filed against them, they took it seriously. After all, the company is a BBB Accredited Business and the owner serves on the board of directors of BBB of Northeast Louisiana. What they got, however, was much worse than a complaint from an unhappy customer. The email was a fake, a phishing scam that downloaded viruses on two of the small business’s computers, which had to be wiped clean in order to get rid of the malware infection. Fortunately for the plumbing company, the virus hadn’t had a chance to steal any banking information.

Unfortunately, small businesses and consumers across the country are falling victim to the latest phishing scam that exploits BBB’s trusted name. The campaign that started yesterday was the second biggest phishing scam in the country on Wednesday, according to the University of Alabama at Birmingham’s Spam Data Mine, one of the nation’s foremost computer forensics labs. SDM is assisting the Council of Better Business Bureaus in tracking phishing scams that use the BBB name.

The phishing emails – the fifth wave since Thanksgiving that uses the BBB’s name – uses BBB’s name and logo in an attempt to look like a notice of a newly filed complaint. The latest round includes a ZIP attachment, but that has not always been the case. Whether by an attachment or a link, the phishing emails attempt to trick the recipient into clicking and opening the “complaint,” which downloads malware onto their computer. The malware is designed to infect the computer and look for information such as bank account numbers and passwords in order to steal money from the recipients’ accounts.

If you receive an email that looks like it is about a BBB complaint:

Do NOT click on any links or attachments.
Read the email carefully for signs that it may be fake (for example, misspellings, grammar, generic greetings such as “Dear member” instead of a name, etc.).
Be wary of any urgent instructions to take specified action such as “Click on the link or your account will be closed.”
Hover your mouse over links without clicking to see if the address is truly from bbb.org.
Delete the email from your computer completely (be sure to empty your “trash can” or “recycling bin,” as well).
Run anti-virus software updates frequently and do a full system scan.
If you are not certain whether the complaint is legitimate, contact your local BBB (www.bbb.org/find).
Forward the email to phishing@council.bbb.org so that our security team can track the perpetrators. If you receive a “bounce” message, there is no need to resubmit.

BBB also recommends that all businesses take steps to secure their data and the information they’ve collected on their customers. BBB’s “Data Security – Made Simpler” is available free-of-charge at www.bbb.org/data-security.

Hawaii's BBB Announces 2012 Torch Award Recipients

5/3/2012

Posted on 5/3/2012 by

2012 BBB TORCHAWARDS HONORS BUSINESSES AND ORGANIZATIONS FOR TRUSTWORTHY PRACTICES
**Jackie Choy and Theresa Kong Kee Recognized for their Local ConsumerAdvocacy Efforts**

HONOLULU (May 3, 2012) – Hawaii’s Better Business Bureau® (BBB) has announced the recipients of the 2012 BBB Torch Awards before a large crowd of business, civic and nonprofit leaders. Alaka’i Mechanical, Hawaii Human Resources (HiHR), Schweitzer Consulting LLC, and the Institute of Human Services (IHS) were named winners by this year’s judges. Jackie Choy and Theresa Kong Kee were also honored for their commitment towards consumer advocacy.

“Businesses who are doing right by their consumers, employees, vendors and, in the case of public charities, donors, need to be honored and celebrated; the BBB Torch Awards allows us to Illuminate the importance of corporate conscience and responsibility in fulfilling an organizations obligation to themarketplace” said Dwight Kealoha, CEO of Hawaii’s BBB. “Trustworthy and ethical business practices are a win-win for everyone. This year’s BBB Torch Awards finalists and recipients demonstrate that upholding the BBB’s ethical standards is a hallmark of successful companies and organizations.”

2012 BBB Torch Award recipients in each category are;

Public Charity – Institute of Human Services (IHS).
The organization was cited for its clear understanding of its mission and integration into the community. The judges were impressed with their implementation of meaningful, systemic solutions to homelessness and that they actively align with others in the community to advocate for improved polices and services that help local individuals and families.

Other finalists included Hospice Hawaii and People Attentive to Children.

Small Business – Schweitzer Consulting, LLC

Schweitzer Consulting was honored for their loyalty and ability to not only help their clients achieve their unique and individual needs but help them face adversity and get through it in a fair, honest and ethical manner. The Judges were impressed by the commitment to their business philosophy and community involvement.

Other finalists in the Small Business category were Hi Employment and Renewable Energy Technologies, LLC.

Medium Business – Hawaii Human Resources (HIHR)

HiHR impressed the judges with their commitment to making other organizations successful. The lengths they go through to be fair and honest with not onlytheir clients, but their staff speaks volumes for their corporate culture.

Kahala Associates, PacRim Marketing Group Inc. and RevoluSun were the other category finalists.

Large Business – Alaka’i Mechanical Corporation
The judges applauded Alaka’i Mechanical’s commitment to instill company values in employees at all levels, which helps foster trust with all they serve. Assessments from their clients and other third parties of its ethical standards and performance speak volumes about their organizations values.

Other finalists in the Large Business category were Farmers Insurance and the NewYork Life Insurance Company.

Jackie Choy and Theresa Kong Kee of the Department of Commerce and Consumer Affairs received the BBB Ka Mea o Kako‘o award. The award honors individuals who have significantly advanced marketplace trust by their demonstrated commitment to consumer advocacy, protection or education.

Both Jackie and Theresa were recognized for their community work and their unwavering commitment to help consumers of all ages throughout the state. Their efforts to create and participate in a wide variety of educational programs and events have helped hundreds of thousands become more informed consumers over the years.

Established in 1945, the Better Business Bureau® of Hawaii (BBB) is a nonprofit organization that sets and upholds high standards for fair and honest marketplace behavior. BBB provides objective advice, free business and charity reports, and educational information on topics affecting marketplace trust. BBB also offers complaint and dispute resolution support for consumers and businesses.

Top Tips to Get Your Finances in Order

4/11/2012

Posted on 4/11/2012 by

The FINRA National Financial Capability Study recently looked at the spending and saving habits of Americans and came up with some startling information:

Most Americans lack emergency savings or “rainy day” funds. Only 49 percent of survey respondents reported that they had set aside funds sufficient to cover expenses for three months in case of sickness, job loss, economic downturn or other emergency.

The majority of Americans have not done any retirement planning. Only 42 percent of the FINRA survey respondents who weren’t retired said they had taken the time to calculate what they would need.

Well below half of Americans have saved money for college. Only 41 percent of those who have financially dependent children have set money aside for college education.

It’s National Financial Literacy Month, so it’s a good time to reassess your savings and spending patterns to build a brighter future for yourself and your family. BBB recommends the following:

Start calculating now. You are never too young to start planning for retirement. While individuals increasingly have to take responsibility for their financial security after retirement, the majority of Americans appear not to have done any retirement planning. Decisions about how much to save in order to afford a comfortable retirement require collecting information about several important variables (including Social Security and retirement plan benefits) and doing some, even rudimentary, calculations.

Budget appropriately when it comes time to pay for a child’s education. It is widely reported that, over the past decade, tuition and fees at four-year public colleges and universities have increased more rapidly than they did during the 1980s or 1990s, rising by an average of nearly 5 percent each year (adjusted for inflation). With this trend unlikely to abate, an average American family with children can expect to dedicate a sizable share of their resources to paying college tuition.

Manage your debt. One of the best ways to ensure a brighter financial future is to manage and eliminate costly debt. BBB offers “Managing Credit – Made Simpler,” an online learning tool for consumers and small business owners.

Avoid “get rich quick” schemes. BBB exposes scams and frauds every day. Sadly, many of these are aimed at investors who have done the right thing so far and saved some money, but make a mistake when it comes to investing. BBB recently partnered with the FINRA Financial Education Foundation to promote smart investing and to help consumers avoid investment scams.

For more information on businesses, charities and investments you can trust, visit www.bbb.org.

BBB Warns Consumers and Businesses About Phishing Scam

4/3/2012

Posted on 4/3/2012 by
Arlington, VA – April 3, 2012 – The Council of Better Business Bureaus (CBBB) issued the following statement today:

“For the past 4+ months, BBB has been the victim of a massive phishing scam that uses our name and logo to fool people into thinking the email is from BBB concerning a complaint against their business. Although they appear to be coming from a BBB computer, they are not.

The emails appear to have been totally random in who they are sent to. They have gone to businesses, but they have also gone to individuals who have never owned a business, as well as to educational, nonprofit and government addresses. There is no indication that BBB Accredited Businesses are being targeted.

The emails appear to be part of a criminal campaign that has spoofed other trusted identities, including Bank of America, Intuit (maker of Turbo-Tax) and the Internal Revenue Service. The FBI has made this a priority and CBBB is working closely with their cyber crime division and other law enforcement agencies to shut down the scammers.

The spammers’ goal is to get as many email recipients as possible to click on the link within the email which redirects to a website infected with malware. If you clicked on the link within these emails, your computer is likely to be infected. The criminals then use that malware to transfer money out of bank accounts or obtain additional email addresses.

BBB is directing many resources to combat this attack. We have hired security specialists to track the fraudulent emails and shut down the websites hosting the malware. We have been working with forensic criminal experts to make sure no malware has infiltrated BBB’s computers or those of our vendors.

In the past week, many recipients have gotten multiple copies – sometimes dozens or even hundreds – of the same email. This may be due to some unsophisticated “copycat” spammers who don’t even know or care that they are sending multiples of the same email.

The two things people can do right now to prevent being victimized by this scam or other phishing scams:

Install good anti-virus software on your computer(s) and get regular updates of virus definitions several times a day.
Never click on links in emails that have come to you unsolicited.

If you have clicked on a link in one of these emails, run a complete system scan of your computer or network, and make sure your anti-virus software includes elimination of the Zeus or Z-bot virus.”

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ABOUT BBB: For 100 years, Better Business Bureau has been helping consumers find businesses, brands and charities they can trust. In 2011, consumers turned to BBB more than 100 million times for Business Reviews on more than 4 million companies and Charity Reviews on 11,000 charities, all available for free at www.bbb.org. The Council of Better Business Bureaus is the umbrella organization for 116 local, independent BBBs across the United States and Canada, as well as home to its national programs on dispute resolution and industry self-regulation.

Hawaii's Better Business Bureau Announces 2012 Torch Awards Finalists!

3/30/2012

Posted on 3/30/2012 by

HAWAII’S BETTER BUSINESS BUREAU ANNOUNCES 2012 BBB TORCH AWARDS FINALISTS

HONOLULU(March 30, 2012) – Hawaii’s BBB, the leader in advancing marketplace trust, has announced the finalists of its 2012 BBB Torch Awards program. Finalists were selected in the Small Business, Medium-size Business, Large Business and Public Charity categories.

A panel of judges comprised of past recipients evaluated the applicants for evidence of ethical standards of behavior, a steadfast reputation over time, policies to ensure ethics and truth were demonstrated in their sales advertising and how management practices promote integrity in the workplace.

TorchAward recipients will reveal exceedingly high standards of behavior toward customers, employees and share holders; adhere to truthful advertising and sales practices; and, have a reputation for noteworthy contributions in their industry and community.

The 2012 BBB Torch Awards finalists are:

Small Business Category: HiEmployment, Schweitzer Consulting and Renewable Energy Technologies.
Medium-Sized Business Category:Hawaii Human Resources, Inc.(HIHR), Kahala Associates, PacRim Marketing , and RevoluSun
Large Business Category:Alaka'i Mechanical Corporation, Farmers Insurance and New York Life Insurance Company
Public Charity Category:Hospice Hawaii, Institute of Human Services and People Attentive to Children.

Winners will be announced at the 2012 BBB Torch Awards Luncheon on Wednesday,May, 2^nd at the Sheraton Waikiki.

Individual tickets are $100 for BBB Accredited Businesses and nonprofit organizations, and $130 for all others. Corporate table sponsorships are also available. To purchase tickets or for more information about the BBB Torch Awards, call Hawaii’s BBB at 628-3901, from the Neighbor Islands call toll free at 1-877-222-6551, or visit www.hawaii.bbb.org

BBB Social Media Seminar

3/16/2012

Posted on 3/16/2012 by

If you still think social media is just a fad you have not had enough coffee this morning!

640 million Facebook users

95 million tweets per day

5 billion Flickr Images

4 billion YouTube videos viewed daily

Join us and learn about personal and business branding, online marketing and general practices.

The Do's and Don'ts and case studies to back it up!

Join us on May 2, 2012

Sheraton Waikiki

8:00 a.m. - 11:30a.m.

Speakers

Douglas Wood of Reed Smith

Emi Hart, Community Director of Yelp

Olena Heu of KHON2

Elmer Guzman, Owner of Poke Stop

Seminar Only

BBB Accredited - $35

All others - $45

Call 808.628.3901 to purchase your seat

Email us if you have any questions.

Kony 2012 Video Sends Mixed Message to Young Activists

3/13/2012

Posted on 3/13/2012 by

Arlington, VA – The BBB Wise Giving Alliance has tried for six years to get Invisible Children to cooperate in a charity review. Since 2006, BBB has sent 18 letters (12 via Certified Mail) to the non-profit behind the Internet phenomenon Kony 2012 video, but has received no response.

The BBB Wise Giving Alliance initiates charity reviews based on donor requests. Unlike other charity review organizations, it does not rely solely on public documents but requires charities to provide more in-depth information in order to evaluate its governance, effectiveness, finances, fund raising, donor privacy and other matters.

The BBB Standards for Charity Accountability, which were developed with extensive input from the charitable community and donors, are used by the Alliance in preparing evaluative reports on over 1,300 nationally soliciting charities, and by local BBBs for more than 10,000 local charities. There is no charge to the charity for the accountability assessment and the resulting reports are available to the public free on the www.bbb.org/charity website.

Invisible Children’s Kony 2012 video features criticisms of Joseph Kony, who heads an army of child soldiers in central Africa and has been accused of various atrocities against villagers in that region.

“I don’t understand their reluctance to provide basic information,” says H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “The whole point of the effort is to shine the light of truth on a terrible atrocity, and yet they seem to be reluctant to turn that light on themselves. It’s really unfortunate, because their campaign has the potential to inspire and galvanize millions of young activists and future philanthropists.”

“We don’t assume that nondisclosure is proof of bad faith,” continued Taylor, “but the vast majority of national charities we contact (70%) demonstrate their commitment to transparency by providing the Alliance with requested information so that we can produce reports for public inquirers.” The 20 BBB Standards for Charity Accountability offer the most rigorous evaluation of nonprofit organizations available.

The website of Invisible Children includes a statement about its lack of cooperation with BBB requests for information noting that “Participation in BBB’s program is voluntary - we [Invisible Children] are choosing to wait until we have expanded our Board of Directors, as some questions hinge on the size of our board….”

Despite Invisible Children’s statement on its website, the six-member board size would not be a problem with the BBB charity standards, says Taylor. He did express concern, however, that two of the six board members are paid staff. One of the BBB charity standards calls for no more than 10% of the voting membership of the board to be compensated.

“For any charity, too many paid staff members serving on the governing board can result in a variety of potential problems,” Taylor explains, “including, but not limited to, a lack of objective board decisions being made about the charity’s budget, staff oversight, the selection of charity programs and how best to raise funds.”

“There may or may not be other potential areas of concern with the 20 BBB charity standards,” he added, “but without the requested information from Invisible Children we are unable to determine this. We welcome Invisible Children to provide information at any time so that we can amend our nondisclosure report and conduct a full review in relation to our standards.”

HELPFUL LINKS:

ABOUT BBB:

For 100 years, Better Business Bureau has been helping consumers find businesses, brands and charities they can trust. BBB has Business Reviews on more than 4 million companies and Charity Reviews on 11,000 charities, all available for free. The Council of Better Business Bureaus is the umbrella organization for 116 local, independent BBBs across the United States and Canada, as well as home to its national programs on dispute resolution and industry self-regulation.

The BBB Wise Giving Alliance, a 501(c)(3) organization affiliated with the Council of Better Business Bureaus, helps donors make informed giving decisions and advances high standards of conduct among charitable organizations. The Alliance produces in-depth evaluative reports on national charities based on comprehensive Standards for Charity Accountability that address charity governance, finances, effectiveness, and fund raising. In addition, about one-half of the BBBs in the United States report on regionally soliciting charities.

Complaints Down, But Huge Jump in Inquiries Means Shoppers Are Doing Their Homework

3/1/2012

Posted on 3/1/2012 by

Arlington, VA – Consumer savvy, smart shopping and common sense all had a great year, according to Better Business Bureau. Consumers asked BBB for help more than 103 million times in 2011, up from 87 million in 2010 and the highest rate in the organization’s 100-year history. Conversely, filings of formal complaints against businesses were down across the U.S. and Canada; 927,000 in 2011 compared to just over one million in 2010.

“That is terrific news, that’s what we want to see,” said Carrie A. Hurt, CEO of the Council of Better Business Bureaus (CBBB), the umbrella organization for the 116 BBBs across North America. “When consumers come to us first for information about businesses, they are much less likely to need our dispute resolution services later.”

BBB maintains Business Reviews on more than 4 million businesses and grades them based on complaint histories, responsiveness to customers, licensing, legal and government action, and other factors. 400,000 are Accredited Businesses that meet the BBB Code of Business Practices and are permitted to display the BBB logo in their advertising and place of business.

Industry	2011 Total Inquiries	Rank by number of Inquiries¹	Percentage Change over 2010
Roofing Contractors	3,343,214	1	38.8%
Contractors – General	2,232,022	2	71.4%
Auto Dealers – Used Cars	1,606,226	3	40.6%
Auto Repair & Service	1,581,440	4	63.8%
Plumbers	1,524,559	5	49.9%
Auto Dealers – New Cars	1,517,950	6	26%
Mortgage Brokers	1,471,565	7	14.5%
Construction & Remodeling Services	1,293,423	8	36.4%
Heating & Air Conditioning	1,227,787	9	19.4%
Movers	1,205,158	10	3.3%

^{1 Inquiry rank is out of 4,790 industry categories}

These numbers were not surprising. “These are mostly big-ticket items,” noted Hurt. “People tend to do more research when they are spending a lot of money, such as on homes and cars. We get most of our inquiries on our website, www.bbb.org, which gets more than six million visitors a month.”

Complaints are formal procedures that consumers file against a particular business when they have a problem they cannot resolve on their own. Every complaint is examined by an investigator at the local BBB where the business is located, and the company is given 30 days to respond. About 95% of complaints to BBBs are resolved at this level; the rest go to mediation or arbitration. BBB has trained mediators and arbitrators in every state and province in North America.

Industry	2011 Total Complaints	Rank by number of Complaints¹	Percentage Change over 2010	Percentage of Resolved Complaints ²
Cellular Telephone Service & Equipment	38,420	1	40.8%	96.1%
Auto Dealers – New Cars	25,983	2	5.2%	87.8%
Television – Cable, CATV & Satellite	25,518	3	-17.6%	97.8%
Collection Agencies	18,090	4	13.9%	83.1%
Auto Dealers – Used Cars	16,264	5	12%	72.9%
Banks	15,989	6	-29.4%	97.5%
Telephone Companies	15,691	7	65.2%	96.3%
Furniture – Retail	14,521	8	11.5%	75.3%
Auto Repair & Service	14,490	9	10%	66.7%
Internet Shopping	12,877	10	-.6%	71.9%

^{1 Complaint rank is out of 4,790 industry categories
2 Average resolution rate across all industries for 2011 was 76.3 percent}

Again, not too surprising, as these are goods and services almost all of us use,” said Hurt. “So even though the volume of complaints is high, the actual rate of complaints is relatively low. And companies in these industries also tend to resolve complaints at a higher rate, as well.”

Some industries saw big improvements over the past year. Complaints about health and medical products fell 61%, vitamins and food supplements fell 49%, satellite equipment and supplies fell 46%, vacation certificates and vouchers fell 45%, complaints about small business loans were down 38%, extended warranty contract service companies down 38%, buying clubs down 35%, loans were down 35%, complaints about mortgage brokers fell 31%, and banks fell 30%.*

There were quite a few industries with big increases in complaints, but one industry stood out more than any other: payday loan companies had 159% more complaints than in 2010. Other industries with an increase in complaints: book publishers rose 72%; cellular telephone equipment/supplies up 64%, and telephone companies up 64%; electronic equipment repair and service rose 54%; florists complaints rose 52%; travel clubs were up 48%; general merchandise retail increased 46%; insurance services rose 43%; and skin care rose 41%.*
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* The most improved/declined industries were those with the highest percentage changes in complaints from 2010 to 2011 for those industries with at least 1,000 complaints in 2011. All of those noted are in the top 200 industry categories that BBB tracks.

For the complete complaint and inquiry statistics for US and Canada, please visit our complaint page.

ABOUT BBB: For 100 years, Better Business Bureau has been helping consumers find businesses, brands and charities they can trust. BBB has Business Reviews on more than 4 million companies and Charity Reviews on 11,000 charities, all available for free. The Council of Better Business Bureaus is the umbrella organization for 116 local, independent BBBs across the United States and Canada, as well as home to its national programs on dispute resolution and industry self-regulation.

BBB Mobile Giving Foundation is Partnership of Two Leaders

2/24/2012

Posted on 2/24/2012 by

February 21, 2012 (Arlington, VA) – Mobile giving is quickly becoming a critical tool for charities to raise much-needed funds, especially when disaster strikes. In order to give donors the most trustworthy and safe option for quick “text to give” donations, the Mobile Giving Foundation has joined forces with the BBB Wise Giving Alliance to create the BBB Mobile Giving Foundation, a co-branded effort to grow the mobile giving channel, strengthen mobile giving industry standards and accountability, assure donor confidence, and reinforce nonprofit acceptance of the mobile giving medium.

“For 100 years, the Better Business Bureau has led the way for businesses to create and maintain the most trustworthy relationships with the public,” said Carrie A. Hurt, CEO of the Council of Better Business Bureaus. “This partnership extends that mission to one of the most exciting and forward-thinking advances in technology, which is providing a critical new means for donors to safely and securely support the important work of charities.”

“The BBB Wise Giving Alliance has the highest accountability standards of any charity review organization,” notes MGF founder Jim Manis. “We chose to partner with them in order to assure donors that their mobile giving donations were going to highly accountable charities that have been thoroughly evaluated against those rigorous standards.”

“The Mobile Giving Foundation pioneered the concept of mobile giving,” said Art Taylor, President of the BBB Wise Giving Alliance, “and has consistently been the industry leader in both technology and in understanding the vital importance of donor security and privacy. This partnership will strengthen both organizations, which is a win for donors and a win for charities.”

Mobile giving has also proven to be an entryway to philanthropy for younger consumers, with many making their first charitable donation via their cell phone following one of the recent disasters. The partnership will help engage budding young philanthropists while offering charities a safe and reliable platform to assist in their fundraising efforts.

Most cellular carriers participate in MGF and welcomed the news. “We’re pleased to see the creation of this alliance,” said Marquett Smith, vice president of corporate communications for Verizon Wireless. “It provides consumers additional information as they make giving decisions.” Verizon Wireless was one of the original companies to join with MGF in providing mobile giving options to consumers. Other companies currently offering the service are AT&T Mobility, Sprint, T-Mobile USA, US Cellular, Cricket Communications, Cincinnati Bell and C Spire. All make the service available at no charge to donors or charities.

The partnership is good news to the charity community, as well. "With dynamic enhancements in technology providing more and easier charitable giving options than ever before, donors need to know they can give with confidence," says John R. Seffrin, PhD, chief executive officer of the American Cancer Society, the nation's largest voluntary health charity. "As a charity that utilizes the Mobile Giving Foundation and meets the BBB Wise Giving Alliance standards, we applaud this step forward. It only makes sense that both organizations should collaborate to create a more trusted and safe mobile giving environment."

The partnership takes effect immediately. Over the next 18-24 months, the Alliance staff will work closely with MGF to evaluate its clients and to help those that are not yet in compliance with the Alliance’s twenty standards. National charities will be evaluated by the Alliance and local charities will be evaluated by one of the 106 local BBBs across the United States.

New charities will also be able to participate in the BBB Mobile Giving Alliance by following the acceptance procedures for both organizations. In addition, charities currently meeting all Alliance standards will be eligible for the MGF platform immediately.

For more information or to schedule an interview with one of the principals, please contact Katherine Hutt, Council of Better Business Bureaus, at 703-247-9345 or khutt@council.bbb.org or Daniel Rhodes/Valerie Christopherson at Global Results Communications (for MGF) at 949-306-6313 or mgfpr@globalresultspr.com.

BBB Welcomes White House Recognition of Self-Regulation in Protecting Consumer Online Privacy

2/24/2012

Posted on 2/24/2012 by

Arlington, VA – At today’s White House meeting to launch its new Privacy Initiative, the Obama Administration recognized the importance of accountable industry self-regulation in providing consumers with essential privacy protections. The Council of Better Business Bureaus’ (CBBB) Online Interest-Based Advertising Accountability Program has been at the center of industry self-regulatory efforts to enforce provision of transparency and consumer choice.

C. Lee Peeler, President and CEO of the National Advertising Review Council and CBBB Executive Vice President, and Genie Barton, CBBB Vice President and Director of the Accountability Program, joined other privacy leaders at today’s invitation-only White House event. Barton welcomed the Administration’s recognition of the importance of accountability programs in the self-regulatory process. “The objective oversight provided by the BBB Accountability Program is critical to success. This partnership between the online advertising industry and BBB, working closely with the Federal Trade Commission, is a great example of how industry self-regulation can and should work.”

In his remarks at the White House event, FTC Chairman Jon Leibowitz commended BBB and the industry leaders who created the Accountability Program. “Today we are proud to report that a powerful group of leaders has come together to respond to our call…the online advertising industry has been working to develop an icon that consumers could click to opt out of receiving targeted ads. Today, although it is still a work in progress, the ad industry has obtained buy-in from companies that deliver 90 percent of online behavioral advertisements; and, with the Better Business Bureau, it has established a mechanism with teeth to address non-compliance, backed up with FTC enforcement.”

The BBB Accountability Program enforces industry consensus principles that provide consumers with greater transparency and control over the use of their browsing history across websites for targeted advertising and other purposes. Any business or organization that collects data on a non-affiliated website (such as ad networks, data aggregators, website publishers and advertisers) is subject to the Accountability Program’s oversight.

To ensure compliance, the Accountability Program monitors industry’s online practices and launches inquiries when it appears that a company may not be complying with the industry consensus standards, then works to bring the company into compliance. It publishes all its decisions to ensure transparency and accountability. In cases of non-compliance or non-participation, the program refers the company to the FTC.

The BBB Accountability Program has been invited to participate in the multi-stakeholder working group, convened by the Department of Commerce to implement the White House “Privacy Bill of Rights.” The first call will take place today.

More information on the Accountability Program is available at:
www.bbb.org/us/interest-based-advertising/ and www.aboutads.info.

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New Scam Uses BBB.org Email Address

2/17/2012

Posted on 2/17/2012 by
Consumers nationwide are reporting a new round of phishing email scams using the BBB name and email address, this time targeted at accountants.

This latest scam uses a BBB.org email address in conjunction with the American Institute of CPAs logo and name. The message informs recipients that their CPA license is being terminated due to tax fraud allegations and encourages them to click on a link and reply to the charges. The link leads to a third party website that downloads a virus on to the recipient’s computer.

This email scam primarily targets accountants, but BBB has gotten reports of other professionals receiving the emails. The image below is a sample email.

Steps to take:

Do not reply or click on the link in the email
Forward fake BBB emails to phishing@council.bbb.org
Delete the email

This is the latest iteration in a recent outbreak of scams using the BBB name. For more information about other versions of the scam, please see the following articles:

Don’t Let an “Authorization Hold” Hold You Hostage

2/3/2012

Posted on 2/3/2012 by
Arlington, VA – Credit is a convenience; it allows you to charge a meal on your credit card, pay for an appliance with an installment plan, or take out a loan to buy a house. With credit you can make a purchase when you lack ready cash, and you can enjoy the purchase while you are paying for it.

However, when dining out at a fancy restaurant or spending the night away in a hotel, it’s important to take notice of what the banking industry calls an “authorization hold.”

The issue was first identified by BBB of Southern Arizona when a customer complained that a restaurant had put through a charge equal to his bill plus 20%, even though he had left the server’s tip in cash. Upon investigation, Dispute Resolution Specialist Micaela Clubb discovered that it’s a common practice.

How Authorization Holds Work

Here’s how it works: Let’s say your restaurant bill comes to $100 and you give the server your credit card. When they run it through, they put an authorization hold on your account for $120, assuming you’re going to add a nice tip to the bill. But you leave the tip in cash on the table instead. Still, your bank or credit card company “holds” that $120 for a couple of days until the actual amount of your charge is processed…and that means you don’t have access to that $20. If you are close to your credit limit, it could mean a purchase is declined. If you used a debit card, it could mean a bounced check and overdrafts fees.

Now imagine it’s a hotel stay. You’ve checked in and given a credit card at the front desk. They put an authorization hold on your card for what they think your total bill will be (room charge, taxes, incidentals). If you are staying for several nights, this could amount to a lot of money that you no longer have access to; and when you are traveling, that can be a huge problem.

What You Can Do

Credit card processors discourage vendors from doing these kinds of holds, but they are perfectly legitimate as long as the vendor notifies customers of the practice. BBB advises consumers to keep tabs on their credit and bank accounts online, especially when traveling, and read the fine print on hotel agreements. When dining, pay for your check and tip together with either credit or cash, but not both. And whenever possible, keep a “cushion” of available funds on credit cards by paying off the balance regularly.

For more consumer information you can trust, visit www.bbb.org/news.

Protecting Data – Does Your Business Know What to Do?

2/3/2012

Posted on 2/3/2012 by

In times of escalating privacy and data breaches, customers expect every business — large or small — that collects their sensitive personal information will protect it. Better Business Bureau advises business owners to proactively address customer anxiety and takes steps to both prevent and prepare for a security breach. BBB has endorsed the Online Trust Alliance’s Data Protection and Breach Readiness Guide, recently updated for 2012

Last year, more than 125 million people were affected by data loss incidents. Increased awareness of these high visibility incidents, as well as aggressive data collection and sharing practices, have eroded consumers’ trust and online confidence, according to OTA.

“The Internet has become the land of opportunity for scams and, unfortunately, we see thousands of them every year,” notes Genie Barton, Vice President of the Council of Better Business Bureaus and director of its Online Behavioral Advertising Program. “Consumers need assurances that they can trust the companies they do business with to secure their data, and the OTA Data Protection and Breach Readiness Guide is a great tool to help businesses protect themselves and their customers.”

In the wake of a security breach, it’s important to take action quickly. Small and large businesses alike need to be able to readily determine the nature and scope of the data incident, and take all appropriate steps to contain and stop the attack.

BBB recommends the 2012 guide and encourages all businesses to use its suggestions to help build a safer Internet for all.

The 2012 Data Protection and Breach Readiness Guide reflects input from a wide range of stakeholders, including interviews with companies that have experienced breach and data loss incidents, and industry and breach analysis experts.

For more data security advice you can trust, visit www.bbb.org/data-security, and for a complete OTA guide, visit https://otalliance.org/breach.html.

Scammers Pick Up the Phone in New Twist on BBB Phishing Scam

1/26/2012

Posted on 1/26/2012 by

Better Business Bureau is warning consumers about a new twist in the ongoing BBB phishing scam. Consumers now are reporting receiving phone calls – in addition to emails – from scammers claiming to be from BBB.

In the scam, 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. Consumers reported scammers calling from 858-102-3252.

BBB is cautioning consumers 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 scam, emails urge the recipient to update their information with 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. See the screenshot below for an example. If the email is a scam, the website shown will not be a BBB.org URL.

Look Out for Super Bowl Scams

1/26/2012

Posted on 1/26/2012 by

Arlington, VA – With the Super Bowl just around the corner, Better Business Bureau is warning consumers to be on the alert for knock-off team jerseys, counterfeit memorabilia and phony game tickets.

“There are three good reasons not to buy counterfeit goods: theft, quality and security,” notes Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “Counterfeit items are stolen goods. If you love your team, don’t buy a hat or jersey from someone who has stolen the team’s name and logo for their own profit. And counterfeit items are almost always more cheaply made, which means they won’t last as long as the real thing.”

But you may have an even bigger problem if you try to buy counterfeit memorabilia online. Several BBBs around the country have reported websites that don’t even have any merchandise to sell you…they just want your credit card number and personal information in order to steal your identity or drain your bank account. The best way to ensure you are getting official sports gear is to buy directly from the team or league websites, or from official vendors at the stadium.

Beware of Ticket Scams

Tickets for the big game can be an even bigger rip-off. There are thousands of Super Bowl tickets currently listed on Craig’s List, but the site offers no guarantees of any kind and does not require identification of its listers. Buying in person isn’t always an improvement, as it’s gotten easier and easier for scammers to make fake tickets that look real.

So where can you turn? Sites such as Stub Hub (www.stubhub.com) guarantee your tickets’ authenticity. There were 2,800 tickets available as of yesterday, starting at $2,450 a piece. Ticketmaster (www.ticketexchangebyticketmaster.com) handles ticket exchanges for the NFL, and had over 800 tickets available as of yesterday, starting at $2,864.

In general, avoid scams by being skeptical of:

Offers that sound “too good to be true”
Pushy sales tactics
Poor quality of merchandise
Offers that require wire transfer of funds

And always check out a business first at www.bbb.org/search.

For more consumer tips you can trust, visit www.bbb.org/news. To sign up to receive our Scam Alerts, visit BBB Scam Source at www.bbb.org/scam.

Hawaii's BBB Issues “CALL FOR NOMINATIONS” For 2012 Torch Awards

1/10/2012

Posted on 1/10/2012 by

HONOLULU (January 10, 2012) – Hawaii’s Better Business Bureau (BBB) is now accepting nominations for the 2012 Torch Awards. Awards will be presented in four categories: Small, Medium and Large businesses, and Public Charity. Nomination forms are available at hawaii.bbb.org and the nomination deadline is Thursday, March 1, 2012, at 4 p.m.

“The BBB Torch Awards aims to promote trust in the marketplace by recognizing local businesses, charities, and individuals for their outstanding commitment to fair, honest, and ethical marketplace practices,” says Dwight Kealoha, chief executive officer of Hawaii’s BBB.

The BBB Torch Awards will be presented to one small business (less than 20 employees), one medium-sized business (less than 75 employees), one large business (more than 75 employees), and one public charity. The award recognizes their superior commitment to exceptional standards that benefit their consumers, employees, suppliers, shareholders and communities, and advances trust in the marketplace.

BBB will also present the Ka Mea O Kako‘o Award to an individual or group who has considerably advanced marketplace trust through consumer advocacy, protection or education, a specific action or lifetime achievement.

The BBB Torch Awards are open to all Hawaii businesses, 501(c)(3) public charities, and individuals. BBB accreditation is not required to be nominated; however nominees must be in good standing with Hawaii’s BBB and must certify operations in Hawaii.

A panel of past BBB Torch Award recipients will review entries. Finalists will be announced in late March and winners will be revealed at the BBB Torch Award Luncheon on Wednesday, May 2, 2012. Additional details about the luncheon will be forthcoming.

For more information about the BBB Torch Awards, visit Hawaii.bbb.org or call 536-6956; Neighbor Islands call toll-free at 1-877-222-6551.

Established in 1945, the Better Business Bureau of Hawaii^® (BBB) is a nonprofit organization that sets and upholds high standards for fair and honest marketplace behavior. BBB provides objective advice, free business and charity reports, and educational information on topics affecting marketplace trust. BBB also offers complaint and dispute resolution support for consumers and businesses.

BBB Names Top Ten Scams of 2011

1/3/2012

Posted on 1/3/2012 by

Better Business Bureau investigates thousands of scams every year, from the latest gimmicks to schemes as old as the hills. Our new Scam Source (www.bbb.org/scam) is a comprehensive resource on scam investigations from BBBs around the country, with tips from BBB, law enforcement and others. You can sign up to receive our Scam Alerts by email, and you can also be a scam detective yourself by reporting scams you’ve discovered.

We’ve divided scams up into nine major categories and picked the top scam in each, plus our Scam of the Year.

Top Job Scam

BBB sees lots of secret shopper schemes, work-from-home scams, and other phony job offers, but the worst job-related scam can dash your hopes and steal your identity. Emails, websites and online applications all look very professional, and the candidate is even interviewed for the job (usually over the phone) and then receives an offer. In order to start the job, however, the candidate has to fill out a “credit report” or provide bank information for direct deposit of their “paychecks.” The online forms are nothing more than a way to capture sensitive personal data – Social Security number, bank accounts, etc. – that can easily be used for identity theft. And, of course, there is no job, either.

Top Sweepstakes and Lottery Scam

Sweepstakes and lottery scams come in all shapes and sizes, but the bottom line is almost always this: You’ve won a whole lot of money, and in order to claim it you have to send us a smaller amount of money. Oh, and keep this confidential until we’re ready to announce your big winnings. This year’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. These kinds of scams often use celebrities or other famous names to make their offer seem more genuine. If you aren’t sure, don’t click on the link but instead go directly to the homepage of the company mentioned. If they are really giving away $1 million, there will be some kind of announcement on their website. But don’t waste too much time looking.

Top Social Media/Online Dating Scam

On the Internet, it’s easy to pretend to be someone you are not. Are you really friends with all of your “Friends” on Facebook? Do you have a lot of personal information on a dating site? With so much information about us online, a scammer can sound like they know you. There are tons of ways to use social media for scams, but one this year really stands out because it appeals to our natural curiosity…and it sounds like it’s coming from a friend. Viral videos claiming to show everything from grisly footage of Osama bin Laden’s death to the latest celebrity hijinks have shown up on social media sites, often looking as if they have been shared by a friend. When you click on the link, you are prompted to “upgrade your Flash player,” but the file you end up downloading contains a worm that logs into your social media account, sends similar messages to your friends, and searches for your personal data. The next time you see a sensational headline for the latest viral video, resist the urge to peek.

Top Home Improvement Scam

Always near the top of BBB complaint data are home improvement contractors who often leave your home worse than they found it. They usually knock on your door with a story or a deal – the roofer who can spot some missing shingles on your roof, the paver with some leftover asphalt who can give you a great deal on driveway resealing. Itinerant contractors move around, keeping a step ahead of the law…and angry consumers. The worst are those who move in after a natural disaster, taking advantage of desperate homeowners who need immediate help and may not be as suspicious as they would be under normal circumstances. A large percentage of BBB’s Accredited Businesses are home contractors who want to make sure you know they are legitimate, trustworthy and dependable. Find one at www.bbb.org/search.

Top Check Cashing Scam

Two legitimate companies – Craig’s List and Western Union – are used for an inordinate amount of scamming these days, and especially check cashing scams. Here’s how it works: Someone contacts you via a Craig’s List posting, maybe for a legitimate reason like buying your old couch or perhaps through a scam like hiring you as a secret shopper. Either way, they send you a check for more than the amount they owe you, and they ask you to deposit it into your bank account and then send them the difference via Western Union. A deposited check takes a couple of days to clear, whereas wired money is gone instantly. When the original check bounces, you are out whatever money you wired…and you’re still stuck with the old couch.

Top Phishing Scam

“Phishing” is when you receive a suspicious phone call asking for personal information or an email that puts a virus on your computer to hunt for your data. It’s almost impossible to avoid them if you have a telephone or an email account. But the most pernicious phishing scam this year disguised itself as official communication from NACHA – the National Automated Clearing House Association – which facilitates the secure transfer of billions of electronic transactions every year. The email claims one of your transactions did not go through, and it hopes you react quickly and click on the link before thinking it through. It may take you to a fake banking site to “verify” your account information, or it may download malware to infiltrate your computer.

Top Identity Theft Scam

There are a million ways to steal someone’s identity. This one has gotten so prevalent that many hotels are posting warnings in their lobby. Here’s how it works: You get a call in your hotel room in the middle of the night. It’s the front desk clerk, very apologetic, saying their computer has crashed and they need to get your credit card number again, or they must have gotten the number wrong because the transaction won’t go through, and could you please read the number back so they can fix the problem? Scammers are counting on you being too sleepy to catch on that the call isn’t from the hotel at all, but from someone outside who knows the direct-dial numbers for the guest rooms. By the time morning rolls around and you are clear-headed, your credit card has been on a major shopping spree.

Top Financial Scam

In challenging economic times, many people are looking for help getting out of debt or hanging on to their home, and almost as many scammers appear to take advantage of desperate situations. Because the federal government announced or expanded several mortgage relief programs this year, all kinds of sound-alike websites have popped up to try to fool consumers into parting with their money. Some sound like a government agency, or even part of BBB or other nonprofit consumer organization. Most ask for an upfront fee to help you deal with your mortgage company or the government (services you could easily do yourself for free), and almost all leave you in more debt than when you started.

Top Sales Scam

Sales scams are as old as humanity, but the Internet has introduced a whole new way to rip people off. Penny auctions are very popular because it seems like you can get something useful - cameras, computers, etc. – for way below retail. But you pay a small fee for each bid (usually .50 to $1.00) and if you aren’t the winner, you lose that bid money. Winners often are not even the top bidder, just the last bidder when time runs out. Although not all penny auction sites are scams, some are being investigated as online gambling. BBB recommends you treat them the same way you would legal gambling in a casino – know exactly how the bidding works, set a limit for yourself, and be prepared to walk away before you go over that limit.

Scam of the Year

Yep, it’s us – the BBB phishing scam. Hundreds of thousands, perhaps millions, of people have gotten emails that very much look like an official notice from BBB. The subject line says something like “Complaint Against Your Business,” and the instructions tell the recipient to either click on a link or open an attachment to get the details. If the recipient does either, a malicious virus is launched on their computer…a virus that can steal banking information, passwords and other critical pieces of information needed for cyber-theft. BBB is working with security consultants and federal law enforcement to track down the source of these emails, and has already shut down dozens of hijacked websites. Anyone who has opened an attachment or clicked on a link should run a complete system scan using reputable anti-virus software. If your computer is networked with others, all machines on the network should be scanned, as well.

For more information on these and other scams, go to BBB Scam Source (www.bbb.org/scam). Sign up for our Scam Alerts and learn about new scams as soon as we do.

BBB Offers End of Year Checklist to Help Start 2012

12/28/2011

Posted on 12/28/2011 by
How to Get a Head Start on Making 2012 a Prosperous Year

Marlborough, MA - December 27, 2011 - December is a time for family, travel, food and fun. However, for businesses it is a great time to evaluate 2011 successes, and determine business needs for the upcoming year.

BBB offers a checklist to help you plan for 2012:

• Plan Strategically
In order to plan where you want to be one year from now, evaluate your current business successes. Take the time to update your finances, business plan and yearly budget in order to set realistic goals for 2012.

• Redefine Your Branding
Evaluate how you reach your current and future customers and determine methods to enhance your product and service offerings. This may be as simple as developing a new tagline or as in depth as investing in new technology. Determine what items should be implemented and add those to your budget for 2012.

• Finalize 2011 Projects
Review your “to do” lists and ask your employees to do the same. Assign deadlines to finish these tasks or reevaluate for the following year.

• Prepare for Tax Season
Contact your tax accountant or visit the Internal Revenue Service’s website and order your forms for the upcoming tax season. Start gathering your receipts for a faster tax preparation. Remember any employee that earned more than $600 during 2011, including contract laborers, should receive a tax form.

• Complete Employee Reviews
Schedule time with employees to complete year-end reviews, revisit goals and celebrate accomplishments. Identify the training and resources needed to develop your employees both professionally and personally.

• Take Inventory
Take a physical inventory of your office equipment and supplies. Make sure you have replacement insurance coverage for all company assets.

• Thank Your Customers
Year-end is the perfect time to send an email or holiday card thanking your customers for their business. Include a short survey to help elicit feedback on how you can improve your products and services in 2012.

For more advice on developing effective business strategies, visit bbb.org/us/Business-Resources.

BBB’s Naughty and Nice List

12/27/2011

Posted on 12/27/2011 by

While Santa gets ready to hitch up the reindeer for his big flight, consumers are making their final holiday purchases. Better Business Bureau predicts they are going to be less “Grinchy” about their gifts than they have been in years past. BBB checked Santa’s list and here’s what they found:

On the nice list this year, BBB predicts that consumers will be twice as happy with their online purchases as they have been in years past, while in-store purchases will cause more of a holiday headache. Retailers, especially department stores, should gear up for more returns and complaints this year.

Tiny tots with their eyes all aglow will be happier with their shiny, new toys than they were last year, while those receiving shiny, new bling may find more to complain about. Electronics and gadgets may make the naughty list this year, too…and not just because Santa forgot extra batteries.

BBB also predicts that restaurants and airlines will be on the naughty list, but it’s not too late to change Santa’s mind!

As consumers finish-up their holiday shopping, BBB is reminding shoppers to not only check their list twice, but also check BBB’s Business Reviews at www.bbb.org/search before making any purchases.

For more holiday tips, visit www.bbb.org/us/consumer-tips-holiday. Happy Holidays, everyone!

It’s Still Out There! New Advice for Recipients of BBB Complaint Email Scam

12/20/2011

Posted on 12/20/2011 by

Arlington, Virginia – 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 open any attachments
• Do not click on any links
• Delete the email 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, 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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Media: For more information, contact Katherine Hutt at 703-247-9345 or khutt@council.bbb.org. After hours or weekends, call the BBB Media Hotline at 571-422-3584.

BBB Business Advice for Tackling Holiday Gift Returns

12/15/2011

Posted on 12/15/2011 by

BBB Business Advice for Tackling Holiday Gift Returns

While most retailers love the holidays and the increased sales of the last quarter of each year, no one looks forward to the dreaded post-holiday gift returns. BBB is advising businesses to make sure that their return policies are simple and solid before tackling customer gift returns this holiday season.

Most consumers are happy with return policies. According to the National Retail Federation’s, 2010 Holiday Returns Survey, nearly nine out of 10 Americans (88.4 percent) say they find stores’ return policies to be fair.

It’s important for retailers to keep their customers in mind when it comes to their return policy. “A solid return policy keeps customer service in mind as well as being fair to your business,” said Dwight Kealoha, CEO of Hawaii’s Better Business Bureau. “A good balance consists of being customer friendly and protecting your business from return fraud at the same time.”

BBB recommends that businesses consider the following when creating, solidifying or simplifying their return policy:

Make sure the customer is aware of your policy. Display you policies at the checkout counter and on your website.

Provide gift receipts. Six out of ten shoppers say they include a gift receipt when giving a gift, so be sure to offer one at the time of purchase.

Encourage customers to return the merchandise unused, unworn or unwrapped. Everyone likes getting merchandise in its original package and by encouraging customers to return goods this way, you better your chances that the product can be resold.

Make online returns easy. Lay out the return rules clearly. Explain who pays for the return shipping, where the customer sends the return, and any forms or mailing labels you want them to use.

Stay calm and helpful. The holidays can be a stressful time for everyone and making returns is usually not high on the customer’s list of fun things to do. When working with a customer, always go into a return with a smile. If their experience is good, you may win over a new customer.

For more helpful tips, visit http://www.hawaii.bbb.org

Five Years of Industry Self-Regulation Results in Remarkable Changes in Food Advertising to Kids, Says BBB

12/14/2011

Posted on 12/14/2011 by

Arlington, VA – Five years ago, leading food and beverage companies made a major commitment to be a part of the solution to childhood obesity by agreeing to limit what foods they advertise to children under the age of 12. The Council of Better Business Bureaus (CBBB) launched the Children’s Food and Beverage Advertising Initiative (CFBAI) in November 2006 with ten charter companies.

The CFBAI released its annual report today and provided a five-year retrospective on the changes in children’s food advertising and on the program expansions that have made this self-regulation program even more robust. The report noted there was excellent compliance with the participants’ commitments to advertise to children only products meeting meaningful nutrition criteria or not to engage in child-directed advertising.

“Thanks to CFBAI’s participants, kids now see ads for a wide variety of healthier products, including cereals, crackers, yogurts, soups, snacks and meals, that have less sugar, sodium and fat, and are more nutritious,” said Elaine D. Kolish, CBBB Vice President and Director of CFBAI. “These days, children are regularly seeing ads for products that include, for example, whole grains.”

The CFBAI itself has changed with the times, expanding the scope of the program to cover new and emerging media, such as child-directed ads on smart phones and ads on children’s video games and DVDs. Participation also has grown to 17 companies, which represent the vast majority of food and beverage advertising to children.

“The companies that participate in the CFBAI have made major changes in their business practices since the program was launched,” stated Kolish. “Under self regulation, they’ve significantly improved the products in child-directed ads in both traditional and new media, none are advertising to kids in elementary schools, and none are doing product placement in child-directed entertainment or editorial content.”

Its most significant advance in 2011, its fifth year, was the issuance of new CFBAI category-specific uniform nutrition criteria. “The new criteria build on what CFBAI’s participants already have accomplished ─ achieving product improvements without sacrificing taste, which any parent will tell you is more than half the battle,” said Kolish.

The new uniform nutrition criteria establish limits on calories, saturated fat, trans fat, sodium and sugars for ten product categories, and include requirements for nutrition components to encourage, such as vegetables, fruit, low-fat dairy, whole grains, and essential vitamins and minerals. The new criteria require participants to improve many products they currently advertise to children ─ products that already meet meaningful nutrition standards ─ if they wish to continue advertising them after these criteria go into effect on December 31, 2013.

For a copy of CFBAI’s five-year report, please contact Kelsey Owen at 703-247-9376 or kowen@council.bbb.org

About the Children’s Food and Beverage Advertising Initiative
The Council of Better Business Bureaus launched the Children’s Food and Beverage Advertising Initiative in November 2006 to shift the mix of advertising messaging directed at children to encourage healthier dietary choices and healthier lifestyles. The 17 participants of the Initiative are Burger King Corp.; Cadbury Adams USA LLC; Campbell Soup Company; The Coca-Cola Company; ConAgra Foods, Inc.; The Dannon Company; General Mills Inc.; The Hershey Company; Kellogg Company; Kraft Foods Global, Inc.; Mars, Incorporated; McDonald’s USA, LLC; Nestlé USA; PepsiCo, Inc.; Post Foods, LLC; Sara Lee Corporation and Unilever United States. For more information about the Children’s Food and Beverage Advertising Initiative and to view the current pledges of the participants visit: www.bbb.org/kids_food.

About BBB
As the leader in advancing marketplace trust, Better Business Bureau^® is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews and BBB Wise Giving Reports^® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org for more information.

Recent Popular Tweets and Links from Hawaii's BBB on Twitter and Facebook

12/9/2011

Posted on 12/9/2011 by

The recent popular tweets and links from Hawaii’s BBB on Twitter & Facebook:

Congress Considers Bill Said to Allow Telemarketers Increased Access to Your Cell Phone http://ow.ly/7UmC3

Hawaii's BBB Torch Awards celebrates market place excellence. Nominate a Biz for the 2012 Torch Awards http://ow.ly/7UpUO

Online Dating is very popular right now but there are some things you should know http://ow.ly/7QDd8

Stay clear of debt collection scams ow.ly/7UmuT

The most asked and complained about industries in Hawaii for the month of November - along with some other BBB stats ow.ly/7T9Ad

Always use a licensed contractor - you will save money and heartache in the long run http://ow.ly/7Ngtm

Here are a few online banking safety tips http://ow.ly/7J5ze

Best Corporate Game of 2011:Freerice.com bbb.org/blog/2011/12/b… via @bbb_us

Don't Bite on this Phishing email claiming to be from BBB ow.ly/7RUUl

Something fishy? Got ripped off? Use "I want to report a scam" & tell us: ow.ly/7QHnn

Trial offers can become monthly payments for stuff you don’t want. Get info & tips to avoid negative options: ow.ly/7PIHT

Charitable Giving: A New Look at Christmas ow.ly/7PwS5

How to Pick an Investment Professional: ow.ly/7N6nn

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter and Facebook

Hawaii's BBB Activity Report for the month of November

12/7/2011

Posted on 12/7/2011 by

Most Asked About Businesses

Types of Business	Inquiries
General Contractors	1286
Plumbing Contractors	1069
Electricians	1027
Auto Body Repair & Painting	898
Roofing Contractors	876
Travel Clubs	776
Pest Control Services	735
Travel Agencies & Bureaus	710
Real Estate	657
Auto Repair & Service	633

Most Complained About Businesses

Type of Business

Complaints

Resolution Rates

Auto Renting & Leasing

13

100%

Timeshare Companies

13

100%

Auto Dealers - New Cars

7

100%

Banks

6

100%

Travel Clubs

6

100%

General Contractors

4

100%

Plumbing Contractors

4

100%

Restaurants

4

NA

Real Estate Agents

4

NA

Property Management

4

100%

Airlines

4

NA

Analysis of data for November 2011:

Overall volume of activities (Compared to November 10):

Web Traffic: (40% increase)

Complaint Opened: (14% increase)

Requests for information:6% decrease (111% increase)

Requests for BBB Accredited Business lists: (109% increase)

Request A Quote requests: 28% increase (93% increase)

Mobile BBB Business Review: 1% increase

Outreach Activities this month

Navy Annual Retired Seminar

Saturday November 5, 2011

West Hawaii PrimeTime Wellness Fair

Thursday November 10, 2011

Don't Bite on BBB Phishing Emails

12/7/2011

Posted on 12/7/2011 by

Better Business Bureau is issuing an urgent SCAM alert cautioning businesses and consumers about an email that looks like it is from BBB, with the subject line “Complaint from your customers.” This e-mail is fraudulent; ignore its contents and delete it immediately. If you have already clicked on a link in the e-mail, run a full virus scan of your computer.

The return e-mail address is riskmanager@bbb.org (an address BBB does not use) and it is signed with the address of the Council of Better Business Bureaus, the national office of the BBB system. The e-mail contains a link to a non-BBB web site. Do NOT click on the link.

BBB is working with law enforcement to determine its source and stop the fraudulent campaign.

BBB Warns Homeowners: Changes to Mortgage Rules Bring Out Scams

12/1/2011

Posted on 12/1/2011 by

Arlington, VA – Starting today, some homeowners who are “under water” with their mortgages can refinance under the Home Affordable Refinance Program (HARP), but the Better Business Bureau is warning consumers that banks and mortgage companies aren’t the only ones gearing up for the rush of applications.

“Whenever there is a new or updated government program that may be a bit confusing, scammers come out of the woodwork to take advantage of that confusion,” said Katherine Hutt, spokesperson for the Council of Better Business Bureaus. “There are already hundreds of websites claiming to be able to help homeowners through the HARP process, but many of them are rip-offs and scams.”

BBB is warning all homeowners who are thinking of applying for a HARP refinance to:

Deal directly with your lender first, and never make payments to anyone other than your lender.
Don’t pay upfront fees to anyone who promises to provide counseling, takes care of the paperwork for you, or stops the foreclosure process.
Be wary of anyone who tells you not to contact your lender, a lawyer or a credit counselor, or who asks for payment by cashier’s check or wire transfer.
Never sign over your deed to anyone, or allow yourself to be pressured into signing something you don’t understand.
Be especially careful of look-alike and sound-alike websites.
Find out if you qualify here or by calling the Homeowner’s HOPE Hotline at 1-888-995-HOPE (4673) to speak to a HUD-approved housing counselor for free (assistance is available in English and Spanish, and in other languages by appointment).
Report scams to BBB at www.bbb.org/us/scam-source.

The changes to the HARP program were announced by President Obama in October to allow homeowners to refinance at lower interest rates, even if their home is currently worth less than their mortgage. The new HARP rules apply to homeowners who are current on their payments and whose loans are backed by either FannieMae or FreddieMac. Some lenders will begin accepting applications as early as today, although many will take a few weeks or even a few months to roll out the program. More than one million borrowers are expected to apply for the program, according to the Federal Housing Finance Agency, which oversees the two major mortgage lending programs.

Check out businesses and charities before you buy, donate or invest at www.bbb.org. Additional mortgage and credit-related tips are available at www.bbb.org/us/clearpoint-tips.

If you have credit problems, find a credit counseling agency in your area by calling 800-388-2227 (en Espanol 800-682-9832).

About BBB
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB.

BBB CONSUMER ADVICE: PROCEED WITH CAUTION WHEN DATING ONLINE

11/30/2011

Posted on 11/30/2011 by

Honolulu (November 29, 2011) - Millions use dating and social networking sites to meet people. While many are looking to start a successful relationship, there are those using these sites to take advantage others. Con Artists use these sites to meet potential victims. And while everyone is at risk, seniors are a major target.

“Unfortunately, the anonymity of the internet makes it a perfect place for con artists to hide their real intentions” Said Dwight Kealoha, CEO of Hawaii’s Better Business Bureau. “They try to lure their victims under the guise of romantic interest.”

These con artists create fake profiles to build online relationships, and eventually convince seniors to send money in the name of love. The Better Business Bureau offers these tips to help you recognize when the relationship may not be what you think – especially when your “Sweetheart”

Wants to leave the dating site immediately and use personal email or telephone.
Claims love within moments of meeting you online
Claims to be from the U.S. but is traveling overseas.
Plans to visit, but is prevented by some sort of emergency or deal gone bad

Here are a few things that people can do to help prevent being scammed on dating sites. Don’t wire money to cover:

Travel
Medical emergencies
Hotel bills
Hospital bills for a child or other relative
Visas or other official documents

Don’t send money to tide someone over after a financial setback, and don’t do anyone a favor by making an online purchase or forwarding a package to another country. One request leads to another, and delays and disappointments will follow. In the end, the money will be gone along with the person you thought you knew.

Report Online relationship scams to:

· The FBI’s IC3
· Your State Attorney General
· Your Better Business Bureau

ALERT: Scam Email Claims It’s from BBB

11/23/2011

Posted on 11/23/2011 by

Better Business Bureau is issuing an urgent SCAM alert cautioning businesses and consumers about an email that is purporting to be from a bbb.org email address about a recently filed complaint. The email contains a dangerous attachment regarding a complaint and appears to direct recipients to the BBB website. This is a scam - BBB does not send complaints as attachments via email.

The email appears to come from a fake BBB employee claiming that the recipient needs to review this matter and advise the BBB of their position. From there, the email appears to direct the recipient to the BBB website, but actually directs them to an outside link. This email is fraudulent and does not originate from BBB. The email attachment and link are malicious and we are strongly advising to not open or click them.

Should you receive such an email, please disregard its message, and report any information received to BBB’s Scam Source, and then delete it. If you have clicked on the link, immediately do a virus scan.

Keep Your Holiday Budget on Track

11/22/2011

Posted on 11/22/2011 by

Arlington, VA – Whether you are gearing up to hit the malls on Black Friday, sticking close to home for Small Business Saturday, or shopping online on Cyber Monday, there is still one thing you must do first – make a holiday budget.

The average American overspends for the holidays, and then faces a bleak January as credit card bills pile up. Don’t let that happen this year! Better Business Bureau and Clearpoint Credit Counseling have teamed up to offer financial tips and an online Holiday Planner Calculator to help make sure your holidays are merry and bright!

Check out our holiday tips on creating a budget and sticking to it, safe shopping online, giving and using gift cards, and more. Use the Holiday Planner Calculator to determine an overall budget, decide how much to designate for each category (gifts, parties, travel, food and donations), then get into details like how much to spend on each person, budgeting for parties and travel, and more. Creating a budget and sticking to it can be a challenge, but being more conscious of your holiday spending habits will help you start the new year without a lot of new debt.

Some other ideas for sticking to a budget:

Cut down on gift-giving: For work gatherings, have everyone draw a name and give one gift. Set limits with family members and then get creative about finding something in your new, lower price range. Consider giving only to children. For the person who has everything, consider making a charitable donation in his or her name.

Do it yourself: Homemade crafts and decorations can be fun to make and to give. Consider baking or canning your gifts this year. Give gift certificates for future services (babysitting, dog walking, leaf raking) or special events after the holidays (shows, ice skating).

Reduce, Reuse, Recycle: Use less of everything, because little things add up. Is it necessary to gift wrap that huge box? How about putting a “clue” under the tree instead and have the recipient find the present hidden someplace else in the house. Reuse gift bags – they are sturdy enough to be used five or six times. Make your own gift tags and decorations. Spray paint old candle holders gold or silver instead of buying new ones.

Trim energy costs: Switch to LED lights and you’ll not only burn less energy, you’ll need fewer strands because the lights are brighter. Turn off your outside decorations when you go to bed. Turn down the thermostat when no one is home. Combine shopping trips and errands, and carpool to family gatherings.

Check out more BBB holiday tips on our website.

Clearpoint Credit Counseling Solutions is a national 501c3 nonprofit offering budgeting, housing and credit counseling services in all 50 states. Clearpoint is a member of the National Foundation for Credit Counseling and is a BBB National Partner.

The recent popular tweets and links from Hawaii’s BBB on Twitter & Facebook:

11/18/2011

Posted on 11/18/2011 by

The recent popular tweets and links from Hawaii’s BBB on Twitter & Facebook:

The most inquired and complained about industries in Hawaii for the month of October ow.ly/7yely

The FCC launched its Small Biz Cyber Planner, an online resource to help small biz create custom cyber-security plans ow.ly/7y9Lz

SEC Halts Scam Touting Access to Pre-IPO Shares of Facebook and Groupon ow.ly/7wUit

BBB Black Friday Tip Sheet ow.ly/7w6cY

What Makes a Good Corporate Citizen? ow.ly/7uMP8

Ideas for Growing a Small Business—Tips on getting loans & managing money:ow.ly/7r4Qb

How Can I Set My Small Business Apart: ow.ly/7uMV0

BBB Military Line supports #military personnel, families, retirees & #DoD civilians. Latest newsletter: ow.ly/7xjhi

How to Avoid Gift Card Scams bbb.org/blog/2011/11/a…

Another Day, Another Facebook Scambbb.org/blog/2011/11/a

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter and Facebook

How LinkedIn Can Enhance Your Business

11/18/2011

Posted on 11/18/2011 by

How LinkedIn Can Enhance Your Business

LinkedIn is said to be the leading online professional network. You'll see LinkedIn used in a number of different ways as it is a tool that can enhance personal brands, help you with research, give you access to new networks, and portray you as the business professional you are.

Many of the people who have signed up on LinkedIn are probably asking "now what?" James Kerr, CEO of SuperGeeks, cuts to the chase and gives you a hands-on view so you can understand what your LinkedIn strategy should be.

In this seminar you will learn:

· Easy must-do's to help you be found and leave a positive first impression

· How to interact with others, in your network or not, to do research and enhance you brand.

· How to find people that you should find to grow, enhance and nurture your network relationships.

· What makes a good profile, and what you should do to yours to improve it.

Friday December 2nd from 9am-10am
1132 Bishop Street, Suite 611
Honolulu, HI. 96813

Pastries and other refreshments provided
Parking within 1132 Bishop will be validated

BBB Accredited Business – 25 dollars
Non-BBB Accredited Businesses – 35 dollars

Seats are limited for this event – Please call 808-628-3907 to reserve your seat.
Or email us if you have any questions.

Hawaii's BBB Activity Report for the month of October

11/18/2011

Posted on 11/18/2011 by

Most Asked About Businesses

Types of Business	Inquiries
General Contractors	1601
Roofing Contractors	1100
Electricians	1088
Auto Body Repair & Painting	983
Plumbing Contractors	953
Solar Energy Products Installation Contractors	925
Travel Agencies & Bureaus	877
Travel Clubs	868
Pest Control Services	774
Construction & Remodeling Services	718

Most Complained About Businesses

Type of Business	Complaints	Resolution Rates
Toys - Retail	10	66.67%
Auto Dealers - New Cars	6	100%
Auto Renting & Leasing	6	80%
Real Estate Agents	6	100%
Travel Clubs	6	80%
Auto Dealers - Used Cars	5	100%
Wedding Consultants	5	100%
Handyman Services	4	0%
Hotels	4	75%
Property Management	4	100%
Resorts	4	100%
Towing - Automotive	4	100%
Sweepstakes	4	0%

Analysis of data for October 2011:

Overall volume of activities compared to previous month (Compared to October 10):

Web Traffic: (39% increase)
Requests for information: (66% increase)
Requests for BBB Accredited Business lists: (62% increase)
Request A Quote requests: 27% increase

Outreach Activities this month

Presentation to Koolau Senior Hui	Thursday October 13, 2011
Kauai PrimeTime Wellness Fair	Tuesday, October 18, 2011
Secure Your ID Day	Saturday October 22, 2011
Hawaii Small Business Fair	Saturday October 29, 2011

BBB Black Friday Tip Sheet

11/16/2011

Posted on 11/16/2011 by

It’s time to start planning your Black Friday, that special day after Thanksgiving when retailers gear up to offer their best. Better Business Bureau past experience tells us that all deals are not created equal and the fine print is often the most important thing. Before you head out the door for a block buster and get caught up in the frenzy, the BBB offers the following tip sheet to help you save time and money.

Tip 1 – Know before You Go.
In the coming weeks many retailers will release their Black Friday deals online, in social media and other publications. Research where the sales are and make a list of your gift priorities to compare prices and plan your day of deals. Since many advertisements will begin before the actual sale, build up a coupon collection as soon as possible. Remember to bring ads with you on Black Friday just in case the price is not what you expected.

Tip 2 – Don’t Fall for False Advertising.
Despite BBBs effort to advance trust in the marketplace, some companies will resort to advertisements that are untrue, misleading, deceptive, or plain fraudulent. Black Friday advertising will be abundant and BBB urges consumers to watch for red flags.

Many consumers have experienced frustration and lost money they can’t afford to lose after being lured by prices too good to be true, bait and switch ads designed to bring you in but push you toward more expensive items, fine print return policies, final sales, and deals that end before the day is done. To protect you on Black Friday, BBB advises consumers not to believe all they see or hear without doing their own research to confirm the claims being made. For details and help to decipher truth in adverting, consumers can review BBB's code of advertising.

Tip 3 – Maximize Advance Alerts.
Do you have favorite retailers? Now is a good time to sign up for their email alerts and “like” their Facebook page. BBB Accredited Businesses and other stores are working to reward your loyalty and you may get a jump on special offers.

Tip 4 – Set up Your Reward Cards.
Have you ever stood in line with out your store rewards card? You either missed out or the clerk may have handed one over. Black Friday deals may have strict restrictions with no sharing allowed. Make sure you have reward cards with your favorite stores and keep them with you. Check your credit card rewards program as well for special points that could add up on Black Friday.

Tip 5 – Shop with Trust.
If you find a deal – don’t just jump at the first chance to get it. The BBB recommends doing your research on the business – know how long they’ve been in business, look into their customer service track record, check them out at bbb.org. If you have concerns about the type of gift or the right fit – make sure you ask about their return policy too.

Tip 6 – Comparative Shop Online.
There are dozens of Black Friday websites that claim to capture the best deals around and they can really help you do your comparative shopping online. Before you pick your favorite site, the BBB recommends that consumers find a reputable site that’s not a fly-by-night operation by checking them out at bbb.org and see what others say about the site through an online search.

If you decide to buy online there are a host of security measures to abide by, among them to Start with Trust and know you are dealing with an experienced, reputable retailer; confirm that the site is secure and be certain you have a phone number and physical address should problems arise with your order.

Tip 7 – Look for QR Codes.
They’re square, black-and-white and funny looking – but they can take you straight to a deal. QR stands for Quick Response codes and they’re popping up in many ads and print materials. Several BBB Accredited Businesses use them to help you Start with Trust and they can bring you directly to a special offer or a BBB Business Review. Before you can scan one and view the offer - you’ll have to install a QR app reader. Most newer smart phones are equipped to scan QR codes and if you’re a mobile shopper you could really have some fun.

Tip 8 - Shop Small
Save your gas money and your time when you stay close to home. The Better Business Bureau is encouraging consumers to support small businesses in their community on Small Business Saturday, the day after Black Friday. Check your neighborhood retailers for their weekend deals and gain some goodwill by knowing you’ve done your part to help them thrive during the holidays. Although a price match may not be applicable for some items - your neighborhood store may be able to guarantee a price for you – even if you decide to buy later.

Tip 9 - Check Return and Exchange Policies.
All bets can change for Black Friday deals which means the store policies can change too. Make sure you know what the return and exchange policy is for your Black Friday special and that a return is even possible – especially if you’re buying online. Final sales, a very short return window (like before December 25^th) or in-store or online only credit could leave you with deal gone wrong.

Tip 10 – Shop Safely.
While getting a deal is important, there are ways to shop safely without putting yourself or your wallet in jeopardy. The Better Business Bureau advises consumers to take their time and plan ahead for the best rewards.

· Make a list and prioritize where you should go and when.

· Bring friends into the mix to help sort through your options, two cars can go in two directions making it easier to get limited quantities and some pals will even wait in line as you trade off shopping in the stores.

· Remember to get gift receipts and keep them organized for those moments when the thought wasn’t quite enough.

Recent Popular Tweets and Links from Hawaii's BBB on Twitter and Facebook

11/11/2011

Posted on 11/11/2011 by

The recent popular tweets and links from Hawaii’s BBB on Twitter & Facebook:

Always be on the alert for shady deals & scams. Get tips to avoid becoming a victim of fraud: http://ow.ly/7r49M

Today we honor the hard work and sacrifice of the entire veteran community. Thank you Veterans everywhere #veteransday

11 Ways to Help Veterans on 11-11-11 ow.ly/7r4LE

Cell Phone Providers Sell Customers’ Information bbb.org/blog/2011/11/c… via @bbb_us

Learn How to Protect Elder Americans from Investment Swindles, Other Financial Abuse ow.ly/7pByt

Consumer Financial Rights: ow.ly/7oBPh

Avoid Social Security Scams says Carol bbb.org/blog/2011/11/a… via @bbb_us

2nd annual Small Business Saturday - Nov 26. ow.ly/7opxz

Holiday Layaway- Is it for you? bbb.org/blog/2011/11/h…

Firefox 8 launches with Twitter search ow.ly/7n30G

Usually we are talking about gadgets when referring to toys, but these children toys look pretty neat ow.ly/7lz4E

New fake coupons circulating for several popular items. See the ones not to use or accept: ow.ly/7jIQ2

Identity Theft & Your Social Security Number: ow.ly/7jIOD

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter and Facebook

11 Ways to Help Veterans on 11-11-11

11/11/2011

Posted on 11/11/2011 by
Better Business Bureau arms consumers and business owners with suggestions on how to support veterans and military service members this Veterans Day: Friday, Nov. 11, 2011.

Volunteer: According to the U.S. Department of Veterans Affairs, the V.A.'s Voluntary Service is the largest volunteer program in the federal government.

1. Student Volunteer Program allows students to provide care and medical treatment to veterans.

2. Corporate Volunteerism redeems the talents and efforts of employees seeking to "serve those who have served."

3. Homeless Veterans Program connects homeless veterans and their families to community services.

4. National Cemetery Administration honors veterans at commemorative cemeteries and national shrines.

5. Volunteer Transportation Network links volunteer drivers with those seeking care from the V.A.

6. Welcome Home Events around the country welcome back returning military service members and offer guidance on V.A. programs and benefits.

Donate: Door-to-door solicitors, telemarketers and direct mailers plea for donations; but first, find out how the organization benefits veterans.

7. National Resource Directory lists 'Veteran Service Organizations.' Also, check registration with the state and the Internal Revenue Service.

Motivate: An estimated 3 million American veterans own their own businesses, according to the U.S. Department of Veteran Affairs.

8. Center for Veterans Enterprise provides resources for veteran entrepreneurs and an online database of veteran business owners.

9. Small Business Administration's Office of Veteran Business Development maximizes the availability of small business programs for veterans.

10. Veterans' Employment and Training Service, a program of the U.S. Department of Labor, prepares veterans for meaningful careers and protects employment rights.

11. VetSuccess educates veterans who are in transition at work, school or home.

BBB serving Alaska, Oregon and Western Washington encourages supporters to:

· Find more opportunities on volunteer.va.gov, volunteer.gov and serve.gov.

· Vet businesses, "Veterans & Military Organizations" and charities at bbb.org.

· Utilize BBB Military Line, which offers free guidance on various financial matters.

BBB Issues Warning About Veterans’ Day Scams

11/11/2011

Posted on 11/11/2011 by

Arlington, VA – Some of the most cynical scams target service members, their families and veterans, warns the Better Business Bureau. Veterans’ Day is a key opportunity for scammers who would target those who are serving or have served their nation, especially elderly vets.

“It is unconscionable that one of the most dedicated and selfless segments of our population would be targeted by unscrupulous businesses, but they are,” said Brenda Linnington, director of BBB Military Line. “At BBB, we believe our military consumers deserve the level of respect and support commensurate with the effort they make every day on behalf of the rest of us – and we’ll do our utmost on their behalf by promoting a safe and ethical marketplace for all military consumers.” BBB Military Line provides free financial literacy and consumer protection services to the military community, as well as information on the latest scams, schemes, and ID theft tactics that threaten them.

Among the scams to watch out for:

Posing as the Veterans Administration and contacting vets to say they need to update their credit card, bank or other financial records with the VA;
Charging veterans for services they could get for free or less expensively elsewhere, such as military records;
Fraudulent investment schemes that convince veterans to transfer their assets into an irrevocable trust;
Offering “instant approval” military loans (“no credit check,” “all ranks approved”) that can have high interest rates and hidden fees;
Advertising housing online with military discounts and incentives, and then bilking service personnel out of the security deposit;
Trying to sell things like security systems to spouses of deployed military personnel by saying the service member ordered it to protect his or her family;
Selling stolen vehicles at low prices by claiming to be soldiers who need to sell fast because they’ve been deployed;
Posing as government contractors recruiting veterans and then asking for a copy of the job applicants’ passport (which contains a lot of personal information);
Posing on online dating services as a lonely service member in a remote part of Iraq or Afghanistan, and then asking for money to be wired to a third party for some emergency.

Another caution is to watch out for questionable charity appeals that raise funds on behalf of military organizations. “Telephone solicitors will call and say they are with a group that is helping veterans, service members or their families,” says Art Taylor, president and CEO of the BBB Wise Giving Alliance. “As with all charity appeals, before you donate, check out the organization with the BBB to verify that the charity meets BBB charity standards.”

BBB advises service members, veterans and all consumers never to give personal identification information (Social Security, bank account, military identification or credit card numbers, etc.) to anyone who contacts you by phone or e-mail, and to be wary of any solicitations that involve purchasing something or transferring money. Consumers can check out businesses and charities for free at www.bbb.org. Military personnel and veterans who need assistance should contact the United Service Organizations (www.uso.org), their state office of veterans’ affairs, or the Veterans’ Administration.

Recent Popular Tweets and Links from Hawaii's BBB on Twitter and Facebook

11/4/2011

Posted on 11/4/2011 by

The recent popular tweets and links from Hawaii’s BBB on Twitter & Facebook

Five Facts You Didn’t Know About the BBB ow.ly/7cfdA

Peanut butter lovers will soon face the brunt of soaring prices ow.ly/7heen

Timothy Caminos from Hawaii's BBB speaks about ID Theft with Vanessa Stewart – http://ow.ly/70qK5

How You Give is Just as Important as What You Give – Give Wisely this Holiday Season ow.ly/7g6ou

Love to watch videos? How about making them? Learn to use YouTube for business with guest speaker James Kerr of @supergeeks ow.ly/78T81

Strategic Reflections Imposter Duping Consumers bbb.org/blog/2011/11/s…

Consumers and Good Businesses Win When BBB Exposes Bad Business bbb.org/blog/2011/11/c…

Should Liquor Be Sold in the Competitive Marketplace? http://ow.ly/7g6l0

National Foundation for Credit Counseling Launches MyMoneyCheckUp bbb.org/blog/2011/11/n

Interesting quick pay application for your smart phone ow.ly/7h5xm

Free Money: How To Get A Government Grant, and how NOT to get one ow.ly/7gTd3

Macy’s to be Open for 23 Hours On Black Friday bbb.org/blog/2011/11/m… via @bbb_us

Hawaii's BBB Helping the people avoid ID theft! http://ow.ly/6WYSY

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter and Facebook

How You Give is Just as Important as What You Give – Give Wisely this Holiday Season

11/1/2011

Posted on 11/1/2011 by
Because of technology and the creativity of charities, there are many different ways that donors can give to a worthy cause. Whether you’re giving money, canned goods, used items or your time, BBB Wise Giving Alliance reminds donors that how you give is just as important as what you give.

According to the Giving USA Foundation, total estimated charitable giving in the United States rose 3.8 percent in 2010 (2.1 percent adjusted for inflation). The increase reflects the continued determination of every American to support charitable organizations even during challenging economic times.

“With a tight budget this holiday season, it will be important for donors to be creative when giving back and supporting those who are less fortunate,” said H. Art Taylor, president and CEO of the BBB Wise Giving Alliance. “When looking to make a contribution, it’s important to take the time to do your research. How you give is just as important as what you give.”

BBB Wise Giving Alliance offers the following five common ways that people donate to charities over the holidays and a few things to consider:

Give items. Many organizations solicit for donations over the holidays including coats, toys, and canned goods. Whatever you’re donating, make sure the items are of good condition and that the recipient charity is accepting such items to help further its cause.

Give when you shop. Many charities have had great success partnering with businesses that agree to donate some amount of the purchase price from sales of items to a worthy cause. This type of cause-related marketing means that you can help while you shop. Check if the promotion identifies the actual or anticipated amount of the purchase price the charity will receive. Also some businesses, like grocery stores, ask if you want to donate to a charity and have that amount added to your receipt (also called embedded giving). See if the embedded promotion states which specific charity will receive the collected funds.

Give online. Giving online with a credit or debit card is among the most efficient ways to support a charity. Before you enter in your numbers, give the website a thorough review, look for the organization’s privacy policy, and verify if the organization has appropriate security measures in place to protect such transactions.

Give through text messaging. The option to give via text message took off in the wake of the disastrous earthquake in Haiti. After texting a message to a number, the donation is tacked on to your cell phone bill. While donating via text is fast and easy for the donor, the actual money can take 60 – 90 days to reach the charity since the funds are forwarded after you pay the donation charge on your next monthly cell phone bill. During disaster giving periods like Haiti, however, cell phone carriers work to forward funds faster. Of course, charities welcome donations at any time during the year.

Give your time. In today’s tight economy, you may not have money, but you can always give a little bit of your time to help support a worthy cause. In addition to volunteering around the holidays, you can also be a vocal supporter of a charity and help raise awareness among friends and family and on your Facebook page or blog.

The BBB Wise Giving Alliance reports on more than 1,200 national charitable organizations at www.bbb.org/charity and determines if they meet 20 accountability standards addressing governance, finances and fund raising practices.

To review charity evaluations and get more advice on how to give when times are tight, visit www.bbb.org/charity.

Strange email from StubHub? It's a scam.

10/27/2011

Posted on 10/27/2011 by

Consumers across the country are reporting scam emails that appear to be from ticket company StubHub. The emails try to lure recipients into sharing credit card information by falsely alerting consumers they are being charged for expensive boxing tickets to a match in Nevada.

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

How the scam aworks:

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.

BBB warns against bogus Facebook Sweepstakes

10/24/2011

Posted on 10/24/2011 by

The Better Business Bureau warns that a bogus email supposedly from Mark Zuckerberg at Facebook is popping up in email inboxes. The scam email claims that the recipient is the winner of $1 million in “our 2011 Sweepstakes (Facebook Inc).”

The lottery emails are not from Facebook, and the BBB warns recipients not to click on the link in the email to claim the prize. One possibility: the link could lead to malware – harmful or malicious programs – being downloaded to the recipient’s computer. Or the recipient might receive an email reply from a scammer with instructions to wire thousands of dollars up front as some sort of fee to claim the non-existent prize.

The phony Facebook lottery email continues, “… your details(e-mail address) falls within our European representative office in Amsterdam, Holland, as indicated in your play coupon and your prize of US$1,000000 will be released to you from this regional branch office in England.”

Recipients are asked to click on a link to claim the prize, and are told to keep the information confidential: “For security reasons, we advice all winners to keep this information confidential from the public until your claim is processed and your prize released to you … ANY BREACH OF CONFIDENTIALITY ON THE PART OF THE WINNERS WILL RESULT TO DISQUALIFICATION.”

There are several red flags that the email is a scam:

· Businesses do not email consumers out of the blue to say consumers have won a lottery prize.

· The names of well-known businesses and individuals are often used in lottery scams to give the impression of a real lottery, even though there’s no connection to the named businesses or individuals.

· Prize winners would not be asked to click on a link in an unexpected email in order to claim a prize.

· The misspellings and poor grammar are signs that the email was not professionally prepared.

· The demand for confidentiality is a ploy to keep recipients from turning to someone they trust for advice, or checking with authorities.

Anyone who receives scam email can report the email to the Internet Crime Complaint Center, www.ic3.gov. Recipients may also want to forward bogus emails to the business that’s named in the email.

October is National Cyber Security Awareness Month, and BBB urges consumers and businesses to guard against online scams.

For tips on avoiding scams, see OnGuardOnline.gov at http://onguardonline.gov/topics/avoid-scams

Businesses can learn about protecting data by visiting Data Security – Made Simpler at http://www.bbb.org/data-security/

BBB Seminar - Learn How to Use YouTube for Business

10/24/2011

Posted on 10/24/2011 by

Did you know Videos can improve sales conversion rates by as much as 30%?

Videos are being watched everywhere at a rapidly growing rate every day. Videos both un-staged and produced are making their way into search engine results, your Facebook wall, Twitter feeds and your LinkedIn updates each day.

Join us and guest speaker James Kerr, Chief Geek of SuperGeeks as we talk about how free solutions like YouTube can boost your company's sales and net income.

Topics include:

How to get started with YouTube
What are best practices
How video can help with Search Engine Optimization
What kind of low-cost hardware and software you can use to create and edit video
Which videos have the greatest impact
How video can be used to reduce operational costs

Friday November 4^th from 9am-10am
1132 Bishop Street, Suite 611
Honolulu, HI. 96813

Pastries and other refreshments provided
Parking within 1132 Bishop will be validated

BBB Accredited Business – 25 dollars
Non-BBB Accredited Businesses – 35 dollars

Seats are limited for this event – Please call 808-628-3907 to reserve your seat.
Or email us if you have any questions.

Hawaii's BBB Activity Report for the month of September

10/20/2011

Posted on 10/20/2011 by

Type of Business	Complaints	Resolution
Auto Dealers - New Cars	13	100%
Travel Clubs	10	25%
Auto Renting & Leasing Co	9	100%
Jewelers - Retail	6	100%
Toys - Retail	6	57.14%
Property Management	6	100%
Restaurants	5	60%
Auto Body Repair & Painting	5	100%
Dentists	5	50%
Real Estate Agents	5	50%
Airlines	5	100%
Auto Dealers - Used Cars	4	66.67%
Home Centers	4	NA
Storage Units - Household & Commercial	4	100%
Television Stations & Broadcast Companies	4	100%

Most Asked About Businesses

Types of Business	Inquiries
General Contractors	1372
Roofing Contractors	1037
Travel Clubs	921
Plumbing Contractors	918
Electricians	890
Auto Body Repair & Painting	797
Pest Control Services	752
Solar Energy Products Installation Contractors	745
Travel Agencies & Bureaus	741
Wedding Consultants	658

BBB Consumer Services

Complaints opened: 262
Requests for information: 54,826
Requests for BBB Accredited Business lists: 11,242

Analysis of data for September 2011:

Overall volume of activities (Compared to September 10):

Web Traffic: (37% increase)
Complaint Opened: (3% increase)
Requests for information:(57% increase)
Requests for BBB Accredited Business lists: (54% increase)

ID Theft in the Charity Sector

10/17/2011

Posted on 10/17/2011 by

We all know identity theft is a serious problem that continues to affect our country. Last year, 8.1 million Americans were victims of ID theft, according to a 2011 report from Javelin Strategy and Research. A couple of years ago on the Big Island, my wife’s Visa debit card was stolen from her purse while she was working. The thief drove to the nearby computer store, purchased $800 worth of equipment, and then returned the card to my wife’s purse. Fortunately she caught the unauthorized charge a few hours later and had it reversed. Good news for our bank account, but when the store owner didn’t receive payment for his merchandise, he filed charges against my wife for theft.

The awful stories of ID theft we hear or read about mostly involve ID theft of individuals, and on occasion, businesses. But make no mistake, nonprofits are just as vulnerable.

According to a Forbes magazine article published earlier this year, it was discovered that someone was able to steal the tax IDs of almost 2,400 small or dissolved nonprofits. The thief was able to use the IRS form 990-N e-filing system to list the same person, William Alexander of Non Profit Accounting Services, as the charitable official for thousands of charities. The charities with Alexander listed as the principal officer, not surprisingly, all have the same private mail-box address on North Rainbow Boulevard in Las Vegas.

As you might expect, attempts to locate Alexander were unsuccessful and Non Profit Accounting Services is not listed in Las Vegas phone directories nor does it appear to have filed paperwork with the state business registration office in Nevada. Additionally, the fraudulent “relocation” of these nonprofits is appearing on the private database services that regularly use IRS data, such as Melissa Data and Guidestar. Furthermore, the Urban Institute, the organization that the IRS outsources the 990-N e-filing system to, was unaware of the problem until Forbes called to gather information for their article.

The reason for concern here should be obvious; the high potential for fraudulent solicitations in the name of a charity that is no longer in operation or isn’t aware that their ID has been stolen.

In the wake of such large-scale fraud, ID theft prevention for nonprofits should be more important than ever. Taking the initiative to stay abreast of important changes in the nonprofit sector and disposing of sensitive information properly are two effective methods for reducing the opportunities for ID theft.

Here in our state, the BBB Foundation of Hawaii helps nonprofits, as well as individuals and small businesses, keep their identity safe by annually holding a public service event where documents are shredded for free. Secure Your ID Day 2011 will be held on Saturday October 22 from 9am to Noon at three locations: Mililani High School, McKinley High School, and Kailua Elementary. The public is allowed to bring 2 file-size boxes or bags of documents for secure shredding. Cell phones, computers, laptops, and servers will also be accepted for recycling and hard drive destruction

The IRS hasn’t commented as to what action they may take regarding the almost 2400 falsely filed 990-Ns or to locate the person responsible for the nonprofit ID theft. But not every story ends so ominously. A few days later, my wife caught her thief red-handed and turned the thief over to the police. The charges filed by the computer store were eventually dropped and my wife’s name was cleared.

BBB iPhone App Now Available

10/12/2011

Posted on 10/12/2011 by

ARLINGTON, VA — Last year, consumers turned to the Better Business Bureau 87 million times to help them find trustworthy businesses and charities. Now they can have that information in the palm of their hand with the release of the official BBB Search app, a convenient, mobile BBB solution available for the iPhone, iPad and iPod Touch. The app was approved by the Apple Store and is available for download as of today.

“For 100 years, BBB has been the trusted source for unbiased information on businesses and charities,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “We have data on more than 4 million businesses in the United States and Canada – 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 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 info, BBB Accreditation status, consumer complaint history, and more
Save a listed business's info to Favorites or iOS contacts
Share a business's BBB Business Review URL via email, Twitter, or Facebook
Find a local BBB near you
Read the latest BBB Consumer News

Today’s launch 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 current ZIP code setting.
When adding a selected business to iOS contacts, the business's phone number is now always included.
Improved error handling with more descriptive and user-friendly messages.
Several minor bug fixes have been implemented and a reported crash bug on iOS 3.x devices is now fixed.

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.

App Store: Find BBB Search app in the app store.

For more information, please visit: http://www.bbb.org/iphone/

About BBB
As the leader in advancing marketplace trust, Better Business Bureau® is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 87 million consumers rely on BBB Business Reviews and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit http://www.bbb.org for more information.

# # #

For press inquiries, please contact Kelsey Owen:
email KOwen@council.bbb.org or phone 703-247-9376

BBB iPhone app screenshots for press use only:

The First Rule in Identity Protection: If you don't need it, destroy it.

10/4/2011

Posted on 10/4/2011 by

HONOLULU (October 4, 2011) – Hawaii’s BBB invites the Oahu community to BBB Secure Your ID Day on Saturday, Oct. 22, 2011 from 9 a.m. to Noon at three locations on the island.

The first rule in identity protection: If you don’t need it, destroy it...responsibly. BBB is here to help with our community shredding event, Secure Your ID Day.

Individuals and small businesses are encouraged to take a key step in identity protection by shredding and properly disposing of sensitive paper documents, CDs and floppy disks, CPUs, servers and unused cell phones. BBB staff will also be on-site to provide expert advice and tips for identity theft protection.

“For a number of years now, identity theft has arguably been the most pervasive crime in the United States” said Dwight Kealoha, CEO of Hawaii’s BBB. “Behind every statistic is a person whose life has been altered.”

BBB Secure Your ID Day locations:

McKinley High School
Mililani High School
Kailua Elementary

Bring up to two boxes or bags of documents, CDs and floppy disks to be shredded and take home the tips and resources you need to help protect your identity. Paper documents should be removed from binders, but staples and paper clips can be shredded.

BBB Secure Your ID Day also includes free, safe and secure cell phone recycling. The cell phones collected will have all user content removed before being refurbished, reused or smelted down for metals and plastics.

In addition, we will be accepting old laptops, CPUs, and servers for secure hard drive destruction for FREE

Hawaii’s BBB Secure Your ID Day is held in conjunction with National Protect Your Identity Week and sponsored by BBB Foundation of Hawaii, Access Information Management, Pacific Corporate Solutions and Bank of Hawaii.

About Hawaii’s BBB
Established in 1945, Hawaii’s Better Business Bureau® (BBB) is the local authority on trust in the marketplace. BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. Only businesses and charities that meet and adhere to BBB standards can receive BBB accreditation. Hawaii’s BBB provides objective advice, free business and charity reports, and educational resources on topics affecting marketplace trust. BBB also offers fair and timely dispute resolution programs for consumers and businesses. BBB resources are available online at www.bbb.org.

Secure your ID Day

10/4/2011

Posted on 10/4/2011 by

Secure Your ID Day October 22, 2011
9am - Noon

Fight ID theft with BBB at a FREE shredding event.
Because YOU are your own best defense against identity theft.

The first rule in identity protection: If you don’t need it, destroy it...responsibly. BBB is here to help with our community shredding event, Secure Your ID Day.

On October 22, Hawaii’s BBB along with Access Information Management, Pacific Corporate Solutions and Bank of Hawaii will host an identity theft and fraud protection event at three locations on Oahu: Mililani High School, McKinley High School, and Kailua Elementary.

Bring up to two file boxes or bags of paper documents, CDs and floppy disks that contain information you don't want in the hands of identity thieves, and we’ll shred it for you on the spot—for FREE.

In addition, we will be accepting old cell phones for recycling and laptops, CPUs, and servers for secure hard drive destruction for FREE.

BBB Advises Debit Card Users to be on the Lookout for New Fees

10/3/2011

Posted on 10/3/2011 by
Better Business Bureau is alerting consumers that they may be seeing new fees on their bank statement for using their debit card.

Recent changes in banking laws capped the “swipe fee” that banks can charge retailers for debit transactions. The average fee was 44 cents per transaction, but the new law caps the fee at 21 cents. Banks estimate they will lose hundreds of millions of dollars a year in debit card transaction fees and are looking to recoup that money from customers by modifying various checking account fees.

Some of the nation’s largest financial institutions already have announced a flat monthly fee of $3-$5 for debit card use, although some may go to a per-transaction fee, particularly for infrequent users.

BBB is advising consumers and business owners to be on the alert for notices from their financial institutions about changes in the terms of their accounts. “If you don’t understand a notice you receive or see a new fee on your account statement that you weren’t expecting, contact your financial institution and ask for an explanation,” said Council of Better Business Bureaus spokesperson Katherine Hutt.

Account holders may want to ask their bank if there are programs to waive the fee for accounts with a minimum balance. It also pays to shop around; some financial institutions may keep no-fee debit cards.

For more consumer information you can trust, visit www.bbb.org/us/bbb-news.

Recent Popular Tweets and Links from Hawaii's BBB on Twitter

9/30/2011

Posted on 9/30/2011 by

The recent popular tweets and links from Hawaii’s BBB on Twitter:

Consumer Alert: Cell Phone Security http://ow.ly/6JY1Y

RT @FTCgov Did you buy EasyTone or RunTone shoes? Here’s info on how to get your refund: go.usa.gov/8yL

The Website’s Cool. But Is It Safe? http://ow.ly/6HVxG via @bbb_us

Got a hot investment opportunity? Run it through the FINRA Scam Meter first: http://ow.ly/6GGzx

Vetting the Lender http://ow.ly/6DlgB

BBB Seminar w/ @supergeeks Topic: "SEO" On-page, off-page, and everything in between http://ow.ly/6CmQO

Hawaii's most inquired and complained about industries for the month of August, as well as other Hawaii BBB statistics http://ow.ly/6Cd8L

Heidi Klum Named #1 Riskiest Celebrity Search http://ow.ly/6Bjdf

BBB Advice on Student Data Security -http://ow.ly/6zUZB

Spot a Scam? Report it! bbb.org/blog/2011/09/s

#Warning —#Scam spreading: "Facebook to start charging" do not click bit.ly/oGEg4j

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

BBB Seminar - Search Engine Optimization

9/22/2011

Posted on 9/22/2011 by

BBB SEMINAR – Search Engine Optimization

On-page, off-page, and everything in between

Ever wonder why your business doesn't show up at the top of the results of search engines like Google® or Bing™, Yahoo!®? Many businesses who are high on the results list have specifically crafted their sites to get found by these engines—and, as a result, by the consumers who use search engines every day to make purchasing decisions. The process of tailoring your site is called "Search Engine Optimization" (SEO) and can deliver real results for your business.

James Kerr, Chief Geek of SuperGeeks, demystifies the process talking about all that stuff on the page, off the page and everything in between.

Friday, October 7 2011
11am-12pm
1132 Bishop St. Suite 615.
Honolulu, HI. 96813

Pastries and other refreshments provided

BBB Accredited Businesses $25
Non BBB Accredited Busiensses $35

Seats are limited
Reserve yours by calling 808-628-3907
or
Email us if you have any questions about the event.

Hawaii's BBB Activity Report for August 2011

9/22/2011

Posted on 9/22/2011 by

Most AskedAbout Businesses

Types of Business	Inquiries
General Contractors	1625
Roofing Contractors	1163
Plumbing Contractors	1158
Travel Clubs	1110
Pest Control Services	1108
Electricians	1032
Solar Energy Products Installation Contractors	888
Travel Agencies & Bureaus	849
Auto Body Repair & Painting	829
Wedding Consultants	772

Most Complained AboutBusinesses

Type of Business	Complaints	Resolution Rates
Travel Clubs	12	43.75%
Auto Dealers - New Cars	11	100%
Restaurants	5	77.78%
Toys - Retail	5	66.67%
Auto Renting & Leasing	5	100%
Towing - Automotive	5	100%
Airlines	5	100%
Charity - Local	5
Plumbing Contractors	4	100%
Art Galleries, Dealers & Consultants	4	0%
Hotels	4	66.67%
Sweepstakes	4	0%

Analysis of data for August 2011:

Overall volume of activities compared toprevious month (Compared to August 10):

Web Traffic: 7% increase (66% increase)
Complaint Opened: 1% increase (5% increase)
Requests for information:7% decrease (62% increase)
Requests for BBB Accredited Business lists: 13% decrease (15% increase)
Total BBBOnLine Seal Clicks (including seal clicks from Dynamic seal) for Hawaii Participants: 4% increase
Request A Quote requests: 98% increase

BBB Advice on Student Security - What Every College Student Should Know

9/20/2011

Posted on 9/20/2011 by

BBB Advice on Student Security – What Every College Student Should Know

As college students get settled on campus, fighting fraud may not be at the top of their list of priorities. College students are susceptible to identity theft, however, Hawaii's Better Business Bureau recommends that they take seven simple steps to protect themselves on campus.

In 2010, 8.1 million Americans – or 3.5 percent of the population – became victims of identity theft, according to the 2011 Identity Fraud Survey conducted by Javelin Strategy & Research and sponsored by BBB. The average mean cost of identity theft is $631 and the average time to resolve identity fraud is 33 hours – valuable study time.

“Friendly fraud” accounts for 14 percent of all ID theft crimes. This means that new roommates and friends have just as much potential of being as dastardly as a foreign-based scam artist phishing on the Internet. And identity thieves – friend or foe – think nothing of dumpster diving (or rifling through unattended trash cans) for unshredded paperwork or even taking mail from unlocked mailboxes (or off a desk). They can even cruise social networking sites looking for some personal tidbit that can unlock a wealth of information elsewhere.

“In this day and age, you must be cautious with how you treat your personal information,” said Dwight Kealoha, president and CEO of Hawaii’s Better Business Bureau. “It’s extremely important for students to be attentive to their bank and credit card statements to spot unauthorized activity. Sign up for security alerts on your accounts and have them sent to your mobile phone so you’ll know if any changes have been made to your account.”

BBB recommends that college-bound students take the following seven steps to fight identity theft on campus:

Send sensitive mail to your parents’ home or a post office box. School mailboxes are not always secure and often can be accessed easily in a dorm or apartment.

Important documents should be stored under lock and key. This includes your Social Security card, passport and bank and credit card statements. Shred credit card offers and any paper documents that have sensitive financial information rather than just tossing them out.

Never lend your credit or debit card to anyone. Just say no if your friend wants to borrow your card or asks you to co-sign 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.

Check out unfamiliar websites with the BBB. 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. You are entitled to one free report a year from each of the three reporting bureaus: TransUnion, Experian and Equifax. Look for any suspicious activity or inaccuracies. You can do this for free by visiting www.annualcreditreport.com.

Post 9/11 Giving

9/14/2011

Posted on 9/14/2011 by

When the events of September 11, 2001 transpired, I was still living in Denver, I was clueless about the nonprofit sector, and our current forms of communication were just starting to become part of everyday life. At that time, I was making a living painting custom homes and still two years away from taking a position as a charity regulator for the State of Colorado. I remember the usefulness of the Internet being limited to emailing pictures of my kids to family in Hawaii and that I still had to pull the antenna out of my cell phone before I made a call. Looking back, I don’t remember anyone fundraising or donating via the Internet and I would have been bewildered if someone asked me to text a donation.

But as we all know, things changed after 9/11, including the way we donate after national and global crises. According to Una Osili, Ph.D., Director of Research at Indiana University’s Center on Philanthropy, the attacks were the beginning of philanthropic responses on national and international scales, of organized philanthropy around disasters. Not that it was the first time in history we were asked to respond to a crisis, but it was the first time we had a venue through which we could globally broadcast need, solicit donations, and organize long-distance partnerships.

Because of the messages we were able to get out over the Internet, more than 70 percent of American households gave to 9/11 relief efforts, with individual giving accounting for 61 percent of the $1 billion plus that was raised by the Red Cross in the year after. Most telling is that just three years later, 30 percent of American households gave in response to the Indian Ocean tsunami, an amount of giving to an international disaster probably unheard of prior to the Internet. In addition, there was an increase in corporate giving, which accounted for more than 25 percent of the money raised by the Red Cross after 9/11, and heightened cooperation among businesses, government agencies, and charities responding to large-scale disasters.

In the years after our nation’s most tragic event, we were able to take the philanthropic lessons learned - how need is communicated and donations are stewarded - and apply them to subsequent natural disasters. With the 2004 Indian Ocean tsunami, Hurricane Katrina in 2005, and the 2010 earthquake in Haiti, the awareness and response has incrementally multiplied. This year, with ability to donate by text or via the Internet on our phones, the Hawaii Japan-America Society of Hawaii received $3.5 million in donations and the Hawaii chapter of the American Red Cross another $4.6 million from Hawaii residents and businesses to help with tsunami relief efforts in Japan.

In addition, charities realized they needed a way to make services more accessible to people and they needed to become partners with the broader nonprofit community to meet that need. One example was nonprofits active in disaster response, like the Red Cross, Catholic Charities, United Way, and Salvation Army, partnering to create the Coordinated Assistance Network, a system that allows nonprofits to share information so clients only have to tell a case worker their story once, instead of each time they visit a service provider.

Ten years later, we not only remember the lives that were lost, but also reflect on the ways the nonprofit sector learned to use technology to meet the needs of our neighbors, here and abroad, and to bring our country and the world closer together.

Hawaii's BBB Charity Guy

The week's most popular tweets and links from Hawaii's BBB on Twitter:

9/9/2011

Posted on 9/9/2011 by

The week's most popular tweets and links from Hawaii's BBB on Twitter:

Something fishy? Got ripped off? Use "I want to report a scam" & tell us: http://ow.ly/6klx0

BBBOnLine's search engine helps you find trustworthy sites for shopping online http://ow.ly/6klza

Virtual Offices — Imparting Stature or Deception? bbb.org/blog/2011/09/v… via @bbb_us

Many Hawaii residents are still being solicited by fraudulent mortgage audit companies - don't fall for their scam! http://ow.ly/6mZz

BBB Seminar - Advances in Technology, What Every Business Owner Should Know http://ow.ly/6n2rk

New fake coupons circulating for several popular items. See the ones not to use or accept: http://ow.ly/6qpy4

If you're a victim of credit card fraud, use BBB’s 4-step plan to address the issue ASAP: http://ow.ly/6qp4J

Spot a new Scam? Report it at BBB Scam Source http://ow.ly/6okXh

The Fed has 5 Tips for Shopping for a Mortgage: bit.ly/5EFPNE

Many businesses out there claiming they can reduce yourmortgage payment - be careful when dealing with these type of companies http://ow.ly/6mZzf

Have a great customer service story you want to share? We would love to hear about it http://ow.ly/6qciG

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

BBB Advice for Making “Golden” Gold Transactions

9/8/2011

Posted on 9/8/2011 by

BBB Advice for Making “Golden” Gold Transactions

September 8, 2011 – Honolulu, HI – As global markets are currently seeing rapid declines, worried investors are seeking safe havens for their funds. Many are looking to new investment plans to help their money grow. With the price of gold at an all time high of more than $1,700 per ounce, Better Business Bureau is advising consumers to do their homework before making tempting gold transactions.

Whether through an online venue, an at home “gold party,” or your local jeweler, many consumers are looking to sell their gold jewelry for some quick cash. However, not just any dealer can be trusted. In just this year alone, BBB has already received more than 500 complaints against gold, silver and platinum dealers, a number that is well on its way to reaching 2010’s 581 total complaints.

“Consumers need to be on the lookout for not so reputable sellers,” said Dwight Kealoha, CEO of Hawaii’s Better Business Bureau. “Many of the complaints we receive stem from false advertising and delivery issues where the consumer ends up being appraised far less than what they thought their gold was worth.”

BBB recommends following these tips to ensure a “golden” gold transaction:

Find a trustworthy appraiser. For an appraisal, if possible, go to someone locally whom you know and trust. Always check with BBB first at www.bbb.org. BBB suggests obtaining two or three appraisals to compare prices, prior to any sale.

The true price of gold may not be what you receive. If gold is worth $1,700 per ounce, you aren’t going to be paid $1,700 for every ounce of gold you have. Ask what you will be paid (if an online company, make sure you ask for specifics and give details on items you’ll be sending). Understand that the ounce quote is for pure gold only. For instance, 14-karat gold is composed of just 58.5 per cent gold. Ask how much the company’s going rate is for each ounce of each karat you are sending. The lower the karat, the less the gold content.

Don’t let jewelry of different karat value be weighed together. Some dealers will weigh all jewelry together and pay you for the lowest karat value. Separate your jewelry by karat value before attending a gold party.

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.

Know the terms and conditions when sending items by post. 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.

Ask about the company’s guarantee if you are not satisfied with the price offered. Can you get your product back, if you return the check? Many companies melt down the items in 10–14 days. If you send the check back, send it “return receipt requested,” so you have proof when it arrived at the company.

Join us on September 16th - BBB Seminar - Advances In Technology, What Every Business Owner Should Know

9/6/2011

Posted on 9/6/2011 by

Advances In Technology, What Every Business Owner Should Know

Blockbuster,Borders, Nokia, Sony...The business landscape is littered with companies that failed to harness rapidly changing technologies. In today’s competitive industries, businesses must continuously find ways to retain current clients while honing an edge that makes them appealing to new customers. This is especially true in these tough economic times.

Learn what's happening in the tech world today, so your business will remain competitive tomorrow. Speaker James Kerr, CEO of SuperGeeks will share his insights and expertise on what every business owner should know.

Friday September 16^that 11am

1132 Bishop Street,Suite 611

Honolulu, HI. 96813

BBB Accredited Business – 25 dollars

Non-BBB Accredited Businesses – 35 dollars

Seats are limited for this event – Please call 808-628-3951 and reserve your seat.

Or email us if you have any questions.

The week's most popular tweets and links from Hawaii's BBB on Twitter:

9/2/2011

Posted on 9/2/2011 by

The week's most popular tweets and links from Hawaii's BBB on Twitter:

Consumer Countdown: Willie Nelson, AT&T Mergers and More http://ow.ly/6kkc4

FDIC Consumer Alerts - August 30, 2011: E-mail Claiming to Be From the FDIC - August 30, 2011 the...1.usa.gov/p8GL2w

Junk mail in the trash is gold to ID thieves. Shred it before tossing it & register to reduce how much you get: http://ow.ly/6eaXk

Sprint raises early termination feeshttp://ow.ly/6iY7A

One Day’s Worth of Scam Callsbbb.org/blog/2011/08/o

Sprint raises early termination feeshttp://ow.ly/6iY7A

These Checks Are Realbbb.org/blog/2011/08/t

Wal-Mart’s Movie Download Service Continues to Growbbb.org/blog/2011/08/w

TechCrunched: The Week’s Top Tech News In 90 Seconds via @TechCrunch techcrunch.com/2011/08/27/tec

Free self-paced courses from @SBAgovSmall Business Training Network:bit.ly/6y9pbq

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

“Shield” Yourself from a Cell Phone Radiation Scam

8/30/2011

Posted on 8/30/2011 by

“Shield” Yourself from a Cell Phone Radiation Scam

Scammers are always looking to make a quick buck, and with consumers concerned about harmful exposure to cell phone emissions, many scammers are looking to promote “shields” that can protect from the cancer causing waves. 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 advising consumers to turn to free options when limiting 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. While it is always good to protect yourself from potentially harmful emissions, there are other ways to do it besides investing in a shield for your cell phone. The FTC even notes that these so-called “shields” may even interfere with your cell phone’s reception.

“Leave it to scammers to jump on the latest scientific frenzy,” said Dwight Kealoha, president and CEO of Hawaii’s Better Business Bureau. “It’s important for consumers to do their research before investing in any too good to be true technology. More times than not, victims will end up with a faulty product that, in many cases, doesn’t actually do any good.”

BBB and the 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.hawaii.bbb.org and for more tips specific to cell phone emission, visit www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt109.shtm.

Nigerian Letter Scams (The 419 Fraud)

8/26/2011

Posted on 8/26/2011 by

One of the nation's longest-running scams is taking on new twists. Known as Nigerian letter scams, these "fund transfer" frauds reach intended victims by fax, letter or e-mail. The sender, who claims to be a government official or member of a royal family, requests assistance in transferring millions of dollars of excess money out of Nigeria and promises to pay the person for his or her help. The message is always of an urgent, private nature.

Those willing to assist are asked to provide their banking account number (for "safekeeping" the funds) and Social Security number, birth date, or other personal information. Or, they are asked to send money to the letter-sender for taxes and various fees. Victims never see their money again, and the con artist obtains the ability to empty their bank account and/or steal their identity.

Folks laugh at the insanity of falling for such a fraud, but the FBI reports annual losses of millions of dollars to these schemes.

Variations of this con are attracting the attention of a new batch of victims. Hawaii’s BBB advise people to be leery of the following:

Beneficiary of a will: An e-mail claims that you are the named beneficiary in a will, to inherit an estate worth a million or more. Your personal financial information is needed to "prove" that you are the beneficiary and to speed the transfer of your inheritance.
Bogus cashier checks: People who have advertised an item for sale on the Internet are contacted by an interested buyer from Africa or another country, who sends a counterfeit cashier check or international money order for an amount much larger than the asking price. His explanation varies as to why the amount is that large. Nonetheless, the seller is asked to deposit the check into their banking account, and wire the difference to the purchaser. Those victims that do not wait for the bank to verify the legitimacy of the check, and wire the money as requested, can end up losing thousands of dollars. Be aware that it can take a week or more for banks to receive word that a check is fake.
Donation solicitations: Some e-mails request "donations" to fight an evil government or dictatorship in Africa. The sender requests the recipient's bank account in order to withdraw the donation directly from the bank and obtain immediate access to the "much-needed" contribution.
Fake Web sites: The scam artist sets up a fake online bank and "deposits" the millions of dollars referenced in his pitch. When the victim starts expressing doubt about the existence or size of the fund transfer that is to take place, he is directed to the site, which shows a multi-million dollar deposit.

Consumers can take steps to protect themselves against the Nigerian letter scam and its variations.

If you receive a letter from Nigeria, or any other country, asking you to send personal or banking information, do not reply! The BBB suggests you immediately delete or throw away any such correspondence.
Ignore individuals representing themselves as foreign government officials asking for your help in placing large sums of money in overseas bank accounts.
Be leery when strangers are eager to place unexpected, large amounts of money at your disposal, in exchange for your bank account number or other personal or financial information.
Cashier checks and money orders can be counterfeit. When a stranger sends a check or money offer to purchase a product or service from you, consult with your bank about the time it will take to verify the check, and wait for the funds to clear.

Established in 1945, Hawaii’s Better Business Bureau® (BBB) is the local authority on trust in the marketplace. BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. Only businesses and charities that meet and adhere to BBB standards can receive BBB accreditation. Hawaii’s BBB provides objective advice, free business and charity reports, and educational resources on topics affecting marketplace trust. BBB also offers fair and timely dispute resolution programs for consumers and businesses. BBB resources are available online at bbb.org.

BBB Advises Homeowners on Mold Must-Knows

8/25/2011

Posted on 8/25/2011 by

BBB Advises Homeowners on Mold Must-Knows

Many homeowners are looking for remedies for dealing with the aftermath of the devastating floods that have hit so many homes around the country. While a little part of the water damage picture, mold can be an ever growing, pesky problem that, if not taken care of quickly, can last forever. Better Business Bureau, along with the Environmental Protection Agency (EPA) are advising homeowners to be proactive when it comes to dealing with mold and mildew.

When looking to eradicate mold, homeowners may choose to either tackle the problem on their own or consult the expertise of a contractor. Either way, BBB advises that, it’s important for homeowners to do their research. According to the EPA’s Mold Guide, the many types of mold may begin growing indoors when mold spores land on surfaces that are wet. Mold can grow on any kind of wood, paper, carpet, and food.

“In 2010, the BBB system received nearly 30,000 inquiries on mold and mildew exterminators,” said Dwight Kealoha, president and CEO of Hawaii’s Better Business Bureau. “As mold can ultimately destroy anything that it lands on, it’s important to act smart and fast.”

While homeowners should always avoid handling and touching mold without wearing proper gloves, there are also many other things to keep in mind. BBB and the EPA advise homeowners to consider the following:

Know your risks and side effects. There are many health risks associated with mold and mold growth. Many may experience an allergic reaction and other respiratory complaints when mold is present in the home.

Be proactive. The EPA attests that there is no practical way to eliminate all mold and mold spores in the indoor environment. The way to control indoor mold growth is to control moisture. If you notice a leak in your shower faucet or sink, repair it immediately to avoid the ideal habitat for mold. Clean and dry any wet or damp surfaces within 24-48 hours to prevent mold growth. Vent all bathrooms, kitchens and other moisture-generating sources to reduce indoor humidity and prevent mold growth.

Choose wisely when picking a contractor. Some mold eradicators can be imposters. It’s important to check a business’ BBB Business Review at www.bbb.org before selecting a contractor. Ask for referrals from friends and family members and check with at least three contractors before deciding on one. Make sure the contractor has experience cleaning up mold. Check references and ask the contractor to follow the recommendations in EPA’s Mold Remediation in Schools and Commercial Buildings, or other guidelines from professional or government organizations.

BBB Alert - Watch out for False Emails Requesting A BBB Rating Verification

8/25/2011

Posted on 8/25/2011 by

Watch Out for False Emails Requesting a BBB Rating Verification

BBB is cautioning businesses and consumers about an email that is purporting to come from BBB. The email appears to come from a fake BBB address (BBBupdate@post.com) in the Atlanta, Georgia metro area and falsely requests verification and validation of BBB Ratings.

The email message reads, “Our data shows a pending rating or review about you or your business. Derogatory/Negative reviews or ratings can impact you business profile and become permanently visible to customers, clients, vendors, and agencies. CONTACT OUR NOTIFICATION DEPARTMENT IMMEDIATELY FOR VERIFICATION AND VALIDATION OF THIS ALERT.”

BBB wishes to remind all businesses and consumers that we are not conducting a verification request nor are we issuing emails in response to a pending rating or review about you or your business. Should you receive such an email, please disregard its message, and report any information received to BBB’s Scam Portal. CBBB’s Legal Department is working to find out who is behind this and will take all appropriate action to protect its trademark.

Watch Out for False Emails Requesting a BBB Rating Verification

8/18/2011

Posted on 8/18/2011 by
BBB is cautioning businesses and consumers about an email that is purporting to come from BBB. The email appears to come from a fake BBB address (BBBupdate@post.com) in the Atlanta, Georgia metro area and falsely requests verification and validation of BBB Ratings.

The email message reads, “Our data shows a pending rating or review about you or your business. Derogatory/Negative reviews or ratings can impact you business profile and become permanently visible to customers, clients, vendors, and agencies. CONTACT OUR NOTIFICATION DEPARTMENT IMMEDIATELY FOR VERIFICATION AND VALIDATION OF THIS ALERT.”

BBB wishes to remind all businesses and consumers that we are not conducting a verification request nor are we issuing emails in response to a pending rating or review about you or your business. Should you receive such an email, please disregard its message, and report any information received to BBB’s Scam Portal. CBBB’s Legal Department is working to find out who is behind this and will take all appropriate action to protect its trademark.

BBB Activity for the month of July

8/15/2011

Posted on 8/15/2011 by

Most AskedAbout Businesses

Types of Business	Inquiries
General Contractors	1508
Roofing Contractors	1375
Travel Clubs	1348
Plumbing Contractors	1165
Electricians	1095
Travel Agencies & Bureaus	1078
Pest Control Services	1005
Auto Body Repair & Painting	830
Solar Energy Products Installation Contractors	797
Wedding Consultants	789

Most Complained AboutBusinesses

Type of Business	Complaints	Resolution Rates
Travel Clubs	9	44.44%
Restaurants	7	100.00%
Timeshare Companies	7
Toys - Retail	6	77.78%
Real Estate	6	100.00%
Auto Dealers - New Cars	5	100.00%
Tape Recorders - Sound - Supplies & Parts	5
Auto Renting & Leasing	5	100.00%
Airlines	5	100.00%
Auto Dealers - Used Cars	4	100.00%
Appliances - Major - Service & Repair	4	100.00%
Cellular Telephone Service & Supplies	4

Analysis of data for June 2011:

Overall volume of activities compared toprevious month (Compared to July 10):

Web Traffic: 1% increase (48% increase)
Complaint Opened: 16% decrease (4% increase)
Requests for information:9% increase (66% increase)
Requests for BBB Accredited Business lists: 2% decrease (41% increase)

OutreachActivities this month:

Command Financial Specialist (CFS) Training

Tuesday July 26, 2011

Hijackers Use False Protection Claims to Lure Online Shoppers

8/15/2011

Posted on 8/15/2011 by
prepared by the Federal Bureau of Investigation (FBI)

Washinton, DC - The FBI has issued a national press release warning online vehicle shoppers about certain fraudulent vehicle sales and false claims of vehicle protection programs (VPP).

In fraudulent vehicle sales, criminals attempt to sell vehicles they do not own. They create an attractive deal by advertising vehicles for sale at prices below book value. Often the sellers purport they need to sell the vehicle because they are moving for work, to include military deployments.

Because of the alleged pending move, criminals refuse to meet the victim in person or allow a vehicle inspection, and they often attempt to rush the sale. To make the deal appear legitimate, the criminal instructs the victim to send full or partial payment to a third-party agent via a wire transfer payment service and to fax the payment receipt to the seller as proof of payment.

The criminal pockets the payment but does not deliver the vehicle. Criminals also attempt to make their scams appear valid by misusing the names of reputable companies and programs. These criminals have no association with these companies, and their schemes give buyers instructions that do not adhere to the rules and restrictions of any legitimate program. For example, eBay Motors’ VPP is a legitimate program whose name is commonly misused by these criminals.

The VPP is not applicable to transactions that originate outside of eBay Motors, and it prohibits wire-transfer payments. Nevertheless, criminals often promise eBay Motors VPP coverage for non-eBay Motors purchases and instruct victims to pay via Western Union or MoneyGram.

In a new twist, criminals use a live-chat feature in e-mail correspondence and electronic invoices. As live-chat assistants, the criminals answer victims’ questions and assure them the deals are safe, claiming that safeguards are in place to reimburse buyers for any loss. The criminals falsely assert that their sales are protected by liability insurance coverage up to $50,000.

Automotive shoppers should exercise due diligence before engaging in transactions to purchase vehicles advertised online. In particular, shoppers should be cautious of the following situations:

Sellers who want to move the transaction from one platform to another (for example, from Craigslist to eBay Motors).
Sellers who claim that a buyer protection program offered by a major Internet company covers an auto transaction conducted outside that company’s site.
Sellers who push for speedy completion of the transaction and request payments via quick wire transfer payment systems.
Sellers who refuse to meet in person, or refuse to allow the buyer to physically inspect the vehicle before the purchase.
Transactions in which the seller and vehicle are in different locations. Criminals often claim to have been transferred for work reasons, deployed by the military, or moved because of a family circumstance, and could not take the vehicle with them.
Vehicles advertised at well below their market value. Remember, if it looks too good to be true, it probably is.

If you have witnessed this behavior or fallen victim to this type of scam, please file a complaint with the FBI’s Internet Crime Complaint Center, www.ic3.gov.

Business Blogging – Why Every Business Owner Should Do It

8/9/2011

Posted on 8/9/2011 by

Business Blogging – Why Every Business Owner Should Do It

Between Facebook posts and Twitter tweets, it seems like there are a thousand and one ways to communicate virtually these days. However, what many in the business world overlook is blogging. Better Business Bureau is recommending that business owners consider some simple blog implementation strategies to heighten their business’ visibility on the web.

A blog dedicated to the thoughts of a business’ president or CEO or a business’ mission can serve as a meaningful way to attract potential customers – and allow business owners to establish themselves as a thought leader in their respective market(s). Business blogs can be linked from the business’ website, Facebook page and Twitter account and are a great way of sharing the longer, more thought provoking messages.

According to a recent survey by HubSpot, 57% of companies using blogs reported that they acquired customers from leads generated directly from their blog. They go on to find that businesses are now in the minority if they do not blog. From 2009 to 2011 the percentage of businesses with a blog grew from 48% to 65%.

So what’s so great about a blog? “A blog gives a president or CEO the chance to communicate in more of a dialogue-like setting with their constituents,” said Dwight Kealoha, president and CEO of Hawaii’s Better Business Bureaus. “Limited characters and space can confine a message in some settings. A blog allows for a full message to be shared and can even be catered towards targeted audiences.”

BBB recommends that business owners consider the following when implementing a blog for their business:

Heightened visibility is always a plus. When you blog, you get more eyes on your business and increase your search engine optimization (SEO).

Voicing your passion gets your customers noticing. Letting your customers see how and why your business came about and sharing what it is you love about doing what you do is a great way to make a connection with your audience. With (almost) no length limits, a blog is a great platform to share exactly what it is that makes your business different from the rest.

A blog can serve as a great networking tool. A blog is a great place to inspire your constituents and build a subscriber base. By giving your voice a platform and reaching out to other fellow business bloggers, you have the ability to establish a solid business-to-business network.

Score a Job - Not a Scam

8/3/2011

Posted on 8/3/2011 by

Score a Job – Not a Scam: BBB Advises Job Hunters to be on the Lookout for the Growing Number of Phony Job Postings

Honolulu, HI. August 3, 2011 - Looking for a job? You’re not alone. With unemployment at a soaring rate of 9.2%, according to the U.S. Bureau of Labor Statistics, many job hunters are turning to online job boards to post their resume and search for jobs. Better Business Bureau is warning job seekers to proceed with caution before sharing their personal qualifications and inquiring about jobs found online.

As much as the Internet has made searching for jobs easier, it also provides an opportunity for ID thieves and scammers to take advantage of eager—and unsuspecting—job seekers. It’s becoming more and more common for scammers to lure in potential candidates with phrases like, “Get rich quick – without even leaving your home!” all in the hopes of getting their personal information. Craigslist, Monster.com, Careerbuilder.com and now even Facebook are all breeding grounds for scammers and the like.

“Job seekers need to be on the lookout for potential scams. Before posting your resume to a career site or inquiring about a job, make sure you know with whom you are dealing,” said Dwight Kealoha, president and CEO of Hawaii’s Better Business Bureaus. “Many job scammers are having candidates set up direct deposit accounts as part of the application process and making it seem as though it’s naturally part of the process to get an interview—when it’s absolutely not.”

BBB advises job hunters to be on the lookout for these red flags when conducting their job search:

Employer emails are rife with grammatical and spelling errors. Most online fraud is 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.

Emails purporting to be from job posting websites claiming there’s a problem with a job hunter’s account. After creating a user account on sites like Monster.com, Careerbuilder.com or Craigslist.com, a job hunter might receive an e-mail saying there has been a problem with their account or they need to follow a hyperlink to install new software. Phishing e-mails like this are designed to convince readers to click a link within the message to fix the issue, but actually take them to a website that will install malware or viruses on their computer.

An employer asks for extensive 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 or excuse given by the employer, a job applicant should never give out his or her Social Security or bank account numbers over the phone or e-mail.

An employer offers the opportunity to become rich without leaving home. While there are legitimate businesses that allow employees to work from home, there are also a lot of con-artists trying to take advantage of senior citizens, stay-at-home moms, students and injured or handicapped people looking to make money 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 Hawaii.bbb.org.

An employer asks for money upfront. Aside from paying for a uniform, it is rarely advisable for an applicant to pay upfront fees or make a required purchase to get a job. Recently Hawaii’s BBB has received complaints to where job con-artists were asking for banking information and requiring the consumer to give out this sensitive information in order to be hired.

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 experience in order to lure unsuspecting job hunters into their scam.

The job requires the employee to wire money through Western Union or MoneyGram. Many phony jobs require the prospective 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.

ABOUT HAWAII’S BBB
Established in 1945, Hawaii’s Better Business Bureau® (BBB) is the local authority on trust in the marketplace. BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. Only businesses and charities that meet and adhere to BBB standards can receive BBB accreditation. Hawaii’s BBB provides objective advice, free business and charity reports, and educational resources on topics affecting marketplace trust. BBB also offers fair and timely dispute resolution programs for consumers and businesses. BBB resources are available online at www.bbb.org.

FINRA Foundation and USAA Join BBB Military Line to Bring Financial Literacy and Marketplace Support to Military Families

8/3/2011

Posted on 8/3/2011 by
(ARLINGTON, VA) – BBB Military Line, a financial literacy and consumer protection initiative for military families, gained a new sustaining partner with the announcement that the FINRA Investor Education Foundation will provide additional resources to this important program. USAA Federal Savings Bank has also made a significant commitment to BBB Military Line. These two leading organizations join BBB and McGraw-Hill whose efforts to reach more than 40,000 military families through a full complement of online and onsite financial resources including webinars, mobile applications, workshops and promotions were included in the First Lady and Dr. Biden’s Joining Forces Initiative.

"By supporting BBB Military Line, the FINRA Foundation and USAA Federal Savings Bank are providing resources directly addressing financial literacy and consumer problems that can overwhelm and distract our service members and their families," said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. "BBB Military Line has been working with military families for over seven years and with the support of the FINRA Foundation and USAA Federal Savings Bank, more resources will be available to expand this important mission."

“The FINRA Foundation is proud to partner with BBB Military Line to help protect military families from scams that target the military community. BBB Military Line reaches military servicemembers and their families throughout the United States and will provide the military with the tools and information they need to avoid fraud and make smart financial decisions,” said Gerri Walsh, Acting President of the FINRA Foundation.

“We believe the men and women who protect our freedoms deserve financial tools and education, which is why we provided a contribution to the BBB Military Line,” said David Bohne, President, USAA Federal Savings Bank. “We share a common goal and know that financial readiness equals mission readiness.”

###

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 or contact us if your company is interested in supporting this initiative.

Connect with BBB Military Line on Facebook.

BBB Military Line Contacts:

Rod Davis
SVP, Enterprise Programs
703-247-9367 office
rdavis@council.bbb.org

Brenda Linnington
Director, BBB Military Program
703-247-9335 office
Blinnington@council.bbb.org

Current News Stories Creating Scams On Facebook

7/25/2011

Posted on 7/25/2011 by

BBB provides information obtained from Help Net Security and Sophos to stop consumers from becoming victims of scams from those who would want to profit from recent tragedies.

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 today, 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, at least as far as we know thus far. So if you see the following message on Facebook “[Video] OSLO Security Camera Captures Blast!,” don’t 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.

Facebook users have predictably been targeted with various scams. First came the ones exploiting the Oslo bombing news, and then followed those luring victims in with non-existent videos of the last moments of the famous and recently deceased singer Amy Winehouse.

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 offering a link to the purported video unsurprisingly take users to pages where they are asked to like the page and to take a survey before being allowed to see it.

Scammers are like vultures, feeding off tragedies such as the death of Amy Winehouse or the horrific events in Norway. Scams like this normally lead you to online surveys, with the scammers earning themselves commission for each survey that victims complete. But first they trick you into sharing the link with your other Facebook friends.

If you are one of the people who fell for this type of scam, be sure to remove any trace of it from your account ("Likes and interests" section, for example) and news feed, and to report the scam to Facebook.

Also remember that when it comes to unexpected and often shocking global news, legitimate news sites are always a better source of information than your Facebook friends.

Even when it seems that the offered link is the URL of a legitimate site, it might be better to go to that site by typing in the domain name in and then using the internal search feature in order to find the wanted news item.

BBB Activity Report for June 2011

7/22/2011

Posted on 7/22/2011 by

Most Complained About Industries

Type of Business	Complaints	Resolution Rates
Travel Clubs	13	80.00%
Auto Dealers - New Cars	12	100.00%
Toys - Retail	10	85.71%
Airlines	10	100.00%
Real Estate Agents	9	100.00%
Banks	7	100.00%
Auto Dealers - Used Cars	7	25.00%
Restaurants	7	0%
Vacuum Cleaners - Household - Dealers	6	100.00%
Movers	6	50.00%
Telephone Solicitation Companies	5	-
Hotels	4	80.00%
Towing - Automotive	4	33.33%
Wedding Consultants	4	100.00%

Most Asked About Businesses

Types of Business	Inquiries
Contractors - General	1426
Roofing Contractors	1342
Travel Clubs	1253
Pest Control Services	1061
Plumbing Contractors	961
Electricians	855
Wedding Consultants	834
Travel Agencies & Bureaus	781
Auto Body Repair & Painting	715
Solar Energy Products Installation Contractors	690

Analysis of data for June 2011:

Overall volume of activities compared to previous month (Compared to June 10):

Web Traffic: 17% increase (55% increase)
Complaint Opened: 9% increase (18% increase)
Requests for information:15% increase (53% increase)
Requests for BBB Accredited Business lists: 12% increase (15% increase)
Request A Quote requests: 149% increase

Outreach Activities this month:

Presentation to Organization of Chinese-American Women	Sunday June 12, 2011	30
Presentation to Lanakila Pacific Hale Mahalo	Tuesday June 21, 2011	17

Don’t Fall Victim to Unexpected Cell Phone Data Charges when Traveling this Summer

7/20/2011

Posted on 7/20/2011 by

Don’t Fall Victim to Unexpected Cell Phone Data Charges when Traveling this Summer

Honolulu, HI. – July 19, 2011 - Nowadays, cell phone users are surfing the web, receiving emails and watching movies all on their smartphone with just the click of a button from just about anywhere. However, when traveling abroad, many consumers fail to recognize that their data plan is constantly in use even when they think their phone isn’t. Better Business Bureau is advising consumers to either turn off their phone or make the necessary data arrangements with their cell phone provider to avoid thousands of dollars worth of data charges while traveling abroad this summer.

Last year alone, BBB received more than 27,000 complaints against the cell phone industry, some of which were from customers who were unaware that their data was still in use as they traveled outside of their coverage area or outside of the United States. One particular customer was charged more than $1,200 when his cell phone auto received his emails daily during a one week stay in Jamaica.

According to the Federal Communications Commission (FCC), “roaming” is the term that describes a wireless phone’s ability to make and receive calls outside the home calling area under your service plan. When your phone is roaming, an indicator light on your phone may display the word “roam.” On occasion, your handset will not display a roaming indicator, even though it is in a roaming area. Before traveling abroad or out of your coverage area, it’s important for consumers to be proactive and contact their provider for specific details regarding their individual data and roaming plan.

“Although international roaming charges vary from provider to provider, many travelers are unaware of the extra fees,” said Dwight Kealoha, president and CEO of Hawaii’s Better Business Bureaus. “To prevent the unexpected roaming charges, contact your cell phone provider to clarify where you are covered and the data plans that can be purchased when traveling abroad.”

BBB advises consumers to do the following with their cell phone and cell phone provider in preparation for a trip abroad this summer:

Turn off your phone. If you don’t need your phone and don’t plan on using it while traveling abroad, turn it off. Some travelers opt for renting or buying international cell phones. Many rental plans offer services that work in several countries and may provide free incoming calls.

Contact your cell phone provider. Many cell phone users know not to make calls or send text messages while out of their coverage area or abroad, but many fail to realize that their data is in use even when they don’t think it is. For the occasional traveler, who doesn’t talk on the phone that frequently, it may be worth looking into an international add-on plan. Your cell phone carrier can provide specific tips that cater to the roaming needs of your individual cell phone and data plan.

Invest in a prepaid SIM card. For the frequent, chatty travelers, or long-term travelers, investing in a prepaid SIM card may be the best way to cut costs. With access to a local phone number, you’ll be able to make phone calls at the country’s local rate. Always check with BBB before choosing an international service provider. Many companies offer SIM cards that can be purchased and can include free incoming calls originating from anywhere in the world.

Summer Months Bring Highest Rates of Burglaries -

7/5/2011

Posted on 7/5/2011 by

Summer Months Bring Highest Rates of Burglaries – Is Your Home Secure?

Honolulu, HI. – July 5, 2011 – The summer months are the perfect time for a vacation getaway. Unfortunately, they are also the perfect time for a home robbery. According to the FBI, the summer months of July and August have the highest rates of burglaries. Better Business Bureau is advising homeowners, who are looking to secure their property this summer, to do their research when picking a home security system.

According to an Academic Study of Home and Business Security by Temple University, the Electronic Security Association (ESA) says that homes without security systems are about 3 times more likely to be broken into than homes with security systems. (Actual statistic ranges from 2.2 times to 3.1 times, depending on the value of the home.) Losses due to burglary average $400 less in residences with security systems than homes without alarm systems.

Although no system makes your home completely burglar-proof, a home security system can reduce your chances of being burglarized and give you some peace of mind. In 2010, BBB received nearly 25,000 inquiries from customers asking about burglar alarm systems.

“It’s important to do your homework before you purchase a home security system; treat it the same as you would with any major purchase,” said Dwight Kealoha, president and CEO of the Hawaii Better Business Bureau. “As we have seen recently, there are too many door-to-door salespeople selling home security systems out there that don’t always have your best interest at heart.”

BBB advises consumers to do the following when looking to invest in a home security system:

Choose a professional installer. The best home security system will accommodate your lifestyle and specific valuables you want protected. Carefully consider your security requirements and budget. You may also get recommendation from the insurance company that covers your home. Deal only with reputable firms and check out the company with BBB first.

Contact at least three companies before selecting an installer. Find out if they are properly licensed in your state and if they screen employees before hiring. Make sure to check with the ESA website for a list of member companies throughout the United States who have agreed to abide by the National Code of Ethics.

Ask about all charges up front. Prices for home security systems will vary, based on the level of protection and type of technology used, so be sure to compare apples-to-apples bids on similar systems. Do not forget to factor in the initial installation charge, as well as monthly monitoring charges. Also, talk to your insurance agent; some systems may qualify you for a discount on homeowner's premiums.

Know the ins and outs of your contract. If your alarm system will be monitored, either by your installing company or by a third-party monitoring center, find out the length of the contract. Typically, monitoring contracts are between two to five years in length. 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? These are the types of questions you need to consider before you obligate yourself to a long-term contract.

Insist that the installer "walk" you through your system until you fully understand how it works. This will prevent the most common problem: false alarms. False alarms are an indicator of the quality of the alarm installation and user education. 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.

BBB Consumer Advice: Proceed with Caution Before Investing in Technology Buy-Back Programs

6/28/2011

Posted on 6/28/2011 by

BBB CONSUMER ADVICE: PROCEED WITH CAUTION BEFORE INVESTING IN TECHNOLOGY BUY-BACK PROGRAMS

HONOLULU (June 28, 2011) – Today’s technology is constantly being replaced with updated models that showcase newer, cooler features. To keep up with the latest technology, many consumers are tempted by the increasing number of retailer buy-back programs. Better Business Bureau advises consumers to weigh the pros and cons of the program before parting with their money.

Typical programs come in the form of a one-time fee that is acquired at the time of the original gadget purchase. To avoid falling short of the latest technology, many consumers opt-in to a buy-back program to ensure that their gadget doesn’t fall victim to digital dust. As long as your gadget is in good condition, many buy-back programs allow you to trade-up items such as your cell phone, laptop, tablet, and television for a percentage of its current value. Usually, this credit will come in the form of a gift card that can be used toward the purchase of a newer model.

“If you are an individual that likes to say on top of the latest and greatest technology, then a buy-back program may be for you,” said Dwight Kealoha, CEO of Hawaii’s BBB. “But, as with anything else, you should do your research to find out if the program is worth the cost.”

BBB recommends that consumers weigh the pros and cons before participating in a retailer’s buy-back program:

Buy-back programs can provide a sense of insurance on your product. Buy-back programs essentially guarantee a resale value, meaning they act as insurance against loss of value. But like any insurance policy, its true value can become nominal and hard to define. Before becoming a member of a buy-back program, make sure to read the fine print. Many buy-back options have conditions and constraints that could ultimately keep you from being able to sell back your used gadget.

Remember that the interest of the retailer is usually at heart. In exchange for your old gadget, your return will come back in the form of a gift card more times than not .The plan and gift card mean you are locked into using the issuing retailer for your next technology purchase. Not to mention, that you may end up paying triple the sales tax when all exchanges are said and done. While sales tax rules vary from state to state and buy-back programs vary from program to program, you are the one responsible for paying the tax. By paying the tax once when you buy the gadget and again when you return it, and then again when you use the gift card, you could end up paying triple the tax in the end.
Gadget-buy backs are not ideal for the forgetful or the disorganized. If you haven’t saved your original receipts, power cords and manuals, you could be at a loss or your payout could be less than expected. Most buy-back programs insist that the original items be brought back to the store at the time of the exchange.

Mobile phone contracts are not covered. When you purchase a new phone and add the retailer’s buy-back program, you can resell your phone back to the retailer for the agreed upon dollar amount. But, keep in mind that even when you sell your phone back to the retailer, your cell phone provider will keep billing you for the duration of your contract.

You can compromise your identity. Before selling your electronics back to the retailer take care of your personal data. Many electronic items such as your smartphone or laptop can hold a ton of personal information. If this information gets into the wrong hands, your identity could be compromised. Be sure to fully wipe out all personal data.

You could get more for your electronic gadgets elsewhere. Reselling electronics is not new. Many consumers use sites like eBay and Craigslist to sell their gadgets. In most instances you could get more for your electronics by using these sites than opting for a retailer’s buy-back program.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news.

ABOUT HAWAII’S BBB
Established in 1945, Hawaii’s Better Business Bureau® (BBB) is the local authority on trust in the marketplace. BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. Only businesses and charities that meet and adhere to BBB standards can receive BBB accreditation. Hawaii’s BBB provides objective advice, free business and charity reports, and educational resources on topics affecting marketplace trust. BBB also offers fair and timely dispute resolution programs for consumers and businesses. BBB resources are available online at www.bbb.org.

BBB Advice on Avoiding Wedding Scams this Summer

6/21/2011

Posted on 6/21/2011 by

BBB ADVICE ON AVOIDING WEDDING SCAMS THIS SUMMER

HONOLULU (June 21, 2011) – This summer, love is in the air as many soon-to-be brides prepare for their long-awaited wedding day. With excitement and nervousness every bride deserves to have their big day go off without a hitch. When preparing for the day of your dreams, BBB advises brides to proceed with caution when it comes to buying a wedding dress online, choosing a photographer and selecting a wedding planner.

Doing your research and asking for referrals can make all the difference in helping your special day go as smoothly as possible. Last year alone, BBB received more than 970 complaints against wedding related services. Services like wedding planners, bridal shops, car or limousine rentals, DJs, wedding photographers, florists, and jewelers all topped the list. Many of the common complaints were centered on the company’s unwillingness to honor cancellation and refund policies after a deposit had been paid.

From choosing a florist to picking out the perfect wedding gown, more and more soon-to-be brides are opting for online retailers. While most venues have the brides’ best interest at heart, it’s important to recognize the red flags before shelling out the cash.

“With today’s wedding averaging around more than $28,000, there’s not a penny left to gamble on unreliable venders,” said Dwight Kealoha CEO Hawaii’s BBB. “Before securing your wedding services and paying any upfront fees it’s important for all newlyweds to do their research.”

BBB recommends that newlyweds consider the following when planning for their special day:

Research all online vendors. When choosing to go with an online retailer for your wedding services or products start with a trusted site rather than shopping with a search engine. Search results can often lead you to unscrupulous websites or phishing scams. Also, look for the BBB seal and other widely-recognized “trustmarks” on retail websites. Click on the seals to confirm they’re valid. Confirm that your online purchase is secure. Look for the “s” after “http” in the URL or the lock symbol in the lower right-hand corner of the screen. Be sure to check the company out with BBB before doing business with them.

Review all terms and conditions. Whether you’re dealing with a company online or in-person, review all terms and conditions carefully. What is the company’s refund and exchange policy? What is their cancellation policy? What happens if the company can’t hold up their end of the bargain? Who will perform the service on your special day? Be sure you understand your rights as a consumer before doing business with the company.

Keep documentation of your order. For online orders, save a copy of the confirmation page or e-mails confirming the order until you receive the item or service and are satisfied. If you’re dealing with a company face-to-face, be sure to get all details in writing, including specific dates, products, prices, cancellation and deposit policies and signatures from both parties.

Pay with a credit card. Credit cards offer consumers the added protection of disputing any charge over $50 within 60 days of the purchase. Most established businesses accept major credit cards, so use them whenever possible, including payment for deposits. Shoppers also have dispute rights if there are unauthorized charges on the card, and many card issuers have “zero liability” policies if someone steals your card number and uses it. Never wire money.

Consider purchasing wedding insurance. Wedding insurance can cover a range of prospective problems including vendor no-shows, cancellations, inclement weather, military deployment, medical emergencies, travel delays and more. Many policies start at $200 and can potentially save you thousands of dollars.

For more consumer tips you can trust, visit www.bbb.org/us/bbb-news.

ABOUT HAWAII’S BBB
Established in 1945, Hawaii’s Better Business Bureau® (BBB) is the local authority on trust in the marketplace. BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. Only businesses and charities that meet and adhere to BBB standards can receive BBB accreditation. Hawaii’s BBB provides objective advice, free business and charity reports, and educational resources on topics affecting marketplace trust. BBB also offers fair and timely dispute resolution programs for consumers and businesses. BBB resources are available online at www.bbb.org.

BBB Activity Report for May 2011

6/20/2011

Posted on 6/20/2011 by

Most Asked About Businesses

Types of Business	Inquiries
General Contractors	1705
Roofing Contractors	1479
Travel Clubs	1077
Plumbing Contractors	1070
Pest Control Services	942
Burglar Alarm Systems - Dealers, Monitoring & Service	844
Electricians	832
Solar Energy Products Installation Contractors	792
Wedding Consultants	784
Charity - Local	771

Most Complained About Businesses

Type of Business	Complaints	Resolution Rates
Day Spas	14	0%
Construction & Remodeling Services	13	0%
Toys - Retail	10	86%
Auto Dealers - New Cars	8	100%
Restaurants	8	60%
Airlines	8	80%
Hotels	7	75%
Banks	5	0%
Property Management	5	0%
Cellular Telephone Service & Supplies	5	100%
Travel Clubs	5	100%
Plumbing Contractors	4	67%
Internet Marketing Services	4	-

Analysis of data for May 2011:

Overall volume of activities compared to previous month (Compared to May 10):

Complaint Opened: 20% increase (21% increase)
Requests for information:16% decrease (63% increase)
Requests for BBB Accredited Business lists: 13% increase (33% increase)
Report provided via mobile device: 35% increase. (352% increase)

Securing Your Child's Identity

6/14/2011

Posted on 6/14/2011 by

SECURING YOUR CHILD’S IDENTITY: ADVICE THAT EVERY PARENT NEEDS TO KNOW
*Helpful Tips from Hawaii’s BBB*

HONOLULU (June 14, 2011) – Hundreds of online businesses are finding inactive Social Security numbers online –most of which are assigned to children under the age of 18 who have not started using them yet - and selling them under different names to help people establish fake credit. The scheme may lead to significant debts for children that might be almost impossible to pay off. Better Business Bureau is warning parents to be on the lookout for the signs that point to their child’s identity being compromised or stolen.

For adults, last year alone, 8.1 million Americans became victims of ID theft, resulting in the loss of $37 billion, according to a 2011 report from Javelin Strategy and Research. While this number is exuberantly high, NBC TODAY reports that it becomes harder to define how many children are actually affected by identity theft because of the fact that most cases go undiscovered for years. However, an identity theft monitoring company, Debix, found an alarming 4,000 cases of tainted identities, out of only 40,000 children.

“It’s freightening to think that your child or even unborn child’s identity could be comprised for the sole reason that they have clean record,” said Dwight Kealoha, CEO of Hawaii’s BBB. “It is extremely important that parents take the necessary precautions to ensure the safety of their child’s precious and helpless identity.”

BBB urges parents to follow these important steps to secure their child’s identity:

Be aware of how to obtain your child’s credit report. Getting access to your child’s records is actually a different process than obtaining your own. Your child’s report cannot be obtained using the congressionally mandated free credit report website when under the age of 13 and even sometimes for children ages 14 to 18. For parents with children under the age of 13, the easiest way to obtain your child’s records is through Trans Union. According to NBC TODAY, if Trans Union says there is no report, odds are good that your child is in the clear. But if there is a report — or you have a specific reason to believe your child is a victim — you'll want to follow up with the nation's other two major credit bureaus — Experian and Equifax — and get a report from them, too.

Recognize the signs of trouble. Watch out for red flags that indicate there might be a problem, such as your son or daughter receiving pre-approved credit card offers or calls from collection agencies.

Know what to do if you suspect that your child has fallen victim. According to the FTC, every parent should check their child’s credit report on their 16th birthday. It’s not good to check it too often, but checking then leaves sufficient time to fix errors and activity before their child goes off to college and tries to obtain financial aid. If suspicious activity arises, parents must contact all three credit bureaus and request a report immediately. Placing a credit freeze should be considered based on Hawaii’s credit freeze law.

For more information on securing your identity, visit www.bbb.org/us/bbb-news/.

ABOUT HAWAII’S BBB
Established in 1945, Hawaii’s Better Business Bureau® (BBB) is the local authority on trust in the marketplace. BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. Only businesses and charities that meet and adhere to BBB standards can receive BBB accreditation. Hawaii’s BBB provides objective advice, free business and charity reports, and educational resources on topics affecting marketplace trust. BBB also offers fair and timely dispute resolution programs for consumers and businesses. BBB resources are available online at www.bbb.org.

Don't Fall Victim To HIigh-pressure Magazine Sellers At Your Door This Summer

6/7/2011

Posted on 6/7/2011 by
DON’T FALL VICTIM TO HIGH-PRESSURE MAGAZINE SELLERS AT YOUR DOOR THIS SUMMER

HONOLULU (June 7, 2011) – Better Business Bureau receives 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. 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. So far this year, BBB has already received 662 complaints about door-to-door magazine sellers and dealers, a number that’s well on its way to toping last year’s nearly 1,200 complaints. These high-pressure sellers use tactics that can have anyone falling victim.

“With the summer months are sure to bring an eager group of door knockers from all trades to your door,” said Dwight Kealoha, CEO of Hawaii’s BBB. “Most complaints against door knockers selling magazine subscriptions allege that sales representatives took their check and the magazines never arrived, while some complainants also allege being subjected to high-pressure and misleading sales tactics.”

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

Listen carefully and be aware of high-pressure sales tactics. Some unscrupulous door-to-door sellers will put pressure on you to close the deal at that moment, and even make special offers to entice you. Listen to their tone. Are they increasing in volume as they speak to you? Are they ignoring you despite saying you are not interested? Find a way to end the conversation quickly to avoid long, drawn-out pressure sales pitches.

Stand strong. Do not invite unsolicited salespeople into your home. If you do allow a salesperson inside and decide during the presentation that you are not interested in making a purchase, simply ask him or her to leave. If the salesperson refuses to leave, threaten to call the police, and follow through if they don’t leave immediately.

Verify the individual and the company. If you are interested in buying from a door-to-door seller, get everything in writing including price, warranty and all other conditions. Tell the salesperson you will check it out and get back to him or her. Ask for a business card and contact information. Look the company up yourself and verify that this person is an employee. Also, take the time to check out the company’s BBB Business Review at www.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.

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

ABOUT HAWAII’S BBB
Established in 1945, Hawaii’s Better Business Bureau® (BBB) is the local authority on trust in the marketplace. BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. Only businesses and charities that meet and adhere to BBB standards can receive BBB accreditation. Hawaii’s BBB provides objective advice, free business and charity reports, and educational resources on topics affecting marketplace trust. BBB also offers fair and timely dispute resolution programs for consumers and businesses. BBB resources are available online at www.bbb.org.

BBB Travel Tips to Ensure A Safe and Timely Flight

5/31/2011

Posted on 5/31/2011 by

BBB TRAVEL TIPS TO ENSURE A SAFE AND TIMELY FLIGHT

HONOLULU (May 31, 2011) – With summer just around the corner, many consumers are beginning to plan their vacation getaway. While dreaming of their fun-filled trip, many travelers fail to factor in the uncertainties that come with flying, such as unpredictable weather patterns, aviation system issues, maintenance or crew problems into their travel plans. BBB, along with the U.S. Department of Transportation, are advising vacationers to plan ahead when traveling this summer to ensure safety and timeliness.

“While Hawaii residents may be well-versed in air travel to the neighbor islands, summer vacations often mean heading to the mainland, so it’s important for travelers to be aware of their flight options,” said Dwight Kealoha, CEO of Hawaii’s BBB. “With the burden and chaos that can come from a delayed or cancelled flight, it’s important for travelers to plan ahead and know their options.”

The U.S. Department of Transportation (DOT) advises consumers to be proactive when it comes to planning a getaway trip. According to Bureau of Transportation’s 2011 Statistics, 25.5 percent of all flights were reported to be not on time.

BBB and the U.S. Department of Transportation advise travelers to do the following when booking and securing their flights this summer:

The early bird gets the flight. When booking your flight, remember that a departure early in the day is less likely to be delayed than a later flight, due in part to the “ripple” effects of delays throughout the day. Also, if an early flight does get delayed or canceled, you may have more rerouting options. If you book the last flight of the day and it is canceled, you could get stuck overnight.

Know your rights with a canceled flight. If your flight is canceled, most airlines will rebook you on their next flight to your destination on which space is available, at no additional charge. If this involves a significant delay, find out if another carrier has seats and ask the first airline to endorse your ticket to that carrier. Unfortunately, the law requires compensation only when you are “bumped” from a flight that is oversold. Airlines almost always refuse to pay passengers for financial losses resulting from a delayed flight.

Secure your payment. Consider paying by credit card, which provides certain protections under Federal credit regulations. For example, in all recent airline bankruptcies passengers who had charged their fare and were not provided service were able to have their credit card company credit their account for the amount of the fare.

For more travel tips, visit www.bbb.org/us/consumer-tips-travel.

ABOUT HAWAII’S BBB

Organization Celebrates May as military Appreciation Month

5/24/2011

Posted on 5/24/2011 by

HAWAII’S BBB OFFERS PROGRAMS FOR MILITARY MEMBERS AND DEPENDENTS YEAR-ROUND

*Organization Celebrates May as Military Appreciation Month*

HONOLULU (May, 24 2011) – As all branches of the U.S. Armed Forces have a presence in Hawaii, almost every resident has a connection to our military either directly or indirectly or through personal or professional relationships. Did you know that:

The military is Hawaii’s largest employer with more than 18,000 civilian employees, in addition to its 40,000 active, reserve and National Guard personnel.
Hawaii is the Pacific headquarters for all five branches of the armed services responsible for operations, including peacekeeping, humanitarian assistance, disaster relief, and battle operations in the region.

As we celebrate Military Appreciation Month in May, Hawaii’s BBB encourages everyone to extend their aloha to our servicemen and women and their families by sending a card, letter or care package to those overseas; volunteering at a Veterans’ hospital; or making a donation to a trustworthy Veterans’ charity. Of course, a simple face-to-face mahalo would also be appreciated.

The BBB Foundation of Hawaii (BBBF) supports our military personnel year-round in Hawaii through various consumer education programs including:

BBB Military Line, which enables our military service men and women to find trustworthy local businesses and charities, file complaints against unethical businesses, and stay abreast of any scams targeted at the military.
Presentations at the Warfighter and Family Services Center at Schofield Barracks.
Participating in financial fairs at Marine Corps Base Hawaii and Joint Base Pearl Harbor-Hickam.

For more information on the BBB’s military programs, scam alerts and smart shopping tips or finding a trustworthy business or charity, visit www.hawaii.bbb.org or call 536-6956; neighbor islands call toll-free at 1-877-222-6551.

ABOUT HAWAII’S BBB

BBB Activity Report for April 2011

5/18/2011

Posted on 5/18/2011 by

Most Asked About Businesses

Types of Business	Inq
General Contractors	1226
Travel Clubs	1065
Roofing Contractors	1001
Plumbing Contractors	902
Charity - Local	868
Wedding Consultants	830
Pest Control Services	806
Electricians	793
Solar Energy Products Installation Contractors	673
Travel Agencies & Bureaus	564

Most Complained About Types of Businesses

Type of Business	Complaints	Resolution Rates
Airlines	11	100%
Auto Dealers - New Cars	9	83.33%
Cellular Telephone Service & Supplies	7	100%
Wedding Consultants	5	66.67%
Auto Dealers - Used Cars	4	100%
Day Spas	4	-
Travel Agencies & Bureaus	4	100%
Travel Clubs	3	100%
Storage Units - Household & Commercial	3	-
Timeshare Companies	3	100%
Auto Repairing - Foreign	3	-

BBB Consumer Services

Complaints opened: 227
Requests for information: 46,276
Requests for BBB Accredited Business lists: 9,298
Requests for Quotes:135

Helping Small Business Owners Manage Credit Wisely

5/17/2011

Posted on 5/17/2011 by

Media Contact BBB:
Kelsey Owen 703-247-9376

Media Contact Capital One:
Pam Girardo, 703-720-2351

HELPING SMALL BUSINESS OWNERS MANAGE CREDIT WISELY
**BBB and Capital One Managing Credit – Made Simpler Partnership to offer businesses tailored advice and easy-to-follow tips online for free**

Arlington, VA (May 17, 2011) – In an important contribution to National Small Business Week, Better Business Bureau and Capital One Financial Corp. have partnered to create a unique set of free resources to help small businesses learn how to effectively use and manage their credit. Recognizing that not every credit cardholder is the same, BBB and Capital One are pleased to announce the addition of a new free online Guide with tips and useful advice to help meet the unique credit and money management needs of small businesses.

“Faced with the realities of the economic downturn, many of Hawaii’s small businesses have been forced to take a second look at their finances, including examining their spending habits and how they use credit,” said Dwight Kealoha, CEO of Hawaii’s BBB. “It’s important for small business owners to regularly examine their business’s finances, including how and why they use credit. BBB’s Managing Credit – Made Simpler provides easy-to-follow tips, checklists, and advice compiled to help small businesses better handle and successfully build their business’s credit record.”

Most small business owners understand the need to manage credit effectively, however there is no “one size fits all” model of how to do it. Managing Credit – Made Simpler provides a clear set of guidelines that will help them make wise decisions on their small business credit and identify strategies to help small business owners take charge of their business’s financial condition.

“Used wisely, credit can be an invaluable tool. Small business credit cards can provide much-needed cash flow, and many business cards offer special record-keeping resources and valuable rewards programs that really make a difference,” said Rajsaday Dutt, Senior Director, Capital One’s Small Business Card division. “Armed with basic information about credit, including understanding of card agreements and knowing what's expected of business cardholders, small business owners can make better choices about how they’re using their cards. Our goal is to empower small business owners to take control of their finances and benefit from card features that can really work for their business.”

The new guide, Managing Credit — Made Simpler: Small Businesses, is available at www.bbb.org/credit-management and includes practical advice and checklists to help small business owners choose the right type of card to meet their business needs. The guide outlines some of the most common features, benefits, and issues to consider before choosing a card, including:

Expense tracking. Most business cards provide expense reports that are divided into categories and make it easy to track your spending and report expenses for your taxes. You may be able to import the information into your accounting and tax software.
Higher limits. A business credit card may offer higher spending limits than a personal card, which can help with monthly cash flow. It is also important to separate your business from your personal expenses to simplify reporting.
Cards for employees. Many business cards allow multiple employee cards on your account with pre-set spending limits, which helps build business credibility and simplifies expense tracking and travel reimbursement.
Helps build your business credit record. A good history managing a business credit card can help you build your business credit record and improve your profile when applying for a business loan and line of credit.
Added protection. A business credit card may also provide travel insurance and auto rental insurance for you and your employees.
Special perks. The business card may offer airport lounge memberships, concierge services, and other special benefits.
Extra benefits. Most business cards offer rewards programs or cash rebates.

BBB and Capital One created Managing Credit – Made Simpler to give customized credit management guidance to different types of credit users, based on their specific needs and perspectives. Small business owners will now have a variety of topics to choose from that will all cater to the needs of running a successful small business. Topics include strategies to pay off balances faster, choosing the right kind of card for your business, how to improve a business’s credit score, strategies to leverage cash and credit, and fraud prevention guidelines.

All of the resources and guidance made available through Managing Credit – Made Simpler can be found online for free at www.bbb.org/credit-management/.

For more information or to schedule an interview, please contact Kelsey Owen with BBB at 703-247-9376 or kowen@council.bbb.org; or Pam Girardo with Capital One at 703-720-2351 or pam.girardo@capitalone.com.

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. The first BBB was founded in 1912. Today, 122 BBBs serve communities across the U.S. and Canada, providing trustworthy consumer and small business advice in addition to evaluating and monitoring more than four million local and national businesses and charities. Visit www.bbb.org for more information.

About Capital One

Capital One Financial Corporation (www.capitalone.com), headquartered in McLean, Virginia, is a Fortune 500 company with approximately 1,000 branch locations primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia, and the District of Columbia. Its subsidiaries, Capital One, N.A. and Capital One Bank (USA), N. A., offer a broad spectrum of financial products and services to consumers, small businesses and commercial clients. Capital One continuously invests in programs that help children, teens, and adults to increase their money management skills through participation in innovative, interactive learning opportunities. Visit www.capitalone.com/financialeducation for more information.

BBB ADVICE ON CHOOSING THE RIGHT DRIVING SCHOOL

5/17/2011

Posted on 5/17/2011 by

BBB ADVICE ON CHOOSING THE RIGHT DRIVING SCHOOL

HONOLULU (May 17, 2011) – While a scary but exciting time, having your eagerly awaiting teenager soon to be behind the wheel is one that comes with lots of necessary preparation. When choosing a driving school for your soon-to-be driver, Better Business Bureau urges both parents and students to make smart, informed decisions.

A driver education course is designed to teach new drivers fundamental skills and basic knowledge about driving a motor vehicle. However, in the last two years, BBB has received more than 700 complaints nationally against driving instruction with complaints ranging from no shows to customer service and sales practices.

“Consumers need to do their research before choosing a driving school,” said Dwight Kealoha, CEO of Hawaii’s BBB. “Parents and students alike should check with the Department of Motor Vehicles to learn more about all of the necessary requirements and to verify the driving school instructor’s license status.”

BBB recommends the following when choosing a driving school in your area:

Check it out. For information on driving schools in Hawaii, start your search at the Hawaii BBB's website for a free BBB Business Review that will help you make informed decisions.

Ask around.Call several schools to find out about the course schedules, fees and registration procedures that they offer. Neighbors and friends can be a great resource, as well. Ask for references from previous students of the school. Remember, price is not the sole factor in choosing a driving school. You must compare instructional quality, class size and behind-the-wheel lessons.

Visit the driving school.Ask to see classrooms and if you could observe part of a course. Ask to see the course book. Is the text up to date? Are there enough textbooks for all students? The ideal course integrates behind the wheel and classroom training. Do not assume that the fastest course is the way to go.

Check the details.Find out if the school has a policy on make-up classes and refunds. Know how to file a complaint against the school and check to see how the school resolves its complaints.

For more information you can trust, visit www.hawaii.bbb.org.

ABOUT HAWAII’S BBB

BBB Wise Giving Alliance, Guidestar USA and Independent Sector Launch Charting Impact

5/17/2011

Posted on 5/17/2011 by
Washington, DC — Today the strategic alliance of BBB Wise Giving Alliance, GuideStar USA and Independent Sector announce the launch of “Charting Impact,” a standard framework for creating reports that enable stakeholders to easily and clearly understand the objectives, benchmarks for progress, and impact of nonprofits and foundations. This sector-wide initiative was developed by nearly 200 leaders to help organizations of all types, sizes, and missions convey their efforts to advance the common good, establishing an industry standard for reporting in-depth mission objectives and results. Charting Impact Reports will be made available for public view through www. chartingimpact.org

“One of many benefits for organizations answering Charting Impact’s questions is that it forces deep, meaningful conversations with stakeholders about the impact the organization has made, will make, and how to bridge the gaps,” said Diana Aviv, president and CEO of Independent Sector. “As we refine the process and share our reports we will undoubtedly unleash new possibilities for innovation, collaboration, and for strengthening our work across the sector.”

The cornerstone of Charting Impact is a series of five questions that encourage strategic thinking and the open sharing of ideas, strategies and results within the nonprofit community. Completing a Charting Impact Report will empower organizations to convey their mission, achievements and goals in a way that encourages donors to channel their resources to organizations that best fit their charitable goals; facilitates strategic thinking about mission, practices and how results are measured; and fosters collaboration and idea sharing within the nonprofit community.

“We have long stood for and applied broad accountability standards that cover far more than financial ratios,” said Art Taylor, president and CEO of the BBB Wise Giving Alliance. “By providing charities a place and structure to share information about their effectiveness, Charting Impact extends still further the resources available to help donors make really informed giving decisions.”

The five questions organizations must answer to complete a Charting Impact Report are:

What is your organization aiming to accomplish?
What are your strategies for making this happen?
What are your organization’s capabilities for doing this?
How will your organization know if you are making progress?
What have and haven’t you accomplished so far?

“Charting Impact reports empower organizations to respond to the specific concerns of donors in one thorough, thoughtful format,” says Bob Ottenhoff, President and CEO of GuideStar USA. “For organizations , the introspection required to fill out the report is designed with results in mind: increased financial support from donors responding to tangible measures of progress.”

Nonprofits and foundations can respond to these five questions using an online interface available at ChartingImpact.org. Each response includes a character limit, encouraging careful, example-filled descriptions of the organization’s achievements to clearly communicate with an audience of donors and other investors without inundating that audience with information. Responding through ChartingImpact.org produces a formatted Charting Impact Report that will be shared publicly on ChartingImpact.org, on GuideStar USA or BBB Wise Giving Alliance profiles, and—in the future—with other websites and information sources. Individual nonprofits and foundations can also share their Charting Impact Report on their own websites.

About Charting Impact
Charting Impact is a collaboratively developed, thoroughly-tested framework that focuses on making nonprofit organizations more effective. It encourages strategic thinking about how an organization will achieve its intended impact. Responding to the five questions shares concise information about that organization’s plans and progress with key stakeholders and the public. For more information, visit ChartingImpact.org

About BBB Wise Giving Alliance
The BBB Wise Giving Alliance seeks to help donors make informed giving decisions and to advance high standards among publicly soliciting charities by producing reports that specify whether the charity meets 20 Standards for Charity Accountability. There is no charge to the charity for the accountability evaluation and the resulting reports are available to the public for free at www.give.org.

About GuideStar USA
GuideStar, www.guidestar.org — the premier source of nonprofit data—connects people and organizations with information on the programs and finances of more than 1.8 million IRS-recognized nonprofits. GuideStar serves a wide audience inside and outside the nonprofit sector, including individual donors, nonprofit leaders, grantmakers, government officials, academic researchers, and the media.

About Independent Sector
Independent Sector is a leadership network for nonprofits, foundations, and corporate giving programs committed to advancing the common good. Our nonpartisan coalition leads, strengthens, and mobilizes the sector; we advocate for public policies that fortify our communities; and we create unparalleled resources so staff, boards, and volunteers can further their missions and increase their impact. http://www.independentsector.org/

Be Wary of Phony Acai Berry Weight Loss Products

5/9/2011

Posted on 5/9/2011 by

BE WARY OF PHONY ACAI BERRY WEIGHT LOSS PRODUCTS WARNS BBB

HONOLULU (May 10, 2011) – In conjunction with the Federal Trade Commission’s (FTC) recent lawsuits on acai berry weight loss products, Better Business Bureau is warning consumers to be wary of phony “news” announcements of free trial offers for online diet pills.

According to the FTC, millions of consumers are being lured to websites that imitate those of reputable news organizations. The “reporters” on these sites have supposedly done independent evaluations of acai berry supplements, and claim that their products cause major weight loss in a short period of time with no diet or exercise. In reality the websites are deceptive advertisements placed by third-party or “affiliate” marketers. The websites are aimed at enticing consumers to buy the featured acai berry weight-loss products. These fake news operations are the subject of a nationwide law enforcement initiative.

Ubiquitous deceptive online ads for the acai berry weight loss products can be found posing to be from popular outlets like ABC, Fox News, CBS, CNN, USA Today and Consumer Reports. According to the FTC, the defendants collectively have paid more than $10 million to advertise their fake news sites, and have likely received well in excess of that amount in ill-gotten commissions.

In 2010, the FTC filed an action against acai berry marketer Central Coast Nutraceuticals which has an F rating with BBB. According to the more than 2,800 complaints to the Central, Northern and Western Arizona BBB the company deceptively marketed acai berry supplements as weight-loss products, and “colon cleansers” along with a variety of refund and exchange issues.

“Fighting deceptive free trial offers online continues to be a game of whack-a-mole,” said Dwight Kealoha, CEO of Hawaii’s BBB “Just as soon as one company is put out of business, it’s replaced by another with the same model of ripping consumers off under the guise of a no-risk free trial offer.

“Before signing up for any free trial offer, read the fine print carefully and always check the company out with BBB. You’ll save time and money by avoiding the hassle and recurring charges of some unscrupulous offers,” added Kealoha.

Consumers who believe they have been misled by a free trial offer can file a complaint online with the BBB at www.bbb.org.

ABOUT HAWAII’S BBB

2011 BBB Torch Awards Honors Businesses and Organizations for Trustworthy Practices.

4/29/2011

Posted on 4/29/2011 by

2011 BBB TORCH AWARDS HONORS BUSINESSES AND ORGANIZATIONS FOR TRUSTWORTHY PRACTICES
**KHON2 ActionLine Volunteers Recognized for 25 Years of Consumer Advocacy Efforts**

HONOLULU (April 28, 2011) – Hawaii’s Better Business Bureau® (BBB) today announced the recipients of the 2011 BBB Torch Awards before a capacity crowd of business, civic and nonprofit leaders. Aloha Air Cargo, The Audio Visual Company, Talk Story Bookstore, and the Kauai Independent Food Bank were named winners by this year’s judges. KHON2’s ActionLine volunteers were also honored for their 25 year commitment towards consumer advocacy.

“Companies and organizations who are doing right by their consumers, employees, vendors and, in the case of public charities, donors, need to be honored and celebrated; the BBB Torch Awards allows us to do just that,” said Dwight Kealoha, CEO of Hawaii’s BBB. “Trustworthy and ethical business practices are a win-win for everyone. This year’s BBB Torch Awards finalists and winners demonstrate that upholding the BBB’s ethical standards is a hallmark of successful companies and organizations.”

2011 BBB Torch Award recipients in each category are:

Public Charity – Kauai Independent Food Bank.
The organization was cited for its clear understanding of its mission and integration into the community, not a stand-alone agency. The judges were impressed with its resourcefulness as well as its ability to collaborate with other organizations on all levels. Above all, the Kauai Independent Food Bank not only meets the standards set by the BBB – it exceeds them.

Other finalists included MADD Hawaii and the United States Navy League.

Small Business – Talk Story Bookstore
This Kauai-based store was recognized for being a business that delivers true value to its customers and not just a product or service. The judges were impressed how it reached out to all generation, socio-economic groups and the community at large.

Other finalists in the Small Business category were event planning and production company Current Affairs and The Wedding Ring Shop.

Medium Business – The Audio Visual Company
The Audio Visual Company impressed the judged with its long term, sustained activities to improve customer service. The company’s multiple third party assessments of its ethical standards and performance speak volumes of its corporate culture and values.

Human resources outsourcing agency Hi HR and furniture maker and retailer Martin & MacCarthur were the other category finalists.
Large Business – Aloha Air Cargo
Aloha Air Cargo was honored for its ability to use adversity to motivate growth and improvement. The judges applauded the organization’s commitment to instilling values in employees at all levels, which helped foster trust building and integrity.

Other finalists in the Large Business category were Prudential Locations and the Sheraton Waikiki.

The KHON2 ActionLine volunteers received the BBB Ka Mea o Kako‘o award. The award honors individuals who have made significantly advanced marketplace trust by their demonstrated commitment to consumer advocacy, protection or education. The volunteers were recognized for their work over the last 25 years, helping consumers throughout the state in solving a wide variety of problems they’ve encountered with businesses, service providers and government agencies.

Established in 1945, the Better Business Bureau® of Hawaii (BBB) is a nonprofit organization that sets and upholds high standards for fair and honest marketplace behavior. BBB provides objective advice, free business and charity reports, and educational information on topics affecting marketplace trust. BBB also offers complaint and dispute resolution support for consumers and businesses

BBB Urges Consumers to Make Smart Solar Energy Investments

4/26/2011

Posted on 4/26/2011 by

BBB URGES CONSUMERS TO MAKE SMART SOLAR ENERGY INVESTMENTS

HONOLULU (April 26, 2011) – With Hawaii’s year-round warm weather and many consumers looking to stick to a budget when making home improvements, many are turning to green solar energy as a solution. BBB advises consumers to be smart about investing in any home improvement project.

Solar energy scams are no exception when it comes to the typical contracting scam. Fraudulent contractors prey on those who are unfamiliar with their product. They may show up at your door, advertise in local papers or deliver fliers to your home. Like the typical contracting scam, solar paneling scams can range anywhere from issues with the installation and costs to the actual solar panels themselves.

Consumers need to know how solar energy works and how the benefits will affect them before investing $5,000 to $60,000 in any solar energy products. There are many state and federal rebates that offer a reduction in the initial costs. However, consumers who opt for a “greener” remodel need to be weary of the less-than-reputable and unqualified contractors that breeze into town promising a variety of “green” services at cut-rate prices. Consumers need to find an installer that is trustworthy and knowledgeable on the benefits of solar energy.

“As with any kind of home improvement contractor, consumers need to be cautious of installers that promise too-good-to-be-true offers,” says Dwight Kealoha, CEO of Hawaii’s BBB. “It pays to look beyond the lowest bid when selecting a contractor.”

Hawaii’s BBB recommends considering the following before investing in solar energy:

Determine if solar energy is right for you. Due to the high costs associated with the initial investment of solar power, it is important to conduct a self energy audit to determine if solar energy is right for you. Usually, if your monthly bill is less than $100, consider other ways to save energy that cost less.

Consider all the costs associated with solar energy. Ask about all the costs associated with the maintenance and upkeep of the system. Determine if the benefits and savings outweigh the costs over the long run.

Stay informed about state and federal incentive programs. Depending on your location, state and federal programs can save you as much as 50 percent on installation costs. Be sure to understand the terms and conditions of the incentive programs and conduct your own research prior to signing a contract with an installer. For the latest information on state programs, visit http://www.dsireusa.org/.

Be cautious of installers that promise no out of pocket costs prior to reviewing your specific situation. Be leery if an installer suggests obtaining credit for the full amount of the system even though they are promising very low or no costs due to rebates.

Understand how your solar energy works. You can take full advantage of the benefits in solar energy once you know how it works. For instance, panels facing south with no shade obstructions receiving maximum sun exposure during the hours of 9 a.m. and 3 p.m., will provide the greatest percent of energy. Significant savings occur when you have excess energy that is not consumed by your household. This excess energy can then be credited to your utility bill, saving you money.

Make sure the roof of your home is equipped to sustain a solar panel system. Even though a properly installed solar system will not damage your roof, make sure your roof is in good condition before you begin the installation to avoid any future problems.

For more advice you can trust and information you need for hiring the right contractor for your home improvement projects, go to www.bbb.org.

ABOUT HAWAII’S BBB

Activity Report for March 2011

4/22/2011

Posted on 4/22/2011 by

A monthly summary of activities at Hawaii's BBB

Most Complained AboutBusinesses

Type of Business	Complaints	Resolution Rates
Auto Dealers - New	14	66.67%
Cellular Telephone Service & Supplies	10	-
Travel Clubs	6	66.67%
Toys - Retail	5	83.33%
Hotels	5	100%
Airlines	5	100%
Furniture - Retail	4	50%
Television Stations & Broadcast Companies	4	100%
Newspaper Distributors	3	-
Movers	3	100%
Vacation Rentals	3	100%
Timeshare Companies	3	100%
Health & Medical - General	3	100%
Auto Repair & Service	3	100%
Auto Dealers - Used	3	100%
Banks	3	100%
Painting Contractors	3	100%

Most AskedAbout Businesses

Types of Business	Inquiries
General Contractors	1376
Travel Clubs	1249
Roofing Contractors	908
Plumbing Contractors	865
Travel Agencies & Bureaus	836
Solar Energy Products Installation Contractors	780
Electricians	755
Wedding Consultants	755
Charity - Local	678
Pest Control Services	673
Auto Body Repair & Painting	662

BBBConsumer Services
Complaintsopened: 261
Requests for information*: 47,915

Requests for BBB Accredited Business lists:9,586

Total BBBOnLine SealClicks for Hawaii Participants: 3,305

Requestsfor Quotes: 138

BBB Accreditation

New BBB Accredited Businesses: 23

Declined Applications: 1

RevokedAccredited Businesses: 0

New BBBOnLineparticipants: 63

New BBB Accredited Charities: 0

Visitors to Hawaii’s BBB Web site: 38,271

BBB advises consumers on handling debt collectors - both legitimate and phony

4/19/2011

Posted on 4/19/2011 by

BBB ADVISES CONSUMERS ON HANDLING DEBT COLLECTORS BOTH LEGITIMATE AND PHONY

HONOLULU (April 19, 2011) – Debt collectors may be legitimately contacting consumers who owe money or are behind on their bills to pay off debts. The BBB warns consumers, however, that phony debt collectors are lurking. In a recent release of the top complaints reported to the Better Business Bureau, collection agencies ranked fifth in number of complaints received. With more than 15,000 complaints, consumers need to be aware of the best practices for when it comes to handling debt collectors.

Debt collectors seek to reclaim funds on past-due accounts on behalf of creditors, businesses or individuals. But, sometimes the "debt collector" calling turns out to be an identity thief who is trying to get you to divulge personal or financial information, such as your Social Security, bank and credit card numbers. Oftentimes, scammers will impersonate legitimate debt collectors to dishonestly obtain financial information. These fraudulent calls can be harassing and threatening.

“Consumers need to know the red flags for fraudulent debt collectors,” says Dwight Kealoha, CEO of Hawaii’s BBB. “If the collector refuses to reveal the name of their agency or demands that the payments be made in cash or money transfer only, consumers need to report this immediately.”

It’s important for consumers to verify the alleged debt before taking action. BBB recommends doing the following:

Request written proof. Get documentation to help determine if the callers are actually identity thieves or if a debt is actually owed. By law, a debt collection agency must provide a validation notice within five days of contacting you about the debt. Within 30 days of receiving their validation notice, send the debt collector a written request to further verify the debt details. Do not provide personal or financial information unless the validity of the debt and the debt collector has been confirmed.

Verify the legitimacy. Get the debt collector's name and contact information to research the agency further. Search online to see if they have a website or a BBB Business Review at www.bbb.org. Crosscheck contact information and call them using a phone number from a public or online directory. Verify that the representative who called is affiliated with the agency.

Avoid phony calls. Be wary if the debt cannot be verified or if no documentation is received. Advise them to stop contacting you and register with the National Do Not Call Registry at www.DoNotCall.gov or 888-382-1222.

If you do not owe the alleged debt, BBB recommends doing the following:

Don't ignore the collector. It is best to respond immediately, even if you don't believe the debt is yours. Otherwise, the collector may continue contacting you or file a judgment.

Don't pay. Do not claim a debt that isn't yours or make a payment on a bill just to make the collector "go away." Even just one payment can indicate that you are accepting the full responsibility of the debt. The invalid debt could also reflect as a liability on your credit report.

Contest errors. If no debt is confirmed, contact any involved parties to clear up inaccuracies on your credit report, such as: the debt collector; the creditor or company claiming unresolved accounts; and the major credit bureaus. Write a detailed letter and include supporting documents to prove your case. The Federal Trade Commission provides additional resources for reporting errors.

Check for identity theft. If contacted by a collection agency regarding erroneous bills or debts, it could be an indication of identity theft; an imposter may be using your identity to make purchases, open accounts and obtain credit. Review your credit report to quickly identify fraudulent activity or make corrections; visit www.annualcreditreport.com for a free yearly credit report and get FTC advice for Resolving Specific Identity Theft Problems relating to debt collectors.

BBB recommends doing the following for debt you do owe:

Know your responsibilities. It is not against the law for a debt collector or creditor to contact you regarding unpaid debts. Try working with them to resolve issues. Discuss doing payment plan and request obligations in writing.

Complain about abusive practices. Report harassment, threats and other violations of federal telemarketing laws to the FTC. File a BBB complaint if you believe a debt collector is acting unethically. Also, research state laws on debt collectors, which may vary.

Stop collector calls. According to federal law, a debt collector cannot continue to contact you—at work or home—if you tell them to stop. Write a letter stating not to contact you anymore. Save a copy of the letter then send the original via certified mail and request a return receipt. If a debt is owed, the collector or creditor can still take legal action to collect funds and may contact you to inform you of their action.

Seek help for debt. Try using BBB's free online program Managing Credit – Made Simpler.

ABOUT HAWAII’S BBB

Established in 1945, Hawaii’s Better Business Bureau® (BBB) is the local authority on trust in the marketplace. BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. Only businesses and charities that meet and adhere to BBB standards can receive BBB accreditation. Hawaii’s BBB provides objective advice, free business and charity reports, and educational resources on topics affecting marketplace trust. BBB also offers fair and timely dispute resolution programs for consumers and businesses. BBB resources are available online at www.bbb.org.

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

4/15/2011

Posted on 4/15/2011 by

THE MCGRAW-HILL COMPANIES AND BBB MILITARY LINE
JOIN TO BRING FINANCIAL LITERACY TO MILITARY FAMILIES

ANNOUNCEMENT COMES AS FIRST LADY OBAMA AND DR. BIDEN LAUNCH "JOINING FORCES" INITIATIVE

(NEW YORK, NY AND ARLINGTON, VA, APRIL 15, 2011) -- As part of First Lady Michelle Obama and Dr. Jill Biden’s “Joining Forces" initiative, McGraw-Hill (NYSE: MHP) and Better Business Bureau 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 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."

###

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

BBB Military Line is a Better Business Bureau 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 BBBs 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.

The past week in tweets from Hawaii's BBB

4/13/2011

Posted on 4/13/2011 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

· PwC India affiliates settle with SEC, PCAOB over audit failures:http://ow.ly/4tKa7

· 55,000 pounds of frozen turkey burger recalled: http://ow.ly/4uvSJ

· When to NOT use your debit card: http://ow.ly/4vujC

· Practical tips to help you be on guard against online fraud, secure your computer & protect your personal info: http://ow.ly/4wr2H

· Join Booz Allen Hamilton, HMSA, ING Direct and Servco for a panel discussion and find out why trust is such a hot topic:http://ow.ly/4wqix

· MoneyWise offers free, multilingual financial education resources:http://ow.ly/4wqQ3

· We're here to help whenever you need us & wherever you are. Check out a business from your cell: http://ow.ly/4wqxb

· BBB’s online video library has hundreds of business and consumer tips: http://ow.ly/4qROr

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

The past week in tweets from Hawaii's BBB

4/13/2011

Posted on 4/13/2011 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

· PwC India affiliates settle with SEC, PCAOB over audit failures:http://ow.ly/4tKa7

· 55,000 pounds of frozen turkey burger recalled: http://ow.ly/4uvSJ

· When to NOT use your debit card: http://ow.ly/4vujC

· Practical tips to help you be on guard against online fraud, secure your computer & protect your personal info: http://ow.ly/4wr2H

· Join Booz Allen Hamilton, HMSA, ING Direct and Servco for a panel discussion and find out why trust is such a hot topic:http://ow.ly/4wqix

· MoneyWise offers free, multilingual financial education resources:http://ow.ly/4wqQ3

· We're here to help whenever you need us & wherever you are. Check out a business from your cell: http://ow.ly/4wqxb

· BBB’s online video library has hundreds of business and consumer tips: http://ow.ly/4qROr

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

The past week in tweets from Hawaii's BBB

4/13/2011

Posted on 4/13/2011 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

· PwC India affiliates settle with SEC, PCAOB over audit failures:http://ow.ly/4tKa7

· 55,000 pounds of frozen turkey burger recalled: http://ow.ly/4uvSJ

· When to NOT use your debit card: http://ow.ly/4vujC

· Practical tips to help you be on guard against online fraud, secure your computer & protect your personal info: http://ow.ly/4wr2H

· Join Booz Allen Hamilton, HMSA, ING Direct and Servco for a panel discussion and find out why trust is such a hot topic:http://ow.ly/4wqix

· MoneyWise offers free, multilingual financial education resources:http://ow.ly/4wqQ3

· We're here to help whenever you need us & wherever you are. Check out a business from your cell: http://ow.ly/4wqxb

· BBB’s online video library has hundreds of business and consumer tips: http://ow.ly/4qROr

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Holding Raffles in Hawaii

4/12/2011

Posted on 4/12/2011 by

Holding Raffles in Hawaii:
Why your charity’s or school’s fundraiser may be illegal
-Hawaii’s BBB Charity Administrator

Raffles aren’t new. Recently, the Forbes Foundation Hawaii made headlines by announcing they would raffle a new home. Just the other night, my children came home with instructions to sell raffle tickets as part of their school’s latest fundraiser. Many of us don’t think twice when we run into fundraisers selling raffle tickets.

But while the hearts of the people behind the fundraisers are in the right place, what charities, schools, and many others may not realize is that raffles are illegal in Hawaii.

Under Hawaii Revised Statutes § 712-1220(6), raffles are considered a type of lottery and a lottery occurs when participants are required to pay a set price to participate in a drawing or other game of chance with the expectation that they may win a prize or reward. According to state law, a lottery is a gambling scheme and gambling is illegal here.

The good news is that a charity or school can move their raffle out of the statutory definition of lottery by eliminating either the Consideration or the Reward.

Consideration can be eliminated by removing a set price to participate. Participants can be asked for a donation to participate, but the donation amount cannot be set, and participants must be allowed to play for free. Or Reward can be eliminated by removing the prize. Participants can pay a set price to participate in the drawing or other game of chance, but with the understanding that there will be nothing of value to receive if they are the winning participant.

A raffle also moves outside the definition of lottery if it is part of another fundraising event for which there is a charge to participate. For instance, if a charity or school were holding a fundraising dinner event or dinner show or silent auction for which they sold tickets to, they could hold a raffle as part of the evening’s events as long as participation in the raffle does not require additional or separate payment by the participant.

Times are hard and some revenue streams have decreased for charities and schools across the board. It is still critical for fundraising organizers to be aware of the parameters of the law and ensure that their fundraisers remain within those parameters to ensure complete success.

"Smishing" Scams Targeting Cell Phone Users

3/29/2011

Posted on 3/29/2011 by

“SMISHING” SCAMS TARGETING CELL PHONE USERS WARNS BBB

HONOLULU (March 29, 2011) – A new year means a new scam, this time, targeting cell phone users. Like traditional “phishing,” “smishing” schemers often pose as banks or lottery sweepstakes asking customers to contact them immediately about a pressing issue that needs to be discussed.

Victims of the bank scam are often asked to call a toll-free number and provide information, such as their debit card or account number and password, to a fake automated system. Victims have complained they have received text messages claiming their bank account is frozen with a toll free number to call to clear things up.

“These hackers are looking for you to respond with vital information that can ultimately lead to identity theft,” said Dwight Kealoha, CEO of Hawaii’s BBB. “In the cases of the lottery ‘smishing’ scam, hackers want you to wire over money before receiving your ‘prize,’ one of the biggest red flags of a ‘smishing’ scam.”

Text messages such as “Win cash now!” and “Short on cash? Reply here!” are all red flags that a lottery sweepstakes “smishing” scam is in the midst. Many of these messages come with embedded links that can ultimately spread viruses to the phone if clicked.

Hawaii’s BBB advises consumers to do the following if they suspect they have fallen victim to a “smishing” scam:

Never reply to the text message. Scammers are preying on victims that text back and ultimately verify that the text has been sent to an active cell phone. Never click a link in a message to prevent a possible viral attack on your phone.

Report the text immediately. If you believe you have fallen victim to a “smishing” bank scam, call your bank. They’ll be able to verify if the text is legitimate.

Call your cell-phone provider. Your cell phone provider should be able to block the number, as well as any premium text messages.

Do your research. If you think you’re a victim of a “smishing” lottery sweepstakes scam, contact the BBB to confirm the legitimacy of the text message and file a complaint against the business responsible.

Contact the Federal Trade Commission. The FTC works to legally prevent fraudulent business practices in the marketplace. File a complaint with the FTC by calling 1-877-HELP.

ABOUT HAWAII’S BBB
Established in 1945, Hawaii’s Better Business Bureau^® (BBB) is the local authority on trust in the marketplace. BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. Only businesses and charities that meet and adhere to BBB standards can receive BBB accreditation. Hawaii’s BBB provides objective advice, free business and charity reports, and educational resources on topics affecting marketplace trust. BBB also offers fair and timely dispute resolution programs for consumers and businesses. BBB resources are available online at www.bbb.org.

JAPAN DISASTER RELIEF EFFORTS: AVOID BEING SCAMMED

3/22/2011

Posted on 3/22/2011 by

Honolulu (march 22, 2011) In the wake of the recent tsunami in Japan, many Hawaii residents have been eager to be part of the recovery effort. Our entwined cultures and economies, and our relative proximity to Japan entitle us to lend a hand, like coming to the aid of an injured brother or sister. But this disaster is unique.

Not only is Japan an industrialized nation, they are a world power and are still developing the non-profit sector of their country. How does one help a nation that is not used to being a recipient of disaster relief or needing charity assistance? How does one receive assurance that their donation is being maximized in this specific situation?

The best way for someone to get full value for their donation is to:

· Do the research. Find established and reputable charities that have a history of providing disaster relief. Go to the websites like Hawaii’s BBB, the Hawaii Attorney General, Charity Navigator, the American Institute of Philanthropy, and Guidestar to find your information.

· Ask questions. Don’t fall for high pressure tactics. Find out what percentage of the donation will benefit the relief effort and whether the charity is providing direct aid or raising money for other groups.

· Don’t contribute cash. Make a check or money order payable to the charitable organization, not an individual. Don’t give out credit card or bank account information until all the material from the charity has been reviewed and a decision to donate has been made.

· Be cautious when giving online. Especially in response to spam messages and emails that claim to link to a relief organization. Go directly to a charity’s website. Make sure their online portal is secure. Double check your statement later to make sure the proper amount was deducted.

· Be aware when texting donations. It may be easy, but know that it takes about 90 days for a donation to get to the designated organization. Also, some organizations allow 5-10% of the donation to go to companies that facilitate text donations.

· Give to the charity directly. To avoid scams, contact the charity directly before donating to a door-to-door solicitor or to a public collection container.

· Be wary of names that sound familiar to reputable charities. Scammers typically use a variation of the name of a well-known charity to defraud donors.

· Ask for a receipt. Make sure it shows the amount of the contribution and a statement as to whether it is tax-deductible.

Japan’s recovery is expected to be long and will come at a high cost. Donors should make every effort possible to ensure that donations not only are given to trustworthy charities, but that those charities will leverage donations to get the most value possible for Japan and its people in need.

Hawaii's BBB Activity Report for February 2011

3/17/2011

Posted on 3/17/2011 by

A monthly summary of activities at Hawaii's BBB

Most Complained About Businesses

Type of Business	Complaints	Resolution Rates
Auto Dealers – New Cars	11	100%
Travel Clubs	6	100%
Toys – Retail	6	100%
Airlines	5	100%
Hotels	5	100%
Appliance – Major - Service & Repair	5	100%
Department Stores	5	-
Auto Renting & Leasing	4	100%
Cellular Telephone Service & Supplies	4	100%
Real Estate Brokers	4	100%
Jewelers – Retail	3	100%
Auto Repair & Services	3	100%
Travel Agencies & Bureaus	3	-
Internet Services	3	-
Florists – Retail	3	100%

Top complaint Issues	Complaints
Billing or Collection	24
Refund or Exchange	23
Contract	23
Service Quality	22
Customer Service	21
Sales Practice	16
Repair	15
Delivery	7
Advertising Claim	7
Product Quality	5
Guarantee or Warranty	2

Most AskedAbout Businesses

Types of Business	Inquiries
Travel Clubs	1064
General Contractors	940
Roofing Contractors	860
Travel Agencies & Bureaus	819
Plumbing Contractors	585
Property Management Companies	557
Auto Body Repair & Painting	516
Electricians	513
Wedding Consultants	502
Pest Control Services	499

BBBConsumer Services

Complaintsopened: 240
Requests for information*: 38,019

Requests for BBB Accredited Business lists:7,377

Total BBBOnLine SealClicks for HawaiiParticipants:3,293

Requestsfor Quotes: 108

BBB Accreditation

New BBB Accredited Businesses: 10

Declined Applications: 0

RevokedAccredited Businesses: 0

New BBBOnLineparticipants: 65

New BBB Accredited Charities: 3

Visitors to Hawaii’s BBB Web site: 35,373

Hawaii's BBB Announces 2011 BBB Torch Award Finalists

3/15/2011

Posted on 3/15/2011 by

HAWAII’S BETTER BUSINESS BUREAU ANNOUNCES 2011 BBB TORCH AWARDS FINALISTS

HONOLULU (March 15, 2011) – Hawaii’s BBB, the leader in advancing marketplace trust, has announced the finalists of its 2011 BBB Torch Awards program. Three finalists were selected in the Small Business, Medium-size Business, Large Business and Public Charity categories.

“In a time when consumer trust is fragile, the Torch Awards serves as a reminder that there are businesses and organizations that are honest, dependable, reliable and trustworthy,” said Dwight Kealoha, chief executive officer of Hawaii’s BBB. “This year’s finalists embody the BBB’s mission to advance marketplace trust with consumers and businesses, as well as charities and donors.”

Past BBB Torch Awards recipients judged the entries and selected the finalists. The 2011 BBB Torch Awards finalists are:

Small Business Category (0 - 49 employees): Current Affairs, Talk Story Bookstore, and Wedding Ring Shop
Medium-Sized Business Category (50 – 99 employees): HiHR, Martin & MacCarthur, and The Audio Visual Company
Large Business Category (100+ employees): Aloha Air Cargo, Prudential Locations, LLC, and Sheraton Waikiki
Public Charity Category: Kauai Independent Food Bank, MADD Hawaii and United States Navy League

Winners will be announced at the 2011 BBB Torch Awards Luncheon on Thursday, April 28 at the Hilton Hawaiian Village Resort & Spa.

Individual tickets are $75 for BBB Accredited Businesses and nonprofit organizations, and $95 for all others. Corporate table sponsorships are also available. To purchase tickets or for more information about the BBB Torch Awards, call Hawaii’s BBB at 628-3901, from the Neighbor Islands call toll free at 1-877-222-6551, or visit www.hawaii.bbb.org.

Tsunami Relief Efforts: Do Your Research

3/11/2011

Posted on 3/11/2011 by

HONOLULU (March 11, 2011) – In wake of the most powerful earthquake to ever hit Japan, many of us want to help those impacted by the earthquake and the tsunami that followed. Also, island residents and businesses may have been directly affected by these natural disasters. Hawaii’s BBB warns donors to exercise caution when making donations to relief agencies and charities and reminds the community to be wary of scams by traveling repair crews offering emergency repair services.

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

“In the face of any major natural disaster, many people will immediately step forward with donations to aid the victims and their families,” said Dwight Kealoha, CEO of Hawaii’s BBB. “Unfortunately, there are those who 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 your hard earned money to relief efforts.”

Hawaii’s BBB offers the following advice for donors to ensure their donations go to trust worthy relief efforts:

· Before donating, visit www.bbb.org/charity to research organizations you’re considering supporting.

· Be suspicious 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 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.

· 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 into excessive pressure for on-the-spot donations. Be suspicious of any request to send a “runner” to pick up your contribution.

· Be wary of appeals that are long one motion, 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.

· 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.

During the aftermath of natural disasters, scammers also prey on victims’ urgency to get life back to normal as soon as possible. Traveling repair crews have been knon to offer unsolicited emergency repair services to home owners and businesses following these types of events.

“These repair crews know demand for service will be high and that local, well-established building repair companies will be working their crews around the clock,” added Kealoha. “Some people don’t want to wait for estimates on repairs, so when there is a knock on the door from a repair crew, good consumer and business practices are sometimes forgotten.”

Checking with the BBB on the reliability of any company can provide valuable information on its business history, including: whether the company is a BBB Accredited Business; information its principal officers; business start date; number of complaints; and what to do if you experience a problem.

The BBB offers some tips on how to avoid being the victim of a “fly-by-night” repair crew:

Check with the company’s history by getting a Reliability Report from Hawaii’s BBB.

Avoid conducting business with crews that offer their unsolicited help.
Ask for proof of contractor’s license and insurance coverage.
Ask for identification such as driver’s license. Do not accept business cards or name badges as identification.
Never pay in advance.

For additional information you can trust when making giving decisions or hiring repair crews, start with bbb.org.

ABOUT HAWAII’S BBB

Established in1945, Hawaii’s Better Business Bureau® (BBB) is the local authority on trust in the marketplace. BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. Only businesses and charities that meet and adhere to BBB standards can receive BBB accreditation. Hawaii’s BBB provides objective advice, free business and charity reports, and educational resources on topics affecting marketplace trust. BBB also offers fair and timely dispute resolution programs for consumers and businesses. BBB resources are available online atwww.bbb.org.

Lex Brodie's Tire Company Honored with International Torch Award

3/8/2011

Posted on 3/8/2011 by

LEX BRODIE’S TIRE COMPANY HONORED WITH INTERNATIONAL AWARD FROM BETTER BUSINESS BUREAU FOR EXCELLENCE IN CUSTOMER CARE
**Hawaii-based Company First to Win New Award**

HONOLULU (March 8, 2011) – Honolulu-based Lex Brodie’s Tire Company is among six recipients of the 2011 BBB International Torch Awards in recognition for its outstanding customer care programs announced Hawaii’s BBB today. Lex Brodie’s is the first company to receive the Excellence in Customer Care Award, which will be presented at BBB International Torch Awards celebration in Washington, D.C. on Tuesday, March 22.

“It’s encouraging for our small state to have one of this year’s BBB International Torch Awards winners,” said Dwight Kealoha, CEO of Hawaii’s BBB. “This recognition for Lex Brodie’s demonstrates the level of commitment that Hawaii businesses have to their customers.”

The Excellence in Customer Care Award is awarded to a business in recognition of its commitment to exceptional customer care and ability to improve and modernize its service.The award is presented in partnership with the Society for Consumer Affairs Professionals (SOCAP).

“This award is a reflection of our employees’ high standards for customer service and we share this with each and every one of them,” said Scott Williams, president of Lex Brodie’s Tire Company. “Exceptional customer service is something we strive to improve on each and every day. In our view, if you are not improving every day, then you’re sliding backwards.”

Lex Brodie’s Tire Company’s commitment to outstanding customer service is demonstrated through its Customer Bill of Rights and through a top-down approach to service that extends from senior management to entry-level employees. This approach not only includes making customer service the cornerstone of business for Lex Brodie’s Tire Company, but also empowers employees to do whatever it takes within reason to address customers’ needs. The company sponsors several programs in support of local schools, military, and the community, including its “Thank You…Very Much!” Award, Earn and Learn Recycling Program, Above and Beyond Award, GreenFleet Hawaii, Tread for Bread, ReCycle Energy, the CarPool Challenge and the Institute of Human Services (IHS). Lex Brodie’s Tire Company will celebrate its 50^th anniversary in July 2011. In 2010, the company was selected the winner of the BBB Torch Awards for Medium-Sized Businesses by Hawaii’s BBB.

Other recipients of the 2011 BBB International Torch Award include: Investor Protection Trust President and CEO Don Blandin; Outback Steakhouse; USAA; CustomInk.com; and former Kellogg Company CEO David McKay.

ABOUT HAWAII’S BBB
Established in 1945, Hawaii’s Better Business Bureau® (BBB) is the local authority on trust in the marketplace. BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. Only businessesand charities that meet and adhere to BBB standards can receive BBB accreditation. Hawaii’s BBB provides objective advice, free business and charity reports, and educational resources on topics affecting marketplace trust. BBB also offers fair and timely dispute resolution programs for consumers and businesses. BBB resources are available online at www.bbb.org.

BBB Recommended Top 10 Tax Tips from the IRS

3/8/2011

Posted on 3/8/2011 by
BBB RECOMMENDED TOP 10 TAX TIPS FROM THE IRS

HONOLULU (March 9, 2011) – With April 18th fast approaching, it’s time to start the tax filing process that we all know and love. This tax season, if you are planning to get assistance from a tax preparer or even if you’re planning to do the leg work yourself, Hawaii’s BBB, along with the Internal Revenue Service recommend following these top ten tax filing tips.

1. Start gathering your records: Round up any documents or forms you’ll need when filing your taxes: receipts, canceled checks and other documents that support income or deductions you’re claiming on your return.

2. Be on the lookout: W-2s and 1099s should have arrived by now and you’ll need these to file your tax return.

3. Use Free File: Let Free File do the hard work for you with brand-name tax software or online fillable forms. Everyone can find an option to prepare their tax return and e-file it for free. If you made $58,000 or less, you qualify for free tax software that is offered through a private-public partnership with manufacturers. If you made more or are comfortable preparing your own tax return, there's Free File Fillable Forms, the electronic versions of IRS paper forms.

4. Try IRS e-file: After 21 years, IRS e-file has become the safe, easy and most common way to file a tax return. According to the IRS, 70 percent of taxpayers used IRS e-file. Starting in 2011, many tax preparers will be required to use e-file and will explain your filing options to you. This is your chance to give it a try. IRS e-file is approaching 1 billion returns processed safely and securely. If you owe taxes, you have payment options to file immediately and pay by the tax deadline. Best of all, combine e-file with direct deposit and you get your refund in as few as 10 days.

5. Consider other filing options: There are many different options for filing your tax return. You can prepare it yourself or go to a tax preparer. You may be eligible for free face-to-face help at an IRS office or volunteer site. Give yourself time to weigh all the different options and find the one that best suits your needs.

6. Consider Direct Deposit: If you elect to have your refund directly deposited into your bank account, you’ll receive it faster than waiting for a paper check.

7. Visit the IRS website again and again: The official IRS website is a great place to find everything you’ll need to file your tax return: forms, publications, tips, answers to frequently asked questions and updates on tax law changes.

8. Remember this number - 17: Check out IRS Publication 17. It’s a comprehensive collection of information for taxpayers highlighting everything you’ll need to know when filing your return.

9. Review! Review! Review! Don’t rush. Be sure to double-check all the Social Security Numbers and math calculations on your return as these are the most common errors made by taxpayers.

10. Don’t panic! If you run into a problem, remember the IRS is here to help. Try www.irs.gov or call toll-free at 800-829-1040.

Remember, when seeking the assistance of a tax preparer, always get referrals from friends and family on who they use and check the BBB Business Review on tax preparation services at www.bbb.org.

For more advice on finding professionals you can trust and for filing your taxes accurately, visit www.bbb.org and www.irs.gov.

ABOUT HAWAII’S BBB
Established in 1945, Hawaii’s Better Business Bureau® (BBB) is the local authority on trust in the marketplace. BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. Only businesses and charities that meet and adhere to BBB standards can receive BBB accreditation. Hawaii’s BBB provides objective advice, free business and charity reports, and educational resources on topics affecting marketplace trust. BBB also offers fair and timely dispute resolution programs for consumers and businesses. BBB resources are available online at www.bbb.org.

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Hawaii's BBB Warns Consumers about "Love The Animals"

3/7/2011

Posted on 3/7/2011 by

BBB Warns Against “Love The Animals” Soliciting Charitable Contributions

Honolulu (March 7, 2011) - The Hawaii Attorney General recently filed a lawsuit in circuit court against the alleged charity “Love The Animals” (LTA) operated by Anthony M. Marasia of Honomu, after a five month investigation. The Hawaii AG’s lawsuit seeks injunctive relief, an accounting of finances by LTA, restitution to donors, and civil penalties against the organization.

The Hawaii AG’s lawsuit alleges that:

· Marasia solicited contributions from donors via the Internet, including Facebook and other websites;

· Marasia claimed donations would help care and prove for animals and other humane purposes;

· Donors were led to believe that donations to LTA were tax deductible;

· All funds donated through the Internet were deposited into Marasia’s personal bank account;

· Marasia cannot provide documentation to support lawful expenditure of the funds for humane purposes.

In addition, Hawaii’s BBB did not find evidence that LTA had filed the Hawaii Charity registration with the Hawaii AG’s office, as required of all charities soliciting for donations in Hawaii. Nor did Hawaii’s BBB find that LTA had applied for or received a tax exemption under section 501(c)(3) of the Internal Revenue Code. Donations made to charities without a tax exemption are not tax-deductible to the donor. In addition, Hawaii’s BBB could not find any documentation filed by LTA with the Hawaii Department of Commerce and Consumer affairs.

BBB offers the following advice when donating to a charity via the internet:

If you are unfamiliar with the organization, don't hesitate to ask for written information about its programs and finances. Reputable charities will gladly send literature containing general and specific information explained in clear language.
Don't succumb to pressure or emotional appeal to give money on the spot. A charity that can use your money today will welcome it just as much tomorrow.
Ask questions. Find out if your donation is tax deductible, it may not be. Legitimate charities are willing to answer questions.
Before making online donations, determine whether the charity’s website has a privacy policy concerning the use of your name, e-mail address or other personal facts.
Gather all of the facts about the organization. Confirm existence of the charity through the Hawaii Attorney General’s Charity Registration database or with Hawaii’s BBB.
Do not send cash and always keep proof of your contributions, i.e. online donation receipts, bank statements, credit card statements, etc. This helps you document during tax time.

ABOUT HAWAII’S BBB

Restoring Trust in Today's Marketplace

3/2/2011

Posted on 3/2/2011 by

RESTORING TRUST IN TODAY’S MARKETPLACE TOPIC FOR HAWAII’S BBB PANEL DISCUSSION
*April 28 Start With Trust Panel Prelude to Annual Torch Awards*

HONOLULU (March 2, 2011) – Recent tough economic times have eroded consumer trust and confidence. In today’s recovering economy, the competitive edge of trust has never been more important or more valuable. Hawaii’s BBB will host a panel discussion titled Start With Trust: Restoring Trust in Today’s Marketplace on Thursday, April 28 at 10:00 a.m. with executives from several of Hawaii’s leading companies.

“Trust and integrity aren’t just vague terms; they’re strong assets with a financial payoff,” said Dwight Kealoha, CEO of Hawaii’s BBB. “The Start With Trust discussion will provide participants insight into the role that business leaders play in building trust within their organization, as well as with customers and other stakeholders.”

William Chismar, Dean of the University of Hawaii at Manoa’s Outreach College and former business ethics professor, will moderate the panel. Panel participants include:

Mark Fukunaga, Chairman and CEO, Servco Pacific, Inc.
Dennis Gibson, Vice President, Booz Allen Hamilton
Brian Myres, Head of Sales, ING Direct
Brenda Takahashi, Ethics and Compliance Officer, HMSA

The Start With Trust: Restoring Trust in Today’s Marketplace panel will be held on Thursday, April 28, from 10:00 – 11:15 a.m. at the Hilton Hawaiian Village, South Pacific Ballroom. The registration fees are $25 for BBB Accredited Businesses and $35 for Non-accredited Businesses. Packages available for attending both the Start with Trust panel and Annual BBB Torch Awards, which will immediately follow the panel discussion. For more information or to register for the event, please call Hawaii’s BBB at 536-6956 ext. 302 or email info@hawaii.bbb.org.

ABOUT HAWAII’S BBB
Established in 1945, Hawaii’s Better Business Bureau^® (BBB) is the local authority on trust in the marketplace. BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. Only businesses and charities that meet and adhere to BBB standards can receive BBB accreditation. Hawaii’s BBB provides objective advice, free business and charity reports, and educational resources on topics affecting marketplace trust. BBB also offers fair and timely dispute resolution programs for consumers and businesses. BBB resources are available online at www.hawaii.bbb.org.

Hawaii's BBB Top Five Tips to Become A Savvy Consumer

3/1/2011

Posted on 3/1/2011 by

NATIONAL CONSUMER PROTECTION WEEK: HAWAII’S BBB TOP FIVE TIPS TO BECOME A SAVVY CONSUMER

HONOLULU (March 1, 2011) – National Consumer Protection Week, March 6-12, is an annual effort led by the US Federal Trade Commission to educate the public on how to use their money wisely. As a part of National Consumer Protection Week, Hawaii’s BBB recommends five easy steps you can take to become a smart shopper and savvy consumer.

“In a tough economy, it’s more important than ever to protect the money you have from scammers and bad businesses,” said Dwight Kealoha, CEO of Hawaii’s BBB. “A few simple steps will go a long way to fighting off the common cons and rip-offs that steal millions from unsuspecting consumers every year.”

BBB recommends the five following tips to protect your wallet against scammers and unscrupulous businesses:

Get everything in writing and always read the fine print.
Contracts, customer agreements and fine print protect the business and outline the terms of the agreement with the customer. While it’s natural to want to avoid reading the legalese, it’s important that customers understand their rights. Whenever signing a contract, Hawaii’s BBB recommends reading the fine print carefully—even if it means taking it home and sleeping on it. Also, don’t just take a sales associates’ word for it; get all verbal promises in writing.

Protect your identity—and your pocketbook.
Fighting identity theft means staying vigilant online and off. Protect your identity by:

Always shredding sensitive documents that include personal financial information such as bank, credit card and Social Security numbers.
Monitoring your financial accounts closely to more quickly detect suspicious activity.
Making sure your computer has up-to-date anti-virus software and be extremely selective when opening attachments or clicking on links in e-mails.
Shopping online through secure sites only and always confirming that the business is trustworthy before entering your credit or debit card number.

Never wire money to someone you don’t know.
Many scams bilk victims by convincing them to wire money. The reasons for wiring the money can vary and include mystery shopping, paying fees to win a lottery, and—if the target is a small business owner—overpayment for goods or services. Scammers know it’s extremely difficult to track money sent via MoneyGram or Western Union. More troubling for victims is the fact that it’s nearly impossible to get your money back. Even if you’ve been given a check to supposedly cover the amount you’re wiring, never send money to someone you don’t know personally.

Know where to complain.
If you’ve been ripped off by a business, there are any number of organizations and government agencies that want to hear about it. You can file a complaint with:

Your Better Business Bureau at www.bbb.org/us/file-complaint,
Federal Trade Commission at www.ftc.gov, and
The State of Hawaii’s Attorney General’s Office or Department of Commerce and Consumer Protection.

If you’ve been ripped off by a scam online—such as a phishing e-mail or deceptive website—you can also file a complaint with the Internet Crime Complaint Center at www.IC3.gov.

Always check businesses out with BBB.
Nearly 3,000 Hawaii businesses bear the BBB seal of accreditation and meet our standards; you can find the seal on websites and at business locations. However, BBB doesn’t just report on accredited businesses. You can check out BBB Business Reviews for nearly 4 million businesses across the State and North America for free by visiting www.bbb.org/us/Find-Business-Reviews/. A BBB Business Review will tell you how many complaints the company has received, whether the company responds to complaints and much more.

For more advice on managing your money and avoiding scams, visit www.hawaii.bbb.org.

ABOUT HAWAII’S BBB

Why Pay to Borrow Your Own Money?

2/28/2011

Posted on 2/28/2011 by

Why Pay to Borrow Your Own Money Through Refunds Anticipation Loans?

Tax season is here and many Americans are looking forward to getting a large refund. Some taxpayers grow impatient when it comes to waiting for Uncle Sam to sign the check and many tax preparers offer instant refunds or Refund Anticipation Loans (RAL) – essentially an advance for the amount of your refund. While RALs might be a good source of instant cash, BBB warns that they come at a high cost.

RALs are short-term loans over the time it takes for the tax preparer to receive the refund check from the IRS – usually two to three weeks. The National Consumer Law Center (NCLC) found that the effective annualized rate for a RAL can range from about 50 percent to nearly 500 percent.

Before any taxpayer agrees to an instant refund, BBB offers the following options and advice:

Why not e-File and Direct Deposit?

The fastest and most secure way for consumers to get their refund is to file their taxes online and then allow a direct deposit of the refund into their bank account. Taxpayers can have the money in as little as 8 to 15 days. Some tax preparation companies will even help taxpayers set up bank accounts to route the refund if accounts are not already established, although BBB generally advises consumers to work directly with financial institutions to protect their account information.

Don’t fall for the “convenient” debit card.

Some tax preparers offer to provide instant refunds on “convenient” debit cards. However, these cards are often another way for the company to make money. The debit cards include hidden fees, as high as $20 per transaction, and can have limits on how much money consumers can access, which means users have to pay the high transaction fees over and over again.

Finance purchases other ways.

If consumers are looking to purchase specific high-priced items with their refunds, BBB encourages them to look into financing options other than RALs, such as through store credit promotions and offers, which may offer better rates.

If you must, then shop around.

If it is absolutely necessary that a consumer receive their refund immediately, BBB wants people to know that it pays to shop around and look for a good deal. Fees and rates for RALs vary by tax preparer. And consumers can check out a tax preparer’s record of integrity and performance free-of-charge with BBB Reliability Reports, available online at Hawaii.bbb.org.

For more advice on tax season issues and personal finance, and to take the BBB Money Manager Quiz, go to www.bbb.org.

Keep Keiki's Safe Online With Seven Stop Signs From Hawaii's BBB

2/22/2011

Posted on 2/22/2011 by

HONOLULU (Feb. 22, 2011) – Knowing where your kids are can be a full time job. Knowing where they are online—which websites they’re visiting and who they’re talking to—is even harder, but is no less important. Hawaii’s BBB encourages parents to teach their kids and tweens about unsafe online situations and recommends looking out for seven stop signs.

According to a study by the Neilsen Norman Group, kids as young as nine years old are becoming just as capable—if not more so—than their parents at navigating the Internet. While young children may be computer whizzes, they aren’t necessarily as smart as their parents when it comes to identifying online threats, including predators and fraud.

“The best way to keep your kids safe online is to keep the lines of communication open,” said Bonnie Horibata, vice-president of Hawaii’s BBB. “Talk to them about the possible dangers and let them know that they can always come to you if they feel confused, threatened or bullied online.”

Sit down with your kids and let them know that they should stop and come talk to you whenever they find themselves in these seven situations online:

You visit a website that asks for personal information like your home address, first and last name, e-mail address, phone or Social Security number. Your kids may not realize that information such as their full name, address, phone number or even their e-mail address or Social Security Number can be very valuable to companies that want to market products to them and also to identity thieves or predators online.
A person you don’t know sends you inappropriate pictures or inappropriate language, or wants to actually meet up. Talk to your kids about what would constitute as inappropriate photos and conversations online, as well as the immense dangers of meeting up or talking to strangers.
You want to post a picture of yourself online. Posting pictures online can seem harmless, but can often provide important clues to predators. Approve any photos before your kid posts them online until you feel they are old enough to make the right call.
You visit a website that asks for financial information like bank, credit or debit card numbers. Some websites may try to get at your wallet through your kids. Let your kids know that it is never acceptable to give out your bank, credit or debit card numbers to anyone.
You are being harassed or bullied through a social networking site, e-mails or instant messages. Online bullying isn’t just a harmless prank and your kids need to know that it’s important they tell you before it goes too far.
You get a friend request on a social networking site from someone you don’t know. Friending someone online that you don’t know in real life is opening the door to many possible threats such as hackers and predators.
You want to sign up for a “free” service online or get “free” ringtones or daily joke text messages. “Free” rarely comes without a price online and supposedly, free services can result in repeated charges to your credit card or phone bill.

Parents can report websites that request personally identifiable information from children under 13 at www.CARU.org.

For more than 35 years, the BBB Children’s Advertising Review Unit has promoted responsible children's advertising by evaluating child-directed advertising and promotional material in all media to advance truthfulness, accuracy and consistency. CARU performs a high level of monitoring, including the scrutinizing of over ten thousand television commercials, and the review of advertisements in print, radio and online media.

More information about kids online safety is available at the CARU Parent’s Corner: http://www.caru.org/program/parentscorner.aspx

ABOUT HAWAII’S BBB

This Week in Tweets from Hawaii's BBB

2/19/2011

Posted on 2/19/2011 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

Hawaii's BBB is in the last days of accepting nominations for our 2011 Torch Awards, get your nominations in now! http://ow.ly/3XMgl

Something fishy? Got ripped off? Use "I want to report a scam" & tell us:http://ow.ly/3Z8WT

YouAreHere, FTC's virtual mall where kids learn to be smarter consumers. It's pretty cool! http://ow.ly/26wLk

Practical tips to help you be on guard against online fraud, secure your computer & protect your personal info: http://ow.ly/2cHUm

If you use consumer credit info for any reason, follow the privacy rules:http://ow.ly/26wJx

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Last Chance to Enter Businesses and Charities for Hawaii’s BBB Torch Awards

2/16/2011

Posted on 2/16/2011 by
HONOLULU (February 15, 2010) – Hawaii’s Better Business Bureau® (BBB) is in the last days of accepting entries for the 2011 BBB Torch Awards. Awards will be presented in four categories honoring small, medium and large businesses, and one public charity. Entry forms are available on Hawaii’s BBB website and the entry deadline is Friday, Feb. 25 at 4 p.m.

BBB Torch Awards will be presented to one small business (less than 50 employees), one medium-sized business (less than 100 employees), one large business (more than 100 employees), and one public charity. The award recognizes superior commitment to exceptional standards that build trust in the local marketplace.

The BBB Torch Awards are open to all Hawaii businesses and 501(c)(3) public charities. Entrants must certify operations in Hawaii. BBB accreditation is not required to be nominated; however, those entered must be in good standing with Hawaii’s BBB.

A panel of past BBB Torch Award recipients will judge the entries. Finalists will be announced in late March and winners will be revealed at the BBB Torch Awards Luncheon on Thursday, April 28, 2011.

For more information about the BBB Torch Awards, visit www.hawaii.bbb.org

or call 536-6956; Neighbor Islands call toll free at 1-877-222-6551.

Established in 1945, the Better Business Bureau of Hawaii® (BBB) is a nonprofit organization that sets and upholds high standards for fair and honest marketplace behavior. BBB provides objective advice, free business and charity reports, and educational information on topics affecting marketplace trust. BBB also offers complaint and dispute resolution support for consumers and businesses. Last year Hawaii’s BBB provided consumers with more than 140,000 local business and charity reports, and processed 3,000 complaints.

Hawaii's BBB Activity Report for December 2010

2/14/2011

Posted on 2/14/2011 by

Hawaii’s BBB Activity Report: December 2010

A monthly summary of activities at Hawaii's BBB

Most Complained About Businesses

Type of Business	Complaints	Resolution Rates (%)
Auto Dealers – New Cars	11	83.33
Auto Renting & Leasing	9	100
Restaurants	7	60
Appliances - Major - Service & Repair	6	50
Charity - Local	6	-
Banks	6	100
Toys - Retail	5	50
Hotels	5	100
Timeshare Companies	4	100
Travel Clubs	3	83.33
Travel Agencies	3	-
Storage Units – Household & Commercial	3	-
Airlines	3	100
Wedding Consultants	3	0
Schools – Business & Vocational	3	100
Real Estate	3	100

Top complaint Issues
Customer Service	43
Service Quality	30
Billing or Collection	26
Sales Practice	19
Product Quality	17
Contract	17
Delivery	17
Refund or Exchange	16
Repair	13
Advertising Claim	10
Guarantee or Warranty	4

Most Asked About Businesses

Types of Business	Inquiries
Roofing Contractors	940
Travel Clubs	914
General Contractors	621
Plumbing Contractors	498
Travel Agencies & Bureaus	473
Pest Control Services	464
Auto Body Repair & Painting	427
Solar Energy Products Installation Contractors	409
Jewelers - Retail	403
Electricians	382

BBB Consumer Services
Complaints opened: 217
Requests for information*: 31,798

Requests for BBB Accredited Business lists: 7,868

Total BBBOnLine Seal Clicks for Hawaii Participants: 3,136

Requests for Quotes: 96

BBB Accreditation

New BBB Accredited Businesses: 31

Declined Applications: 0

Revoked Accredited Businesses: 0

New BBB Accredited Charities: 0

Visitors to Hawaii’s BBB Web site: 28,369

Don't Pay for free advice on scholorships for college

2/10/2011

Posted on 2/10/2011 by

HONOLULU (Feb. 10, 2011) – Millions of people depend on grants and scholarships to pay for college. Navigating the process of applying for financial aid can be confusing and some companies claim they can help, but only end up providing information and assistance the student can already get for free elsewhere. Hawaii’s BBB recommends doing research before paying any company to find financial aid for college.

During the 2009-2010 school year, $94 billion in grants was made available to college students to help cover education costs, according to The College Board. Sources of the funding included federal and state government, institutions, private entities and employers.

“Times are tight and many families are looking to tap into the well of scholarships and grants to help their kids go to college,” said Dwight Kealoha, CEO of Hawaii’s BBB. “While some companies are trying to take advantage of struggling families looking for funding, the good news is that all of the information you need is already available for free.”

Every year, BBB receives complaints from parents who paid money upfront to a company that promised to find scholarships and grants for their child but ultimately didn’t deliver.

One such company, Edifi-College Financial Aid, sends prospective college students a letter explaining they have been selected for a personal interview. Students who call for their interview are scheduled for a financial aid seminar along with other students and parents. Complainants say they attended the seminar and later paid more than $1,000 for help finding aid, but the services offered were mostly assistance in filling out financial aid forms.

BBB is also receiving complaints about J.E.C.C., Inc. Complainants say they thought they were taking advantage of a free trial CD-ROM on how to get federal grants for college. Some were charged, as much as $69, even before receiving the information in the mail and those who did receive the information complained that it wasn’t helpful at all.

BBB recommends listening for the following red flags when receiving the sales pitch from a financial-aid finder:

“The scholarship is guaranteed or your money back.”In reality no one can guarantee that they will get you a grant or scholarship. The refund guarantees that are offered usually have so many conditions or strings attached that it is almost impossible for consumers to get their money back.
“You cannot get this information anywhere else.”Actually, scholarship information is widely available in books, from libraries and financial aid offices, and on the Internet, if you are willing to search for it.
“We will do all the work.”Only parents and students can really determine and provide the financial information needed to complete the forms.
“You have been selected by a national foundation to receive a scholarship.”If you have not entered a competition sponsored by the foundation, this claim is highly unlikely.
“May I have your credit card or bank account number to hold this scholarship?”This is never a requirement for a legitimate scholarship offer.
“The scholarship will cost some money.”Legitimate scholarship offers never require payment of any kind.

For more information on finding financial aid for school, visit www.fafsa.gov. BBB has advice for everyone on managing personal finances and avoiding scams at www.hawaii.bbb.org.

Consumer Alert

2/10/2011

Posted on 2/10/2011 by

HONOLULU (Feb. 10, 2011) - Hawaii’s BBB has recently experienced a high volume of inquiries in regards to door-to-door solicitations for donations to send care-packages to US military troops and/or for the organization Smartraiser. Calls and emails have come from the Kaneohe, Kapolei, Hawaii Kai, Aiea, Waikele, Kailua, and Mililani areas.

Hawaii’s BBB has been unable to verify that Smartraiser is registered to conduct business in Hawaii or filed a registration to solicit for donations as well. Also, Hawaii’s BBB has been unable to verify certain basic information about this organization or its financial practices and is cautioning the public to beware of high-pressure or guilt-associated tactics.

The solicitors are said to be typically college age, usually a single male, but sometimes a male accompanied by a female, and state that the donations will be used to send care-packages or backpacks containing medical supplies to US military servicemen overseas. In some cases, when potential donors declined to contribute, the solicitor has verbally expressed displeasure or made offensive comments or accused the potential donor of being unpatriotic.

Hawaii’s BBB reminds residents that:

1. Solicitors should be able to provide credentials of who they are and the charity they represent. They should be able to provide the contact information for the charity should you wish to verify their presence.

2. Don’t be afraid to interrupt and ask questions. Solicitors should be able to provide their charity’s tax-exempt code from the IRS, state truthfully if donations to their charity are tax-deductible, and indicate what percentage of the donation goes to the charity and to any professional fundraiser.

3. Solicitors should provide literature about their charity with the charity’s contact information. A legitimate charity will allow you time to investigate their request for a donation.

4. The US Military does not endorse any charitable organization or their solicitors. Nor are US military serviceman allowed to solicit on behalf of their service branch, or unit, or in their uniform, for a charity or other group.

5. All charitable organizations soliciting and/or fundraising in Hawaii are required to file the Hawaii Charity Registration with the Hawaii Attorney General’s office. To verify a charity’s registration, or to see the exemptions to the registration, go to http://hawaii.gov/ag/charities or call (808) 586-1500.

6. The public can gather more information about local charities soliciting in Hawaii by reading the Charity Reports available on Hawaii’s BBB website, www.hawaii.bbb.org.

Contact Hawaii’s BBB if you have any questions – communications@hawaii.bbb.org or 808 536-6956 or 877-222-6551 (toll-free).

This Week in Tweets from Hawaii's BBB

2/4/2011

Posted on 2/4/2011 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

Hawaii’s BBB Torch Awards celebrate marketplace trust, performance and integrity. Nominate a biz or public charity! http://ow.ly/3PK6w

More than 100 locally produced products being recalled: http://ow.ly/3LGMP

Your Credit Rights: How the Law Protects You http://ow.ly/3PYs9

Hawaii's BBB now accepting nominations for the 2011 Torch Awards! Sm, Med & Large business categories and Public Charity http://ow.ly/3LxxD

We're here to help whenever you need us & wherever you are. Check out a business from your cell phone: http://ow.ly/3Q1BM

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Hawaii's BBB accepting applications for 2011 BBB Torch Awards.

1/31/2011

Posted on 1/31/2011 by

HONOLULU (January 10, 2011) – Hawaii’s Better Business Bureau® (BBB) is now accepting entries for its annual BBB Torch Awards program. Awards will be presented in four categories: Small, Medium and Large businesses, and Public Charity. Entry forms are available on Hawaii’s BBB Web site and the deadline is Friday, Feb. 25 at 4 p.m.

“Each year, the BBB Torch Awards honors companies and organizations that promote consumer trust through their commitment to fair, honest and ethical business practices,” said Dwight Kealoha, chief executive officer of Hawaii’s BBB.

The BBB Torch Awards will be presented to one small business (less than 50 employees), one medium-sized business (less than 100 employees), one large business (more than 100 employees), and one public charity. The award recognizes their superior commitment to exceptional standards that benefit their consumers, employees, suppliers, shareholders and communities, and advances trust in the marketplace.

The BBB Torch Awards are open to all Hawaii businesses and 501(c)(3) public charities. Organizations must certify operations in Hawaii. BBB accreditation is not required to enter; however, nominees must be in good standing with Hawaii’s BBB.

A panel of past BBB Torch Award recipients will judge the entries. Finalists will be announced in late March and winners will be revealed at the BBB Torch Awards Luncheon on Thursday, April 28, 2011.

For more information about the BBB Torch Awards, visit www.hawaii.bbb.org/torchawards or call 536-6956; Neighbor Islands call toll free at 1-877-222-6551.

Established in 1945, the Better Business Bureau of Hawaii® (BBB) is a nonprofit organization that sets and upholds high standards for fair and honest marketplace behavior. BBB provides objective advice, free business and charity reports, and educational information on topics affecting marketplace trust. BBB also offers complaint and dispute resolution support for consumers and businesses.

Justice Department Estimates 11.7 Million Identity Theft Victims

1/11/2011

Posted on 1/11/2011 by

Identity theft, has unfortunately become a part of Americans daily lives. In a survey done by the Department of Justice, an estimated 11.7 million people were victims of identity theft during two years prior to being surveyed in 2008.

The Bureau of Justice Statistics announced that the greater percentage of people who fall victim to identity theft were between the ages 16-24 and also people older than 65 years of age. Also, people living in a household with an income of $75,000 or more were more likely to experience some form of identity theft as opposed to a person in a household with a lower income.

Many of the victims of identity theft have trouble resolving the problems associated with identity theft, some even report of having significant relationship problems with family or friends as a result of identity theft.

To read full article, click here.

Top 10 Scams and Rip-Offs of 2010

1/6/2011

Posted on 1/6/2011 by

Job hunters and financial-strapped families are scammer’s targets in tough economy

January 5, 2011 - The Better Business Bureau today released a list of the top 10 scams and rip-offs of 2010. Job hunters and those struggling to make money and get out of debt were common targets of fraudsters, hackers and deceptive businesses in this tough economy.

Following, in no particular order, is BBB’s list of top scams and rip-offs that took advantage of consumers and small business owners across the U.S. in 2010:

Job Hunter Scams – Scams targeting job hunters vary and include attempts to gain access to personal information such as bank account or social security numbers and requirements to pay a fee in order to even be considered for the job.

Debt Relief and Settlement Services – BBB warned consumers in 2010 to seriously consider third-party assistance for getting out of debt. These companies often require upfront fees and potentially leave the consumer drowning in even more debt. Complaints to BBB about debt relief and settlement services increased by approximately 30 percent in 2010, according to tentative year-end estimates.

Work from Home Schemes – Some work from home schemes promise to teach the secrets to making money online, others claim you can make money assembling items at home or get paid to be a mystery shopper. Some victims even found that their opportunity to work from home was a job to fence stolen goods. The end result is that instead of getting paid, you can end up losing hundreds—if not thousands—of dollars

Timeshare Resellers – Complaints to the BBB about the timeshare industry—including deceptive resellers—increased by over 40 percent according to 2010 estimates. Timeshare owners who are desperate to get rid of their costly vacation property are being targeted by companies that claim they have an eager buyer. The company tells the seller they just have to pay up to several thousand dollars to cover fees. After paying the fees, the seller never hears from the company again.

Not So “Free” Trial Offers – Misleading free trial offers online for diet supplements, penny auctions and money making schemes blanket the internet resulting in thousands of complaints ever year. The free trial offers seem no-risk but complainants state they were repeatedly billed every month and found it extremely difficult to cancel.

Itinerant Home Repair/Roofers – BBBs across the country received complaints from consumers who answered a knock from a door to door salesman or itinerant worker who eventually failed to deliver on promises to fix their roof or conduct other work to the home. Complaints to BBB about roofing companies increased by roughly 40 percent in 2010, according to tentative estimates, due in part to one company that solicited door to door, American Shingle, which received nearly 1,000 complaints nationwide after going bankrupt and not providing new roofs to angry customers.

Lottery and Sweepstakes Scams – The victim—often a senior citizen--receives a letter in the mail or phone call from someone pretending to be with Reader’s Digest, Publisher’s Clearing House or a phony foreign lottery. The scammer claims that the victim has won millions but must first wire hundreds or even thousands of dollars back to the scammers to cover taxes or some other bogus fee. The victim wires the money, but the prize never arrives.

Identity Theft – There are any number of ways a person can become a victim of identity theft. Through low-tech theft, phishing emails, vishing phone calls, smishing text messages, or even through no fault of your own as the result of a corporate data breach, millions fall victim to identity theft every year.

Advance Fee Loan Scams – A perennial problem, advance fee loan scams prey on consumers and business owners who are struggling financially. Victims are told they qualify for large loans but must pay upfront fees—often more than a thousand dollars. The victim wires money to the scammers, but never receives the loan.

Over-Payment Scams - Over-payment scams typically target small business owners, landlords or individuals with rooms to rent and sellers on classifieds or sites like Craigslist. The scammers overpay the amount for the services or products and then ask the victim to wire the extra amount back to them or to another fraudulent entity. Ultimately though, the check is forged and the victim is out the money wired back to the scammers.

Consumers or small business owners victimized by a scam can contact their local BBB or file a complaint at www.necal.bbb.org. Always research a business with BBB before you sign any contracts or hand over any money.

About Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Reliability Reports® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

BBB Offers 10 Consumer-Savvy Resolutions For A Safe, Scam-Free New year

12/30/2010

Posted on 12/30/2010 by

There’s no time like a new year to resolve to be a smarter, safer consumer. The Better Business Bureau (BBB) has 10 suggested resolutions to help you fight scammers, prevent identity theft and save money in 2011.

The suggested resolutions are:

Be skeptical of “job offers” that promise easy money. Unemployment in the nation is high and scammers are targeting the large pool of job hunters. Beware of any job offer, work-at-home scheme or business opportunity that promises big money for little work and no experience.
Always check a business out with the BBB before you buy. Nearly 400,000 businesses meet BBB standards and are qualified to use an Accredited Business seal on their websites and at business locations. Visit www.bbb.org to find BBB Reliability Reports for nearly 4 million businesses across North America.
Always read the fine print—especially with “free” trial offers. Thousands of consumers complained to the BBB this year after signing up for a “free” trial offer online that resulted in repeated charges to their credit or debit cards, sometimes amounting to hundreds of dollars every month. Read the terms and conditions of any “free” trial offer before handing over credit or debit card numbers.
Keep your computer safe. If you haven’t already done so, install anti-virus software on your computer and check regularly for software and operating system updates and patches. Don’t open attachments or click on links in e-mails unless you can confirm the e-mail came from someone you trust.
Never wire money to someone you don’t know. Many scams require that the victim wire money back to the scammers. Scammers know that tracking money sent via MoneyGram or Western Union is extremely difficult. Once you’ve wired the money, it’s nearly impossible to get it back.
Fight identity theft. Shred paper documents that include sensitive financial data and dispose of computers, cell phones and digital data safely. The BBB offers tips and checklists on what to shred, and hosts annual Secure Your ID events nationwide to help you stay safe.
Ask the BBB for help. File a complaint with your BBB if you have a disagreement with a business or have been ripped off by a scammer.
Create a budget and stick to it. Setting a budget can help you stay afloat in 2011. The BBB has advice on how to create a budget to help you get out of debt and stay out of debt at www.bbb.org.
Fight fake check fraud. Thanks to advances in printing technology, scammers have the ability to create professional-looking phony checks. Educate yourself on the common types of check fraud and be extremely wary of checks that come with claims that you’ve won the lottery, are eligible for a government grant or have landed a job as a secret shopper.
Get everything in writing. Don’t just take a company’s word for it. Get every verbal agreement in writing to limit miscommunication and misunderstandings between what you expect and what the business delivers.

Consumers can learn how to protect themselves or find reviews of businesses or charities by calling (808) 536-6956 or by going online to www.bbb.org.

Fraud Attempts Reported from Online Holiday Shopping

12/29/2010

Posted on 12/29/2010 by

Fraud Attempts Reported from Online Holiday Shopping

Consumers Call BBB After Potential Scammer Offers Grand Prize

Online customers of a national retail store are being targeted in a possible online shopping grand prize give away scheme. BBB has received multiple complaints from consumers who have shopped online in recent weeks and as a result, are being targeted by phone for a false giveaway.

Consumers complain that callers are requesting upfront fees to redeem their prize of gift cards ranging from $200 - $500.

BBB offers the following advice for avoiding sweepstakes scams:

· You cannot win a sweepstakes if you did not enter. Even if the organization is well known, unsolicited phone calls or emails from organizations you did not seek out should raise concern.

· Never give personal information over the phone. Take the time to verify what the caller is claiming by visiting BBB.org to look up the organization they are representing.

· A true sweepstakes will not make its winner pay fees. Many scams involve mailing or wiring a portion of the prize back for fees or taxes. Legitimate prizes do not come with processing fees and taxes are paid directly to the Internal Revenue Service (IRS) after winnings are collected.

Consumers with complaints about possible telemarketing fraud should contact BBB and the Federal Trade Commission at ftc.gov.

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

About Better Business Bureau:
BBB's mission is to be the leader in advancing marketplace trust. BBB accomplishes this mission by creating a community of trustworthy businesses, setting standards for marketplace trust, encouraging and supporting best practices, celebrating marketplace role models and denouncing substandard marketplace behavior.

Businesses that earn BBB Accreditation contractually agree and adhere to the organization's high standards of ethical business behavior. BBB is the preeminent resource to turn to for objective, unbiased information on businesses and charities.

Hawaii's BBB Activity Report for November 2010

12/21/2010

Posted on 12/21/2010 by

A monthly summary of activities at Hawaii's BBB.

Most Complained About Businesses
Type of Business	Complaints
Toys - Retail	10
Auto Dealers - New Cars	9
Sweepstakes	6
Travel Clubs	5
Dentists	4
Restaurants	4
Airlines	3
Vacation Rentals	3
Timeshare Companies	3
Hotels	3
Auto Renting & Leasing	3
Jewelers – Retail	3
Tires Dealers	3
Pest Control Companies	3
Property Management Companies	3
Real Estate Brokers	3
Electronic Equipment & Supplies - Dealers	3
Auto Dealers - Used	3

Top Complaint Issues	Complaints
Billing or Collection	37
Sales Practice	25
Refund or Exchange	23
Customer Service	21
Contract	19
Service Quality	18
Advertising Claim	13
Repair	10
Delivery	10
Guarantee or Warranty	8
Product Quality	5

Most Asked About Businesses
Type of Business	Inquiries
Travel Clubs	661
General Contractors	606
Roofing Contractors	581
Travel Agencies and Bureaus	511
Plumbing Contractors	458
Pest Control Services	427
Auto Body Repair & Painting	366
Electricians	360
Wedding Consultants	345
Property Management	329

BBB Consumer Services
• Complaints opened: 193
• Requests for information: 25,952
• Requests for BBB Accredited Business lists: 5,116
• Total BBBOnLine Seal Clicks for Hawaii Participants: 2,715
• Requests for Quotes: 167

BBB Accredited Business Services
• The Business Bulletin newsletter: 807 readers
• Webinars
▪ Does Google Love Your Website?
▪ Effective Financial Planning

BBB Accreditation
• New BBB Accredited Businesses : 22
• Businesses revoked of BBB accreditation : 0
• New BBBOnLine participants: 86
• New BBB Accredited Charities: 0

Visitors to Hawaii's BBB website: 31,011

Do’s and Don’ts of Giving and Receiving Gift Cards

12/20/2010

Posted on 12/20/2010 by

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 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 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 Hawaii.bbb.org for more information.

Five Mistakes to Avoid When Donating to a Charity

12/17/2010

Posted on 12/17/2010 by

Every holiday, billions of dollars are donated to worthy causes and now more than ever charities need the support of donors to help those who are struggling. The BBB Wise Giving Alliance advises donors on how to avoid five common mistakes in order to ensure their dollar stretches the farthest in these tough economic times.

“With so many people out of work and in need, it’s extremely important that you maximize the impact your holiday donations have by avoiding the common giving mistakes,” said H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “A smart donor takes a hard look at a charity’s programs, finances and governance before making a donation. While almost all charities have the best of intentions, not all organizations meet standards or are well managed.”

BBB Wise Giving Alliance recommends that donors avoid these common mistakes when donating to a charity this holiday:

Assuming that only “low overhead” matters. How much money a charity spends on the actual cause—as compared to how much goes toward fundraising and administration—is an important factor, but it’s not the whole story. A charity with impressive financial ratios could have other significant problems such as insufficient transparency, inadequate board activity and inaccurate appeals.
Failing to do your research before you give. Even good friends may not have fully researched the charities they endorse, so don’t just take their word for it. Expertise is available. Go to www.bbb.org/charity to verify that a charity meets the BBB’s 20 Standards for Charity Accountability.
Succumbing to high-pressure, emotional pitches. Giving on the spot is never necessary, no matter how hard a telemarketer or door-to-door solicitor pushes it. The charity that needs your money today will welcome it just as much tomorrow.
Assuming that the charity wants any item you donate. Worn out, unusable or unwanted donated goods cost charities millions of dollars each year because the organization has to bear the cost of tossing the unacceptable donation. If you have questions about an item’s acceptability, call the charity and ask.
Mistaking a charity’s identity. With so many charities in existence, their names can blur in a donor’s mind and similar-sounding organizations are common. Be sure you know which charity you’re supporting and that it’s not a case of mistaken identity.

Donors can check out BBB Wise Giving Alliance evaluations on national soliciting charities for free at www.bbb.org/charity.

For more information or to schedule and interview with a spokesperson on charitable giving, contact Alison Southwick at 703-247-9376 or asouthwick@council.bbb.org

About the BBB Wise Giving Alliance
The BBB Wise Giving Alliance produces reports on over 1,200 nationally soliciting charitable organizations. The BBB Wise Giving Alliance does not rank charities but rather seeks to assist donors in making informed judgments by providing objective evaluations of national charities based on 20 strict standards. The outcomes of the evaluations – or BBB Wise Giving ReportsTM – are available online at www.bbb.org/charity. The BBB Wise Giving Alliance is an affiliate of the Council of Better Business Bureaus.

Free Wi-Fi Scam Strikes at Airports

12/16/2010

Posted on 12/16/2010 by

Honolulu, HI. -- Many airports and other public spaces offer free wireless, or Wi-Fi, connections for the public to log onto the Internet from their laptop computers. “Hackers are now taking advantage of travelers who want to stay connected,” said BBB President Barry Goggin. “They are setting up fake Wi-Fi connections designed to steal your personal information without you even knowing it.”

How it works:

Although hackers have set up fake Wi-Fi connections in many locations, airports are a favorite “hot spot.” When searching for connections, consumers may see a network connection available that could be simply named “Free Wi-Fi.” Unfortunately, the network may actually be an ad-hoc network, or a peer-to-peer connection. The user will be able to surf the Internet, but they are doing it through the hacker’s computer. While the user is online, the hacker is stealing information like passwords, credit card and bank account numbers, and social security numbers from the user’s laptop computers. Airports across the nation continue to report Wi-Fi security issues.

The BBB offers the following advice for travelers using Wi-Fi Hot Spots:

Connect securely. Never connect to an unfamiliar wireless network—even if the name sounds genuine. A hacker can change the name of his network to anything he wants, including the name of the legitimate Internet connection offered by the airport.

Disable automatic connections. Make sure that your computer is not set up to automatically connect to any wireless networks within your range. Otherwise, your computer could automatically connect to the hacker’s network without your knowledge.

Turn off file sharing when you are on the road to prevent hackers from stealing sensitive data from your computer.

Create a Virtual Private Network (VPN). A VPN establishes a private network across the public network which prevents a hacker from intercepting your data.

For more information, please visit www.bbb.org.

Free Wi-Fi Scam Strikes at Airports

12/16/2010

Posted on 12/16/2010 by

How it works:

The BBB offers the following advice for travelers using Wi-Fi Hot Spots:

Connect securely. Never connect to an unfamiliar wireless network—even if the name sounds genuine. A hacker can change the name of his network to anything he wants, including the name of the legitimate Internet connection offered by the airport.

Disable automatic connections. Make sure that your computer is not set up to automatically connect to any wireless networks within your range. Otherwise, your computer could automatically connect to the hacker’s network without your knowledge.

Turn off file sharing when you are on the road to prevent hackers from stealing sensitive data from your computer.

Create a Virtual Private Network (VPN). A VPN establishes a private network across the public network which prevents a hacker from intercepting your data.

For more information, please visit www.bbb.org.

Hawaii Scam Alert: Fake AT&T Reps Making Local Calls

11/22/2010

Posted on 11/22/2010 by

Hawaii's BBB and Big Island police have received reports of a phone scam by a person(s) who fraudulently claims to be an AT&T representative, and asks for credit or debit card card numbers for an immediate payment. In one instance, the scammer claimed to be calling for payment because the check the victim had provided was unsigned.

Where phishing scams are generally associated with e-mail messages, vishing uses voice communications to do the same thing—to trick victims into divulging personal information by masquerading as a trusted source.

Some "vishers" use automated dialing programs to cold call victims. The caller ID device may list a legitimate-looking local phone number, to inspire trust from the recipient. A prerecorded message or a live "employee" claims the victim's account has been compromised or needs updating or verification.

BBB offers consumers the following tips to protect against these types of scams:

Be wary of e-mails, text messages or phone calls that request personal information.
Don’t give your personal information to anyone who contacts you. Give those details only when you initiate the contact.
If you receive a vishing phone call, simply hang up. If you think the call is legitimate, call back using the business’ published number.

If you or someone you know is a victim of a phishing or vishing scam, report it to Hawaii's BBB and your local police.

For more information on how to avoid scams and protect your identity, visit http://hawaii.bbb.org/bbb-news/?id_theft.

The Week in Tweets from Hawaii's BBB

11/19/2010

Posted on 11/19/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• #Scams: RT @LATimesmoneyco: Your weekly ScamWatch http://ow.ly/3a6Ti

• You can opt out of online networks that track your web habits to tailor the ads you see: http://ow.ly/3aMX8

• Beware of foreclosure rescue scams; help is free! http://ow.ly/3aPkk

• RT @businessdotgov: Starting or running a #nonprofit? Here's what you need to know about #grants, #tax & more http://ow.ly/3bqXI

• Aloha Hawaii's newest BBB Accredited Businesses: http://ow.ly/3bsDI

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Finding a Trustworthy Kennel to Board Your Pets

11/17/2010

Posted on 11/17/2010 by

As much as pet owners may want to take their furry or feathered friends with them where ever they go, sometimes you can’t take them with you and finding a kennel or pet care service you can trust is paramount. That’s why the Better Business Bureau has created a checklist to help pet owners choose a safe and reliable home-away-from-home for their pets.

Every year, BBB receives hundreds of complaints from pet owners about kennels. Common complaints include disputes over billing, but also over the treatment of the pet. Owners say their pets came back from poor boarding kennels severely dehydrated and malnourished or rife with fleas, ticks, and even maggots. Worst case scenarios include pets that became extremely ill from their stay at poor facilities which resulted in lengthy stays at the animal hospital.

“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 Alison Southwick, BBB spokesperson. “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.
• Ask your friends, neighbors, veterinarian or local animal shelters for recommendations. Also, the Pet Care Services Association website has a pet service locator that may be helpful in your search.
• Personally visit the facilities. Check for cleanliness and offensive odors, and note the overall safety of the kennel and cages.
• If your pet is prone to running away, ask about steps the kennel has taken to make their facilities escape-proof.
• Ask about how your pet may come in contact with other animals. Some kennels let animals play together while others keep them separate at all times.
• If your state requires inspections look for the certificate on the wall and make sure the kennel is properly licensed.
• Ask about the feeding schedule, water accessibility and frequency of – or fees related to – exercise.
• Note the friendliness of staff members and how they interact with the other boarding pets. Ask about their background and experience.
• Make sure the facility requires that all entering pets have proof of immunization and ask about their policies regarding flea and tick control.
• Ask about the hours for drop off and pick up and make sure you understand their billing policy.
• Finally, ask what happens in the case of a medical emergency or other unexpected situation.

For more advice on finding reputable businesses around the holidays, visit us online at www.bbb.org/us/consumer-tips-holiday

The Week in Tweets from Hawaii's BBB

11/12/2010

Posted on 11/12/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• Hawaii’s BBB reports on local charities, too: http://ow.ly/36vEh

• Protect Your Debit Card from ATM Skimmers: http://ow.ly/36YPR

• Use the BBB Accredited Business plugin to find trustworthy businesses in Bing, Google and Yahoo search results: http://ow.ly/375zA

• HOW TO: Get the Most From a Small Business Social Media Presence: http://ow.ly/37GP5 via @mashable #smallbiz

• New fake coupons circulating for several popular items. See the ones not to use or accept: http://ow.ly/31bHS

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Fall 2010 BBB Secure Your ID Day a Nationwide Success

11/12/2010

Posted on 11/12/2010 by
October’s BBB Fall Secure Your ID Day was a great success as more than 14,000 people brought 409 tons of sensitive documents to be shredded for free at 62 event sites across North America.

Compared to the fall 2009 BBB Secure Your ID Day, BBBs helped 21 percent more people and shredded 40 percent more sensitive documents this year. It also provided educational materials to help participants take further steps to protect their identities.

At McKinley High and Aina Haina schools on Oahu, 639 vehicles delivered almost 17 tons of material for shredding—31 percent more than last year—with the help of Access Information Management. This year, Hawaii’s BBB also offered accepted 20 cell phones for safe destruction and recycling.

The fall BBB Secure Your ID Day capped off 2010 Protect Your Identity Week (PYIW), a nationwide initiative led by BBB and the National Foundation for Credit Counseling. PYIW is an annual event dedicated to helping consumers fight identity theft and is supported by leading consumer organizations and government agencies such as the Federal Trade Commission and the Federal Reserve.

“BBB Secure Your ID day is about helping the public take steps to fight identity theft immediately and arming them with the tools and information they need to ward off identity thieves in the future.” said Dwight Kealoha, CEO of Hawaii’s BBB. “Not only did we destroy tons and tons of sensitive financial information for free, we also provided educational materials to help people fight identity theft every day.”

Consumers and small business owners can learn more about fighting identity theft at http://www.bbb.org/us/secure-your-id/.

Hawaii's BBB Activity Report for October 2010

11/9/2010

Posted on 11/9/2010 by

A monthly summary of activities at Hawaii's BBB.

Most Complained About Businesses
Type of Business	Complaints
Auto Dealers – New Cars	9
Cellular Telephone Service & Supplies	9
Travel Clubs	9
Airlines	6
Major Appliances – Service & Repair	5
Advance Fee Loans / Nigerian scam	5
Toys – Retail	4
Banks	4
Auto Dealers – Used Cars	3
Department Stores	3
Florists – Retail	3
Jewelers – Retail	3
Restaurants	3
Vacuum Cleaner Dealers – Household	3
Auto Repair & Service	3
Real Estate Brokers	3
Security Control Equipment & System Monitors	3
Wedding Consultants	3
Vacation Rentals	3

Top Complaint Issues	Complaints
Customer Service	36
Billing or Collection	35
Service Quality	29
Contract	24
Sales Practice	21
Refund or Exchange	20
Repair	17
Product Quality	15
Delivery	12
Advertising Claims	8
Guarantee or Warranty	4

Complaints about Hawaii businesses: 186

Most Asked About Businesses
Type of Business	Inquiries
General Contractors	1002
Roofing Contractors	903
Electrical Contractors	708
Plumbing Contractors	650
Travel Clubs	636
Pest Control Services	611
Travel Agencies & Bureaus	601
Auto Body Repair & Painting	562
Wedding Consultants	536
Construction & Remodeling Services	485

Inquiries about Hawaii businesses: 27,410

BBB Consumer Services
• Complaints opened: 226
• Requests for information: 34,922
• Requests for BBB Accredited Business lists: 6,904
• BBB consumer programs, participation and presentations:
▪ Secure Your ID Day
▪ BBB Military Line presentation at Pearl Harbor
▪ Kauai PrimeTime Wellness Fair

BBB Accredited Business Services
• The Business Bulletin newsletter: 807 readers
• Webinars
▪ Does Google Love Your Website?
▪ Effective Financial Planning

BBB Accreditation
• New BBB Accredited Businesses: 22
• Businesses revoked of BBB accreditation: 0
• New BBBOnLine participants: 86
• New BBB Accredited Charities: 0

Visitors to Hawaii's BBB website: 31,011

BBB’s Top 10 Cyber Monday Tips for Safe Shopping Online

11/8/2010

Posted on 11/8/2010 by

HONOLULU (November 23, 2010) – Cyber Monday—the Monday after Thanksgiving—has officially replaced Black Friday—the day after Thanksgiving—as the most popular day to shop for the holidays. Shopping online means avoiding the crowds, but it also opens consumers up to attacks from scammers and hackers. In order to fight these online grinches, Hawaii’s Better Business Bureau offers 10 tips for staying safe when holiday shopping online.

Every year, more people head online rather than to the mall to get their holiday shopping done. According to the National Retail Federation, last year 96.5 million Americans shopped online during Cyber Monday, while 79 million Americans shopped at brick-and-mortar retailers on Black Friday.

“The convenience and ease of shopping online has replaced the hassle of going to the store for many people—but online shopping has its own set of risks,” said Dwight Kealoha, CEO of Hawaii’s BBB. “Taking steps to avoid fraud online will result in a much happier holiday for everyone but the scammers.”

Following are the “Top 10 Online Shopping Tips” to help holiday shoppers fight unscrupulous online retailers, scammers and hackers:

Protect your computer. Always have the most recent updates installed for spam filters, antivirus and spyware removal software, and a secure firewall.
Shop on trustworthy websites. Start by checking the seller’s reputation and record for customer satisfaction with BBB. Always look for the BBB seal and other widely-recognized trustmarks on websites and click on the seals to confirm that they are valid.
Protect your personal information. Take the time to read the website’s privacy policy, and understand what personal information is being requested and how it will be used. Having no posted privacy policy should be taken as a red flag that your personal information may be sold without your permission.
Beware of deals that sound too good to be true. Offers on websites and in unsolicited e-mails can be tempting with extremely low prices on hard-to-get items. Always go with your instincts and don’t be afraid to pass up a “deal” that might cost you dearly in the end.
Beware of phishing. Legitimate businesses do not send e-mails claiming problems with an order or an account only to lure consumers into revealing financial information. If a you receive such an e-mail, call the contact number on the website where the purchase was made to confirm that there is a problem with the transaction.
Confirm your online purchase is secure. Always look in the address box for the “s” in https:// and in the lower-right corner for the lock symbol before paying.
Pay with a credit card. Under federal law, a shopper can dispute the charges if he or she doesn’t receive the item. Consumers also have dispute rights if there are unauthorized charges on their credit card, and many card issuers have “zero liability” policies under which the cardholder 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 you might receive confirmation by e-mail. Save a copy of the Web page and any e-mails for future reference and as a record of the purchase.
Check your credit card statements often. Don’t wait for paper statements; check your credit card statements for suspicious activity by calling the 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, consumers can cancel and demand a refund. There is no general three-day cancellation rule, but consumers do have the right to reject merchandise if it’s defective or was misrepresented. Otherwise, the company’s policies determine if shoppers can cancel the purchase and receive a refund or credit.

For more advice on staying safe online this holiday season, visit bbb.org.

Protect Your Debit Card from ATM Skimmers

11/8/2010

Posted on 11/8/2010 by

HONOLULU (November 9, 2010) – Even if you’re choosy about which automated teller machine (ATM) you use, you can still become a victim of identity thieves who place devices on machines to steal debit card information. ATM skimming is a growing problem and Hawaii’s Better Business Bureau recommends consumers take steps to protect themselves from becoming the next victim.

According to Bankrate.com, ATM skimmers are close to reaping $1 billion annually from unsuspecting consumers. Javelin Strategy & Research estimates that one in five people have become victims.

ATMs are tampered with in a number of different ways in order for skimmers to steal debit card data and personal identification numbers (PINs). It takes only a few seconds for criminals to install cameras over the keypad or a device over the card reader. ATMs aren’t the only hot spots, card swipers at gas pumps and retailers can be tampered with as well.

“Skimming devices are becoming increasingly harder to detect and often blend in seamlessly with the ATM,” said Dwight Kealoha, CEO of Hawaii’s BBB. “Consumers should monitor their account closely so they can quickly detect any fraudulent activity on their card and minimize their losses.”

Hawaii’s BBB offers the following tips to guard against ATM skimmers:

Protect your PIN. When entering your personal identification number, cover the keypad with your other hand to prevent any cameras from catching your digits. Also look for new or suspiciously placed cameras and unusual signage.
Give it a wiggle. Skimming devices are often fake panels attached to the ATM—such as where you insert your card into the machine or on top of the keypad. If a part of the ATM look damaged or different, give it a wiggle. Don’t hesitate to walk away and use another ATM if it doesn’t feel right.
Be picky about ATMs. Avoid using ATMs in poorly lit or low traffic areas. Also, choose a bank ATM over a standalone machine whenever possible.
Keep an eye on your statements. Always monitor your accounts—including the itemized charges and debits—so that you can quickly spot and report any suspicious activity.
Report fraud immediately. Consumer protections for debit cards vary but depend largely on when fraudulent activity is reported. If you wait too long to report the fraud, your account could be cleaned out and your bank might not reimburse you.

For more advice on protecting your personal information and preventing fraud, visit www.bbb.org.

The Week in Tweets from Hawaii's BBB

11/5/2010

Posted on 11/5/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• The Business Bulletin from Hawaii's BBB: http://ow.ly/33Xq0

• If you use consumer credit info for any reason, follow the privacy rules: http://ow.ly/34CmM

• Judge Bans Marketers of “Detox” Foot Pads; Claimed “Ancient Japanese Secret” Treats Medical Conditions: http://ow.ly/34CpR

• 15 Data Security Tips to Protect Your Small Business: http://ow.ly/33XOA #smallbiz #infosec

• What's Behind Ads for a New Credit Identity? Could Be ID Theft Involving Kids' Social Security Numbers: http://ow.ly/35eJI #IDtheft

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Understanding Debt Management Programs

11/3/2010

Posted on 11/3/2010 by

When faced with overwhelming credit card debt, there are a number of options on how to deal with the debt: Handle it on our own; try debt settlement; obtain a debt consolidation loan; file for bankruptcy; tap home equity; or join a debt management program through a credit counseling agency.

Each approach has advantages and disadvantages. BBB describes what is involved in a debt management program.

What is it?
A debt management plans are also commonly referred to as “debt management programs,” “DMPs,” and “debt repayment programs.”

First a person with unmanageable credit card debt seeks credit counseling at a consumer credit counseling service. A counselor obtains an itemized list of the client’s monthly expenses and income. If a client has funds remaining in the budget, but can’t keep up with minimum payments, debt management becomes a possibility.

A debt management plan is a personalized, structured repayment program wherein you pay back 100% of your debt over time, a maximum of 60 months. You pay down the principal much faster than you could on you own and make one monthly payment to the credit counseling agency which electronically distributes the money to your creditors.

A good credit counselor will review the status of your creditors—tracking the name of the credit grantor, the account number and current interest rate. Then the counselor will look up how much each creditor would charge in interest were you to join the program (policies between creditors vary greatly). A counselor can tell you how you could save in interest over the long term and your shortened payoff time.

What are the benefits?

Lower interest rates, late and over-limit fees. By joining a debt management program, you show you wish to back your debt. In exchange, most creditors make concessions to the original agreement to help their customers repay their debt and avoid a potential bankruptcy.

Reduced interest rates and waived late and/or over-limit fees are the main appeal.

Decrease the payoff time. As a result of paying reduced interest and fees, more of your monthly payment is directed to pay off your principal, allowing you to shorten the duration of your payoffs.

Eliminate calls from collectors. Clients who are well behind on their bills are often hounded by collections agencies. Such calls will continue for about the first 90 days of the program (while the credit grantors process credit counselor proposals). During this period, you may tell collectors that you've joined a DMP and refer them to your agency’s customer service department. Once the 90-day period has past, creditors will stop contacting you.

Reduce stress. Once you regain control with a manageable action plan, your stress is greatly reduced. The uncertainty of how you are going to handle a large financial problem causes undue worry and tension. A reputable credit counseling service will encourage free follow-up visits with your counselor. Should you have questions about your budget or credit, or your circumstances change, having access to a financial specialist reduces anxiety.

Make just one monthly payment. As a convenience, credit counselors consolidate your payments into one monthly installment that’s divided and sent electronically to each creditor. Usually set up as an automatic withdrawal from a bank account, this payment method reduces the likelihood of incurring late fees.

Pass on bankruptcy. A DMP works well for those who are ethically opposed to bankruptcy. Others cannot file due to policies of their employers who prohibit it. Some choose another route to minimize the negative impact on their credit reports.

Emerge debt free. The goal is to help you become free of debt. For those who have been unable to control credit card debt on their own, the DMP is a great tool, along with a budget, financial education, determination and hard work, to help you payoff debt and secure a healthy financial future.

What are the potential disadvantages?

Use of credit. To allow you to concentrate on paying off debt rather than incurring more, you must close your accounts and stop using credit. As a result, visit any credit counseling service and you’ll see jars of cut up credit cards. Creditors actually monitor your credit reports to see if you make payments outside of the DMP to other creditors and may drop you from the program altogether if they catch you doing so. A few exceptions are allowed, such as if you have a corporate card for business and the bill is paid by your employer.

Impact on credit. Your creditors determine how your account will be reported to the credit reporting agencies. Any payment options, which alter your original agreements with each creditor will affect your credit somewhat—some methods more than others. Generally, filing for bankruptcy is the worst move for your credit and will leave negative remarks on your credit report for 10 years.

After creditors accept the terms and receive three consecutive payments, some creditors “reage” your accounts to bring them current and that will improve your credit. If you haven’t been able to make payments, have a long history of late payments, or carry high debt loads, joining a plan, paying on time and working down your balances can actually improve your credit.

To determine how a DMP would affect your credit, call each of your creditors and ask.

Must have some income to qualify. When counselors work with you to develop a budget, you must have some surplus income to pay your credit cards through a DMP. If your situation is extremely dire, another option may work better for you.

Finding a Credit Counseling Agency
Start by researching nonprofit credit counseling organizations and check the agency’s BBB Reliability Report. For added protection, consider choosing a BBB Accredited Businesses.

Lastly, find out if it is a member of the National Foundation for Credit Counseling. NFCC members adhere to strict standards of professionalism and accreditation and draw upon only certified credit counselors.

About ClearPoint
ClearPoint Credit Counseling Solutions is a national nonprofit organization providing credit, housing and bankruptcy counseling in person, over the phone or via the Internet. Credit counselors teach consumers how to manage their money better, pay down debt, and save for a secure financial future.

ClearPoint is a system-wide Accredited Business of the BBB, a member of the NFCC, and accredited by the Council on Accreditation.

Five Ways to Prevent ID Theft Online

11/3/2010

Posted on 11/3/2010 by

When it comes to protecting your identity, an ounce of prevention is worth far more than the amount of money, energy, and agony that goes into getting your life back to normal after your financial and personal information has been stolen. BBB recommends taking the following five steps to prevent ID theft when you are online:

Don’t fall for a phishing e-mail. Phishing—using e-mail or phone calls to pose as a trustworthy organization in order to coerce sensitive information from victims—is on the rise. Phishing e-mails can look legitimate with graphics and official logos of banks, government agencies or credit card companies. The e-mails usually include links that direct the victim to a website designed to install computer viruses and malicious software (malware), or solicit bank account or Social Security numbers.

In order to prevent ID theft through phishing e-mails, completely delete unsolicited e-mails from banks, credit unions, investment firms and government agencies with which you do not already have an established relationship. If you do have an existing relationship with the supposed originator of the e-mail, call the organization to confirm whether the e-mail is legitimate before taking any further action. The IRS and other government agencies do not use e-mail to contact consumers about any issues or problems that require action on the part of the recipient, so e-mails purporting to be from government agencies should be deleted immediately.
Create strong passwords and protect them. Regularly changing passwords makes it much more difficult for ID thieves to steal personal information. Some passwords, however, are stronger than others. Strengthen your passwords by using a combination of numbers, capitalized letters and symbols. Never use sensitive or easily discovered information for a password such as your Social Security number, mother’s maiden name or birthday.
Be safe and secure when on the go. Be wary of entering passwords or sensitive information into a computer that isn’t yours, such as at an Internet café, library, computer lab or airport kiosk. Hackers can easily record user’s keystrokes to learn passwords and other information.

Wireless networks, either on the road or in your own home, present even more opportunities for ID thieves. The easiest way to protect a wireless network at home is change its default identifier and password, and turn off identifier broadcasting. Also, avoid exchanging sensitive information through the Internet when using a “hotspot” or public wireless connection.
Guard personal computers with antivirus, spyware, and firewall protection. You can purchase protective software, but there are also a number of reputable, free programs available. Do your research into a company beforehand to make sure it provides legitimate, reliable software. Many computer operating systems already provide firewall protection, so make sure this protection is enabled.

After acquiring or activating security software, keep the programs updated. Operating systems also require patches and other updates that must be installed in order to keep your computer secure.
Only transfer information over a secure server. When it comes to giving out personal information online, only do so on a secure server. On a secure server, the information is encrypted as it is being transmitted; that way, others can't read it if they should intercept it.

When asked to give any personal information, check the Web page address to make sure you are on a secure server. An unsecured URL will look like this: http://www.###.com. A secure server will have an "s" either in front of or following the "http", and it will look like this: https://www.###.com or shttp://www.###.com.

For more trustworthy information on preventing ID theft, as well as BBB advice on what to do if your identity is stolen, visit bbb.org.

The Week in Tweets from Hawaii's BBB

10/29/2010

Posted on 10/29/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• RT @OPENForum: 5 ettiquette rules that many businesses forget when using social media http://ow.ly/2Z9Sp

• As of Nov. 1, airlines will be asking travelers more questions: http://ow.ly/2ZSn7 via @consumerreports

• The Griggs wanted by FBI; 9 #Hawaii victims—Couple accused of running Ponzi scheme: http://ow.ly/31dG9

• Free IRS Webinar: Learn about Common Employment Tax Issues Nov.3, 8am HST: http://ow.ly/30you

• Details & link to check if your info was exposed—University of #Hawaii #Manoa Breaches 40,101 Alumni SSNs: http://ow.ly/31ESq #infosec

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Five Steps to Creating a Business Succession Plan

10/27/2010

Posted on 10/27/2010 by

While your retirement may seem far off, you should plan for the unexpected by taking the time to create a thorough succession plan. Waiting until retirement to think about the next generation of the business puts both your family finances and the future success of the company at risk.

BBB outlines five steps to create a solid succession plan and ensure the stability of the business if something unexpected should happen.

A business succession plan is vital to ensure business stability, but many small business owners lack one. According to a 2008 PNC Bank survey of business owners, 77 percent had a will but only 33 percent had a succession plan for their business.

BBB recommends taking the following steps to create a cohesive and comprehensive succession plan:

Discuss it with your family and business partners. When beginning the planning process, get the thoughts and opinions of family members and business partners on their future involvement with the company. This will give you a better idea who really wants to take on the challenges of the company and who might prefer a different path from the family business while perhaps maintaining an equity stake. Also, circle back around and make sure all interested parties understand the succession plan after it is finalized.

Get professional help. A succession plan isn’t just about naming an heir; it’s also a matter of navigating tax laws and minimizing the financial burden on family members. The financial aspect of a succession plan can be very complex. An attorney and/or financial planner can walk you through the process, make sure you’ve tied up all loose ends and help you ease the potential financial strain on family and the business.

Think about the staff. A succession plan isn’t just about tending to finances and ownership. It is also about management and making sure the company can run smoothly in your absence. Make sure that your staff is trained to carry on without you—this includes the high-level strategic plan and the day to day basics of making the business work. Consider creating basic succession management plans for key staff to ensure continuity in service and productivity should someone else depart.

Think about the customers. Customer loyalty for a small business often rests heavily on the owner. Customers might head off to the competition if they think that the company can’t carry on without you. Consider how you can make the transition seamless for customers and not lose the trust they have built in your company should you leave. Encourage relationships between customers and other staff so that they know that the business is more than just you.

Update the plan every few years. Revisit and revise the plan every few years. Make sure it continues to reflect the current status of the business as well as your family situation.

For more trustworthy business tips, visit http://hawaii.bbb.org/Business-Tips-Index.

New Laws Fight Deceptive Debt Relief Practices

10/25/2010

Posted on 10/25/2010 by

Good news for those struggling to pay their bills: All of the new Federal Trade Commission (FTC) regulations to help protect consumers from deceptive offers for debt relief go into effect on Oct. 27, 2010. However, BBB still advises consumers to use caution when enlisting the help of a third party to get out of debt.

Since the start of the recession in December 2007, BBB has received more than 6,000 complaints from consumers about debt relief or debt settlement companies. Typically, complainants say they were charged large upfront fees in exchange for the empty promise that the company would significantly reduce or eliminate their debt.

Under the last in a set of new rules, 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 following steps have been made:

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.
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 following conditions are met:

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, control or have any affiliation with the company administering the account.
The provider does not exchange any referral fees with the company administering the account.

Finally, before a consumer signs up for any debt relief service, providers must disclose fundamental aspects of their services, including how long it will take 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.

Visit the FTC website for more information about laws to protect consumers in credit card debt.

For more information on managing finances and getting out of debt, check out BBB’s Managing Credit-Made Simpler.

The Week in Tweets from Hawaii's BBB

10/22/2010

Posted on 10/22/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• It's Protect Your Identity Week. Take your Identity Theft Risk Check: http://ow.ly/2VnVJ

• #Recalls: Graco Quattro & MetroLite Strollers Due to Risk of Entrapment, Strangulation: http://ow.ly/2WOe5 via @OnSafety

• Free shredding & cell phone recycling on BBB Secure Your ID Day, Saturday: http://ow.ly/2WOuJ

• The Clock Is Ticking on New Tax Breaks for #SmallBiz: http://ow.ly/2VtZd

• #TrustBrief: Why #smallbiz waits for recovery, improving your customer service, trust instincts over experts & more: http://ow.ly/2Xk8E

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Be Cautious of Online Penny Auction Sites

10/20/2010

Posted on 10/20/2010 by
Online ads, often designed to look like news reports, are cropping up on popular websites claiming that you can get great deals on iPads and other electronics with online penny auctions. The discounts offered on penny auction sites are tempting, but BBB warns bargain hunters that they should stop and do their research before making their first bid.

Most commonly with a penny auction, users must set up an account and purchase bids with a credit or debit card; each individual bid may cost less than a dollar and are often sold in bundles of 100 or more. Every item has a countdown clock and as people bid, the cost of the item goes up incrementally and more time is added to the clock. Even if you don’t win the item, you still have to pay for the bids you placed which can add up over time.

“BBB has received hundreds of complaints from consumers about penny auctions so far this year and we’re encouraging online bargain hunters to do their research,” said Alison Southwick, BBB spokesperson. “Unlike typical auctions, unsuccessfully bidding on an item through a penny auction will still cost you and BBB has heard from people who lost thousands of dollars bidding on items and have nothing to show for it.”

Many people have complained to BBB about being automatically charged $150 just for signing up for what was supposed to be a free trial. Others complainants have voiced their concerns that some sites use phony bidders and “bots” to drive up the prices on items. Customer support is also a major concern as many complainants explain they had a very difficult time receiving refunds or resolving other issues with the company.

Before making your first bid on a penny auction:

Research the penny auction with BBB first. Not all penny auctions are created equal and BBB ratings on various sites range from A- to F. Always research the penny auction site with your BBB at http://www.bbb.org/us/Find-Business-Reviews/ before signing up.
Read the fine print carefully. Before providing any personal information or signing up for any “free” trial with a penny auction, read all of the fine print carefully on the website. Pay close attention to details on signup and annual fees, minimum bidding requirements, maximum prize amounts and how to get a refund.
Know what you’re buying. Before bidding on an item, research how much it costs elsewhere and keep track of how much you’re spending on bids overall to see if you really are getting a good deal.
Keep a close eye on your credit card statement. Many have complained to BBB about being unexpectedly charged more than $150 just for signing up. Some complaints were also automatically charged for more bids when they ran out or for a yearly registration fee, not realizing this would be the case.
Complain to BBB if you feel you’ve been ripped off. If you feel you’ve been misled by a penny auction site, file a complaint with your BBB. BBB has assisted customers in resolving their issues, including getting refunds. If the business does not cooperate, your complaint will still go down on the company’s BBB Reliability Report and serve as a warning to others.

For more advice on finding deals and avoiding rip-offs online, visit us at http://www.bbb.org/us/consumer-tips-technology/

BBB Hosts Free Shredding Event to Fight Identity Theft

10/18/2010

Posted on 10/18/2010 by

HONOLULU (October 19, 2010) – Hawaii’s BBB invites the Oahu community to BBB Secure Your ID Day on Saturday, Oct. 23, 2010 from 10 a.m. to 1 p.m. at two locations on the island.

Individuals and small businesses are encouraged to take a key step in identity protection by shredding and properly disposing of sensitive paper documents, CDs and floppy disks, and unused cell phones. BBB staff will also be on-site to provide expert advice and tips for identity theft protection.

“Identity theft is largely a crime of access,” said Dwight Kealoha, CEO of Hawaii’s BBB. “Our goal here is to make the information less accessible and give people the information they need to be their own first line of defense against identity theft.”

Last year alone, 11.1 million Americans became victims of ID theft, resulting in the loss of $54 billion, according to a 2010 report from Javelin Strategy and Research.

BBB Secure Your ID Day locations:

McKinley High School
1039 S. King St., Honolulu
Aina Haina School
801 W. Hind Dr., Honolulu

Bring up to three boxes or bags of documents, CDs and floppy disks to be shredded and take home the tips and resources you need to help protect your identity. Paper documents should be removed from binders, but staples and paper clips can be shredded.

BBB Secure Your ID Day also includes free, safe and secure cell phone recycling. The cell phones collected will have all user content removed before being refurbished, reused or smelted down for metals and plastics.

At last year’s BBB Secure Your ID Day event in Hawaii, more than 640 vehicles delivered almost 2,000 containers filled with 12.7 tons of material that was shredded on the spot for free. For more information on BBB Secure Your ID Day and identity theft prevention for consumers and businesses, visit www.hawaii.bbb.org.

BBB Secure Your ID Day is held in conjunction with National Protect Your Identity Week by the National Foundation of Credit Counseling.

About Hawaii’s BBB
Established in 1945, Hawaii’s Better Business Bureau® (BBB) is the local authority on trust in the marketplace. BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. Only businesses and charities that meet and adhere to BBB standards can receive BBB accreditation. Hawaii’s BBB provides objective advice, free business and charity reports, and educational resources on topics affecting marketplace trust. BBB also offers fair and timely dispute resolution programs for consumers and businesses. BBB resources are available online at www.bbb.org.

About NFCC
The National Foundation for Credit Counseling (NFCC), Inc., promotes the national agenda for financially responsible behavior and builds capacity for its Members to deliver the highest quality financial education and counseling services. The NFCC is the nations largest and longest serving national nonprofit credit counseling network, with more than 100 Member agencies and nearly 850 offices in communities throughout the country. Each year, NFCC Members assist 4 million consumers, helping many to drive down their debt and take control of their finances.

Identity Theft Continues to Victimize Millions Each Year

10/18/2010

Posted on 10/18/2010 by

Arlington, VA - October 15, 2010 – When something happens 10 million times per year, it’s worth noting, and in recent years, that’s how many victims of identity theft have reported the abuse to the Federal Trade Commission (FTC).

Further, ID theft has remained the number one complaint to the FTC for the past five years.

It can start the old-fashioned way with lost or stolen wallets, pilfered mail, or dumpster diving for documents thrown out by you or a business. A consumer may also be victimized through more high-tech crimes including a data breach, computer virus, phishing or an Internet scam. Once the personal information is stolen, the crime can result in check fraud, credit card fraud, financial identity theft, criminal identity theft, governmental identity theft and medical identity theft.

Recognizing that awareness and education are essential tools necessary for consumers to protect themselves against ID theft, the National Foundation for Credit Counseling (NFCC) has teamed with the Council of Better Business Bureaus (CBBB) to host the third annual Protect Your Identity Week October 17-23. The week will consist of more than 175 local events in communities across the nation where consumers can take part in educational workshops, credit report reviews, responsibly recycle unused cell phones and have their personal documents shredded for free.

Consumers are urged to visit www.ProtectYourIDNow.org where they can locate events in their area, find useful prevention tips, victim resources, and take a quiz to assess their own risk of becoming the next identity theft victim. Advice in Spanish is also available at www.cuidesuidentidad.org.

“A recent NFCC online poll revealed that a majority of Americans fear identity theft, and that is a healthy fear to have if it leads them to take action,” said Bob Ensinger, COO of the NFCC. “The upcoming educational events should go a long way toward helping consumers protect themselves from the ever-present danger of identity theft.”

“BBB is committed to helping consumers fight fraud and identity theft is one of the largest threats we all face every day,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “There are a few precautions that we can all take to protect ourselves, and taking part in Protect Your Identity Week is one easy first step to make.”

As part of Protect Your Identity Week, Cintas Corporation, national shredding partner for PYIW, is providing free document destruction at events nationwide with the goal of making the Guinness Book of World Records for the most paper shredded in a 24-hour period.

Additionally, Intersections, Inc., a leader in consumer and corporate identity theft management services that also provides the award-winning Identity Guard® brand, serves as a presenting sponsor of Protect Your Identity Week 2010, and Wireless Alliance, national electronic device recycling partner, is providing free cell phone disposal at many community events. MSN Money is once again serving as the national media sponsor for PYIW.

A number of national organizations are also putting their weight behind this initiative, joining the NFCC and BBB as Supporting PYIW Coalition Members. This Coalition includes: American Bankers Association Education Foundation, American Financial Services Association Education Foundation, American Payroll Association, Consumer Action, Consumer Data Industry Association, Consumer Federation of America, Credit Union National Association, Federal Reserve Board, Federal Trade Commission, FICO, Foundation for Financial Planning, Identity Theft Assistance Center, Identity Theft Resource Center, Jump$tart Coalition for Financial Literacy, Junior Achievement USA, National Association of Triads, National Council of La Raza, National Crime Prevention Council, National Education Association Member Benefits, National Sheriffs’ Association, the Office of the Comptroller of the Currency and the Social Security Administration.

For more information or to schedule an interview, contact Gail Cunningham with the NFCC at 940-691-6322 or Alison Southwick with the BBB at 703-247-9376.

About the Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Reliability Reports® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

About National Foundation for Credit Counseling
The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation’s largest and longest serving national nonprofit credit counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior and build capacity for its Members to deliver the highest quality financial education and counseling services. NFCC Members annually help four million consumers through more than 800 community-based offices nationwide. For free and affordable confidential advice through a reputable NFCC Member, call (800) 388-2227, (en Español (800) 682-9832) or visit www.nfcc.org.

The Week in Tweets from Hawaii's BBB

10/15/2010

Posted on 10/15/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• #Hawaii ties in fake prize scam against 85 yr old Texas woman [Bonnie Brae Street item]: http://ow.ly/2RPuw

• New fake coupons circulating for several popular items. See the ones not to use or accept: http://ow.ly/2SyD3

• Hawaii's BBB Secure Your ID Day is Oct. 23. Free shredding & cell phone recycling: http://ow.ly/2ROPc

• 5 Ways to Fight Back Against Phone Bill Cramming: http://ow.ly/2StP7

• Small Business Advice: Less is More When Securing Data: http://ow.ly/2THHV #infosec #smallbiz

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Small Business Advice: Less is More When Securing Data

10/14/2010

Posted on 10/14/2010 by

If you’re like many busy professionals, your file cabinets, desk drawers, computer, and cell phone have become corporate archives brimming with business information. When it comes to having sensitive data at your fingertips, it used to be that more was considered better. But the climate has changed.

In an age of security breaches and identity thieves, the professional pack rat should be a thing of the past. Scale down—keep only what you need for business.

Today’s savvy professionals have learned to travel light, keeping only what’s necessary and safely disposing of the rest. The Federal Trade Commission (FTC) has advice on how you can protect your customers and employees by securing sensitive data in your possession.

Cool, calm, and uncollected. If you don’t have a valid business reason to collect personal information, don’t ask for it in the first place. Review the forms you use to gather data—like credit applications and fill-in-the-blank web screens for potential customers—and revise them to eliminate requests for information you don’t need.
Don’t fidget with the digits. Unless you have a legitimate business justification, don’t hold onto customers’ credit card information, including account numbers and expiration dates. Keeping sensitive data longer than necessary creates an unwarranted risk for fraud.
Stay socially secure. Make it a company policy to use Social Security numbers only for required lawful purposes — like reporting payroll taxes. Don’t use them unnecessarily as employee identification numbers or customer locators.
Is your default at fault? Sometimes the software used to read credit card numbers and process transactions is preset to store information permanently. Check your settings to make sure you’re not inadvertently keeping more than you need.
Too much information? Make sure your receipts are complying with a law that’s been effective for all businesses since December 1, 2006. According to the Fair and Accurate Credit Transaction Act, electronically printed credit and debit card receipts you give your customers must truncate the account information. You may include no more than the last five digits of the card number, and you must delete the card’s expiration date. Details in Slip Showing? Federal Law Requires All Businesses to Truncate Credit Card Information on Receipts.
Pay attention to retention. If you must keep information for business reasons or to comply with the law, develop a written records retention policy to identify what must be kept, how to secure it, how long to keep it, who’s authorized to access it, and how to dispose of it securely when you no longer need it.

Find more tips and tools to protect your customers and business in BBB’s Data Security Made Simpler.

Five Ways to Fight Back Against Phone Bill Cramming

10/11/2010

Posted on 10/11/2010 by

Sneaky little charges can appear on phone bills and go unnoticed for months. Victims of so-called “cramming” often face a tough battle to stop being billed every month and start getting their money back. In order to fight cramming, BBB recommends reviewing every bill and being cautious when giving out personal information such as phone numbers.

The Federal Communications Commission (FCC) reports that cramming is on the rise. Cramming can come from any number of sources. Some victims may have inadvertently signed up for a subscription service—such as free ringtones, jokes or horoscopes—not realizing they would be billed every month. The Federal Trade Commission (FTC) recently cracked down on one company that used telemarketers to convince people into signing up for “free” trial services. Calling a psychic hotline or entering a sweepstakes can also lead to cramming. In some cases, the victim is just an unlucky random target.

BBB recommends taking the following five steps to fight cramming:

Keep a close eye on monthly statements. Cramming charges can appear on any phone bill, so monitoring your monthly statements is extremely important. The sooner you spot the charges, the sooner you can fight them.
Know your rights. Contact your phone provider to see if you can completely restrict third-party billing on your account.
Know whom you can trust online. Before handing over any personal information online, always research the business with your BBB at http://www.bbb.org/us/Find-Business-Reviews/.
Guard your personal information closely. Be wary when asked to provide personal information to sign up for a free trial or enter a sweepstakes. Always read the fine print on any offer so you understand how your personal information may be used.
Know where to complain. If you are unable to resolve the issue either through your telephone provider or directly with the business, file a complaint with the FCC for charges related to telephone service and FTC for all other cramming charges on your phone bill. You can also file a complaint with BBB.

For more trustworthy advice on managing personal finances and protecting your wallet, go to http://www.bbb.org/us/consumer-tips-finance/.

Hawaii's BBB Activity Report for September 2010

10/6/2010

Posted on 10/6/2010 by

A monthly summary of activities at Hawaii's BBB.

Most Complained About Businesses
Type of Business	Complaints
Auto Dealers – New Cars	12
Auto Renting & Leasing	7
Auto Dealers – Used Cars	7
Major Appliances - Service & Repair	7
Airlines	6
Property Management	6
Travel Clubs	5
Auto Repair & Service	5
Department Stores	4
Hotels	4
Auto Body Repair & Painting	4
Timeshare Companies	4
Pest Control Services	4
Furniture – Retail	4
Freight Forwarding Companies	4

Top Complaint Issues	Complaints
Customer Service	54
Billing or Collection	39
Sales Practice	33
Service Quality	26
Contract	21
Refund or Exchange	19
Delivery	17
Product Quality	14
Repair	13
Guarantee or Warranty	8
Advertising Claims	6

Complaints about Hawaii businesses: 222

Most Asked About Businesses
Type of Business	Inquiries
General Contractors	894
Roofing Contractors	712
Pest Control Services	648
Electrical Contractors	610
Plumbing Contractors	589
Travel Agencies & Bureaus	569
Auto Body Repair & Painting	537
Travel Clubs	517
Wedding Consultants	512
Solar Contractors	492

Inquiries about Hawaii businesses: 26,872

BBB Consumer Services
• Complaints opened: 254
• Requests for information: 34,876
• Requests for BBB Accredited Business lists: 7,282
• BBB consumer programs, participation and presentations:
▪ National Active and Retired Federal Employees Association: Kailua-Kona and Honolulu chapters
▪ BBB Military Line presentations at Schofield Barracks
▪ Maui PrimeTime Wellness Fair

BBB Accredited Business Services
• The Business Bulletin newsletter: 865 readers
• Webinars
▪ How to Market, Sell and Advertise Online
▪ Employee Evaluations and Compensation Concepts

BBB Accreditation
• New BBB Accredited Businesses: 19
• Businesses revoked of BBB accreditation: 1
• New BBBOnLine participants: 55
• New BBB Accredited Charities: 0

Visitors to Hawaii's BBB website: 30,019

BBB Advises Caution When Dealing With Talent and Modeling Agencies

10/4/2010

Posted on 10/4/2010 by

HONOLULU (October 5, 2010) – Whether you’re interested in an entertainment career, want to make a few extra bucks or you think your child might have a future in acting or modeling, be on the lookout for scammers. 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, would-be models have researched agencies with the BBB more than half a million times. Unfortunately, BBB also received more than 2,000 complaints 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 Dwight Kealoha, CEO of Hawaii’s BBB. “Even if the agency tells you that you have ‘the look’, always take the time to do your research and don’t fall for empty promises.”

Common complaints to BBB about talent and modeling agencies often come from would-be models or parents who think their kids have star potential. Typically, they are told they need to pay before the agency will start finding them work. Complainants report that despite paying hundreds, or even thousands, of dollars in various upfront fees, the agency found them few, if any, jobs.

Before signing up with a modeling or talent agency:

Do your research. Always check the company out with BBB.
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 big 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 written in the agreement.
Get references. Ask for references from 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 Hawaii’s BBB, the state Department of Commerce and Consumer Affairs, and the Federal Trade Commission.

For more information about being a savvy consumer, visit bbb.hawaii.org.

Major Marketing/Media Trade Groups Launch Program to Give Consumers Enhanced Control Over Collection and Use of Web Viewing Data for Online Behavioral Advertising

10/4/2010

Posted on 10/4/2010 by

New York, NY (October 4, 2010) — A group of the nation's largest media and marketing trade associations, with support from the Council of Better Business Bureaus, today announced the details of a self-regulatory program that will give consumers enhanced control over the collection and use of data regarding their Web viewing for online behavioral advertising purposes.

The program includes specific implementation practices in support of the Self-Regulatory Principles for Online Behavioral Advertising, which the industry released in July 2009. Together, the Principles and practices represent the industry’s response to the Federal Trade Commission’s call for more robust and effective self-regulation of online behavioral advertising practices that would foster transparency, knowledge and choice for consumers.

The program promotes the use of the “Advertising Option Icon” and accompanying language, to be displayed within or near online advertisements or on Web pages where data is collected and used for behavioral advertising. The Advertising Option Icon indicates a company’s use of online behavioral advertising and adherence to the Principles guiding the program. By clicking on it, consumers will be able to link to a clear disclosure statement regarding the company's online behavioral advertising data collection and use practices as well as an easy-to-use opt-out option.

Starting today, companies collecting or using information for behavioral advertising are encouraged to visit www.AboutAds.info to acquire and begin displaying the Advertising Option Icon, signaling their utilization of behavioral advertising and adherence to the Principles. The launch of an industry-wide icon will enhance the efforts of the growing number of companies that are already using similar mechanisms to deliver enhanced notice to millions of consumers. Interested companies engaged in behavioral advertising can also register to participate in the easy-to-use consumer opt-out mechanism on the www.AboutAds.info site.

As business registration and use of the Advertising Option Icon expand, consumers will have an opportunity later this fall to visit www.AboutAds.info for information about online behavioral advertising and to conveniently opt-out of some or all participating companies’ online behavioral ads, if they choose.

The cross-industry self-regulatory initiative spans the entire marketing-media ecosystem and is led by the American Association of Advertising Agencies (4A’s), the American Advertising Federation (AAF), the Association of National Advertisers (ANA), the Direct Marketing Association (DMA), and the Interactive Advertising Bureau (IAB). Collectively, these associations represent more than 5,000 leading U.S. corporations across the full spectrum of businesses that have shaped and participate in today’s transformed media landscape.

The associations are actively promoting adoption of the Principles by businesses across the entire online advertising ecosystem via a series of webinars. To build widespread awareness and understanding of the program among the business community and consumers, the associations will be conducting a national educational campaign.

When launched later this fall, the consumer opt-out platform will include the participation of the Network Advertising Initiative (NAI). In addition, the DMA has built the Principles into its existing self-regulatory Guidelines for Ethical Business Practice, which all DMA members are required to comply with as a condition of membership.

Starting in 2011, the Council of Better Business Bureaus (CBBB), a leading non-profit organization dedicated to advancing marketplace trust through self-regulation, along with the DMA, will be responsible for monitoring and enforcing compliance, as well as managing consumer complaint resolution. The CBBB and DMA expect to contract with the Better Advertising Project, (BAP), to provide its monitoring technology to report on companies’ adherence to the transparency and control provisions of the program.

“The advertising industry has a long history of strong, effective CBBB-administered self regulation of traditional media, and we look forward to applying these lessons to the dynamic new online advertising market. We also look forward to putting in place technology to monitor the marketplace and promote compliance with the program’s transparency and control principles,” said Lee Peeler, President and CEO of the National Advertising Review Council (NARC) and Executive Vice President, National Advertising Self-Regulation, Council of Better Business Bureaus (CBBB).

“The Advertising Option Icon program launch builds on DMA’s long-standing commitment to consumer choice and its history of effective self-regulation across all marketing communications. As the marketing community seeks to provide consumers with more timely, relevant and customized advertising messages, the Advertising Option Icon will serve as a beacon of consumer choice and trust in the marketplace. We are committed to helping consumers understand that they have choices and exercise those choices regarding interest-based advertising, and will work diligently to foster compliance and accountability across the industry,” said Larry Kimmel, CEO, DMA.

“Marketers, agencies and media companies need to talk to their audiences. They need to describe what they do, how they do it and the value it brings. Transparency and choice are essential in reinforcing that trust, and trust is a critical underpinning of growth—for the marketing and media industries as well as for the entire economy,” said Randall Rothenberg, President and CEO, IAB.

“As advertisers utilize the Internet to effectively market their brands, they recognize the need for consumer trust. The self-regulatory initiative launched today is an exceptional program that protects consumers’ privacy. Consumers now can exercise choice and control over the data used by marketers to create interest-based advertising. On behalf of the ANA’s 400 member companies that collectively invest more than $250 billion annually in marketing communications, we are proud to join with other leading media and marketing organizations to bring this comprehensive, ambitious program to the public,” said Bob Liodice, President and CEO, ANA.

“Our ability to deliver advertising messages to consumers that speak only to their interests must surely be one of the great benefits of the media revolution that we’re living through. We fully understand that this advance in targeting will be lost if the public comes to believe that we are not responsible stewards of the data on which it is built. That is why we are so proud to be one of the driving forces in the creation of the code of responsible conduct that we are launching today,” said Nancy Hill, President and CEO, 4As.

“For the world of online advertising and marketing to work and grow, consumers must trust it. And the way to earn and keep that trust is to give consumers clear disclosure, choices, and, most importantly, control about how their data is used online for the purposes of targeted advertising. The organizations collaborating on this initiative represent an unprecedented coalition in support of that principle, with a concrete program to put that principle into action online. The American Advertising Federation is proud to be joining the other leading media and marketing trade associations in giving consumers the online tools they deserve to control, as they see fit, the use of their data in the world of interest-based online advertising,” said James Edmund Datri, President and CEO, AAF.

“The NAI and its more than 50 members are pleased to contribute their experience in similar self-regulatory programs to this exciting cross-industry effort. We welcome the next stage of this initiative, as our members continue to roll out solutions that give consumers more information and choices around interest-based advertising. Several of our members have already launched icon-related advertising disclosures for hundreds of millions of advertisements, and we expect to see aggressive further deployments over coming months,” said Charles Curran, Executive Director of the Network Advertising Initiative.

The Self-Regulatory Principles for Online Behavioral Advertising, released in July 2009, guided the implementation details announced today. These Principles address Enhanced transparency beyond what is contained in privacy policies:

Clear choices regarding the data collected and used for online behavioral advertising;
Appropriate data security including data retention limits;
Limits on the collection of specified sensitive data for online behavioral advertising
Consumer education about online behavioral advertising; and
Development and implementation of accountability procedures for entities engaging in online behavioral advertising

To view the complete document, please click on this link: Self-Regulatory Principles for Online Behavioral Advertising.

Primary press contact:
Lesley Neadel
CooperKatz & Company
917-595-3034
lneadel@cooperkatz.com

Better Business Bureau contact:
CBBB
Linda Bean
212-705-0129
lbean@narc.bbb.org

Identity Theft is a Growing Threat; Fight Back with Free Help from BBB and NFCC

9/29/2010

Posted on 9/29/2010 by

Arlington, VA/Silver Spring, MD – The Council of Better Business Bureaus (BBB) and the National Foundation for Credit Counseling (NFCC) are encouraging consumers and small business owners across the country to fight identity theft by taking part in the 3rd Annual Protect Your Identity Week (PYIW), October 17-23.

Identity theft continues to be a growing problem; the number of victims in the US reached 11.1 million in 2009, a 12.5 percent increase over the previous year, according to Javelin Strategy and Research. Threats abound both online and offline and no one is completely safe, but there are steps you can take to protect yourself against identity theft and limit the damage.

As part of the 3rd annual Protect Your Identity Week, consumers and small business owners can take advantage of:

More than 150 events taking place in communities across the country, most offering educational workshops, credit report reviews, and shredding. All events are free and open to the public. Some locations will also provide safe electronic disposal for mobile phones and computer equipment.
Easy to follow tips and resources are available online at www.ProtectYourIDNow.org, where consumers can learn how to fight identity theft and data breaches. Advice in Spanish is also available at www.cuidesuidentidad.org.
A self-assessment quiz at www.ProtectYourIDNow.org to determine your personal risk of identity theft.
Daily blogs from nationally known ID theft expert and McAfee consultant, Robert Siciliano.

“Fighting identity theft is a constant battle and the attacks can come at you from all fronts,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “Because we are all potential victims, it’s important that we all take steps to fight identity theft and Protect Your Identity Week is a great place to start. You can participate in a free shredding event to protect yourself now, and check out the educational events and online resources to protect yourself in the future.”

“Last year, tens of thousands of people across the country benefited from the events and resources provided through Protect Your Identity Week. Additionally, more than 500 tons of sensitive documents were shredded, all for free,” said Susan C. Keating, president and CEO of the NFCC. “This year, we anticipate having an even larger impact due to the increased number of events and resources available to consumers. For instance, at shredding events participants can even take part in breaking a Guinness world record. This in itself should create a lot of interest.”

As part of Protect Your Identity Week, Cintas Corporation, national shredding partner for PYIW, is providing free document destruction at events nationwide with the goal of making the Guinness Book of World Records for the most paper shredded in a 24-hour period.

The BBB and NFCC would like to thank Intersections, Inc, a leader in consumer and corporate identity theft management services that also provides the award-winning Identity Guard^® brand, for serving as a presenting sponsor of Protect Your Identity Week, and the Wireless Alliance, national electronic device recycling partner, for providing free cell phone disposal at many community events. Additionally, MSN Money is once again serving as the national media sponsor for PYIW.

A number of national organizations are also putting their weight behind this initiative, joining the NFCC and BBB as Supporting PYIW Coalition Members. This Coalition includes: American Bankers Association Education Foundation, American Financial Services Association Education Foundation, American Payroll Association, Consumer Action, Consumer Data Industry Association, Consumer Federation of America, Credit Union National Association, Federal Reserve Board, Federal Trade Commission, FICO, Foundation for Financial Planning, Identity Theft Assistance Center, Identity Theft Resource Center, Jump$tart Coalition for Financial Literacy, Junior Achievement USA, National Association of Triads, National Council of La Raza, National Crime Prevention Council, National Education Association Member Benefits, National Sheriffs’ Association, the Office of the Comptroller of the Currency and the Social Security Administration.

For more information or to schedule an interview, contact Gail Cunningham with the NFCC at 940-691-6322 or Alison Southwick with the BBB at 703-247-9376.

About National Foundation for Credit Counseling
The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation’s largest and longest serving national nonprofit credit counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior and build capacity for its members to deliver the highest quality financial education and counseling services. NFCC Members annually help four million consumers through more than 800 community-based offices nationwide. For free and affordable confidential advice through a reputable NFCC Member, call (800) 388-2227, (en Español (800) 682-9832) or visit www.nfcc.org.

About the Better Business Bureau
As the leader in advancing marketplace trust, Better Business Bureau is an unbiased non-profit organization that sets and upholds high standards for fair and honest business behavior. Every year, more than 65 million consumers rely on BBB Reliability Reports® and BBB Wise Giving Reports® to help them find trustworthy businesses and charities across North America. Visit www.bbb.org/us for more information.

Is it a Legitimate Opportunity or a Pyramid Scheme?

9/29/2010

Posted on 9/29/2010 by

Millions of people have found success in direct selling for companies using a multi-level compensation plan. Unfortunately, not all opportunities are legitimate and it’s easy to get caught up in the enthusiasm and big promises of a pyramid scheme posing as a trustworthy company. So how do you tell the difference? Answer the following questions:

Is the start-up cost reasonable? A legitimate company will generally offer a startup kit that includes product samples, catalogs, order forms and other essentials that you need to get started selling. The median cost of a kit is $99, but can range from free to several hundred dollars depending on the type of product being sold. A pyramid scheme on the other hand will often require a large upfront investment of several thousand dollars for which you get little more than the right to recruit others.

Does your compensation come from selling products and services or from recruiting others? The money-making potential in a legitimate multi-level marketing company will rely primarily on selling products – be it from your own sales or the sales made by your recruits. In a pyramid scheme money is made by the recruiter from the fees paid by new recruits, regardless of whether they sell anything. Additionally, be sure products and services are being sold to the ultimate consumer of those products instead of passing large quantities of product from seller to seller.

Will the company buy back sales kits and unsold inventory? Most direct selling companies do not require large inventory purchases, but if one does, be sure to check out the buyback policy. All Direct Selling Association member companies are required to repurchase, at no less than 90 percent of the purchase price, any marketable inventory and sales aids purchased in the past 12 months if you decide to quit the business. You should not risk financial loss by trying direct selling. Pyramid schemes often try to disguise their deception by offering a sham product, so beware of a company that requires a large inventory purchase with no return policy.

The bottom line is that a legitimate company will portray an honest picture of the opportunity, including the possible risks, rewards, and challenges. A pyramid schemer, however, will enthusiastically sell you on the promise of making tons of money with little effort. Successful direct sellers treat the experience like running a small business. There are no short cuts to success. Keep a level head and evaluate all opportunities objectively. If you feel pressured to make a decision with which you are not comfortable, or if the opportunity sounds too good to be true, just walk away.

Before signing up with direct selling company, check the company out with your BBB at hawaii.bbb.org, or on the Direct Selling Association’s website at www.dsa.org.

The Week in Tweets from Hawaii's BBB

9/24/2010

Posted on 9/24/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• RT @PCATTTweet: "Social Media Has Scorching Impact on Small Biz" and that's "scorching" meaning good, not bad. http://ow.ly/2HLUX

• 9 #Hawaii museums offer free admission for two on @MuseumDay Saturday: http://ow.ly/2J2uo

• RT @WisconsinBBB: Gift card cloning...just in time for the holidays! Read how it works & how to protect yourself: http://ow.ly/2IkjX

• Personal data collector/broker ChoicePoint ordered to compensate 14K+ victims of data breach; $18.17 ea: http://ow.ly/2Ilaq

• When a Criminal's Cover Is Your Identity: http://ow.ly/2Irdu via @FDICgov #IDtheft

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Regulations Now Prohibit Deceptive Telemarketing of Debt Relief Services

9/24/2010

Posted on 9/24/2010 by

Debt relief services have proliferated in recent years as the economy has declined and greater numbers of consumers hold debts they cannot pay. Now, sellers and telemarketers of debt relief services are required to comply with new regulations designed to protect consumers from deceptive or abusive practices in the telemarketing of debt relief services.
Debt settlement companies typically advertise through the Internet, television, radio, or direct mail. The advertisements generally follow the ‘‘problem-solution’’ approach: Consumers who are over their heads in debt can be helped by enrolling in the advertiser’s program. The advertisements often then urge consumers to call a toll-free number for more information.

Consumers who call the specified phone number reach a telemarketer working for or on behalf of the debt settlement provider. The telemarketer obtains information about the consumer’s debts and financial condition and makes the sales pitch, often repeating the claims made in the advertisements as well as making additional ones. If the consumer agrees to enroll in the program, the provider mails a contract for signature. Providers sometimes pressure consumers to return payment authorization forms and signed contracts as quickly as possible following the call.

The Federal Trade Commission (FTC) reports that debt settlement plans, as they are often marketed and implemented, raise several consumer protection concerns. First, many providers’ advertisements and ensuing telemarketing pitches include false, misleading or unsubstantiated representations, including claims that:

The provider will or is highly likely to obtain large debt reductions for enrollees.
The provider will or is highly likely to eliminate the consumer’s debt entirely in a specific period.
Harassing calls from debt collectors and collection lawsuits will cease.
The provider has special relationships with creditors and expert knowledge about available techniques to induce settlement.
The provider’s service is part of a government program, through the use of such terms as ‘‘credit relief act,’’ ‘‘government bailout,’’ or ‘‘stimulus money.’’

Many providers also tell consumers that they can, and should, stop paying their creditors, while not disclosing that failing to make payments to creditors may actually increase the amounts consumers owe—because of accumulating fees and interest—and will adversely affect their creditworthiness.

Beginning on Sept. 27, 2010, the following rules appy to for-profit companies that sell debt relief services over the telephone, including credit counseling, debt settlement, and debt negotiation services that aim to reduce credit card or other unsecured debt:

Debt relief companies will be required to make four specific disclosures to consumers, 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.

Debt relief companies will be prohibited making misrepresentations, including specific misrepresentations commonly made in this area.
The rules cover calls consumers make to these firms in response to debt relief advertising.

On Oct. 27, 2010, the final piece of these new regulations will prohibit debt relief companies from charging a fee before they settle or reduce a customer’s debt.

FTC’s Telemarketing Sales Rule Debt Relief Rule Fact Sheet (.pdf)

Sara Lee Corporation Joins Industry Initiative to Promote Healthier Foods to Kids

9/23/2010

Posted on 9/23/2010 by

Arlington, VA – September 23, 2010 – The Council of Better Business Bureaus today announced that the Sara Lee Corporation, one of the world’s leading food and beverage companies, has become the newest participant in the Children’s Food and Beverage Advertising Initiative (CFBAI). As part of the initiative, Sara Lee has pledged that all TV, print, radio, Internet and other CFBAI-covered advertising directed primarily to children under 12 will be for products that meet government standards defining the term “healthy” or the American Heart Association’s HeartCheck program criteria.

Since its inception in 2006 with 10 founding companies, the CFBAI has grown to include 17 industry leaders that have all committed to encourage healthier dietary choices and healthier lifestyles in children’s advertising. To that end, participants in the initiative pledge to advertise only better-for-you products in media primarily directed to children under 12 or not to engage in any child-directed advertising.

“Sara Lee is showing its commitment to the health of our nation’s children by joining other industry leaders in only advertising to kids products that meet widely-accepted nutritional guidelines,” said Elaine D. Kolish, BBB vice president and director of the CFBAI. “Under the CFBAI, the participants’ voluntary use of solid nutrition standards has steadily improved the nutritional profile of foods and beverages being advertised to children under 12. The calories, fat, sugar or sodium content of more than 100 products have decreased and four companies are not engaging in child-directed advertising at all.”

“We’re pleased to be joining the CFBAI with our industry peers to help promote healthier products to kids,” said Laston Charriez, vice president, consumer and shopper activation, Sara Lee Corporation. “We look forward to working with the CFBAI and its members on this important topic.”

In addition to meeting government or AHA standards, any product advertised would have to fill a recognized nutritional need in children’s diets. For instance, the Sara Lee bread that is advertised on children’s programming meets the FDA definition for “healthy” and contains at least eight grams of whole grain per serving.

As required for all participants in the Initiative, Sara Lee will also:

Restrict the use of third-party licensed characters in advertising primarily directed to children under 12 to products meeting its nutrition criteria;
Refrain from advertising its food and beverages in elementary schools;
Not pay for, or seek out, product placement in the program/editorial content of any media primarily directed to children under 12; and,
Limit the use of food and beverages shown in interactive games primarily directed to children under 12 to products that meet its nutrition criteria.

“Not only has the Children’s Food and Beverage Advertising Initiative continued to grow through increased industry participation, we are also continuing to move the ball forward through greater harmonization and compliance oversight,” added Kolish.

The BBB today announced that virtually all participants are now using an audience threshold of no higher than 35 percent of children under 12 in the audience for their commitments to apply. Previously, some participants’ pledges applied only if at least half the audience consisted of children under 12. This harmonization of the participants’ definitions of “advertising primarily directed to children under 12” will provide even greater clarity and certainty to what is meant by child-directed advertising.

Additionally, because the majority of the participants now have policies to not engage in advertising primarily directed to children under age six, the BBB will start monitoring and reporting on compliance with those policies in 2011.

To view the participants’ updated pledges, the newest edition of the CFBAI’s Program and Core Principles Statement, and a chart summarizing the participants’ policies and definitions on advertising to children under 12 and six, visit http://www.bbb.org/us/children-food-beverage-advertising-initiative.

For more information on the Children’s Food and Beverage Advertising Initiative or to schedule an interview with the Director, Elaine Kolish, contact Alison Southwick at asouthwick@council.bbb.org or 703-247-9376. For more information on Sara Lee Corporation, please contact Mike Cummins at 630-598-8412.

About the Children’s Food and Beverage Advertising Initiative
The Council of Better Business Bureaus launched the Children’s Food and Beverage Advertising Initiative in November 2006 to shift the mix of advertising messaging directed at children to encourage healthier dietary choices and healthier lifestyles. The 17 participants of the Initiative are Burger King Corp.; Cadbury Adams USA LLC; Campbell Soup Company; The Coca-Cola Company; ConAgra Foods, Inc.; The Dannon Company; General Mills, Inc.; The Hershey Company; Kellogg Company; Kraft Foods Global, Inc.; Mars, Inc.; McDonald’s USA, LLC; Nestlé USA; PepsiCo, Inc.; Post Foods, LLC; Sara Lee Corporation and Unilever United States. For more information about the Children’s Food and Beverage Advertising Initiative and to view the pledges of the participants visit: http://www.bbb.org/us/children-food-beverage-advertising-initiative.

BBB Advice on Collection Calls for Debts You Don’t Owe

9/20/2010

Posted on 9/20/2010 by

HONOLULU (September 28, 2010) – If a debt collector is contacting you about a debt that you know you don’t owe, explaining your case can be an uphill battle. Whether it’s due to mistaken identity, an honest error or identity theft, Hawaii’s Better Business Bureau® (BBB) recommends taking five steps to fight back against erroneous debts.

According to a 2010 report, the Federal Trade Commission (FTC) received 119,364 complaints about third party and in-house debt collectors last year—up from 104,766 in 2008. While complaints vary, trying to collect on a debt the consumer doesn’t owe is common. In a recent example, the FTC reached a million-dollar settlement with Credit Bureau Collection Services over accusations that the collection agency violated federal law by inaccurately reporting credit information and often pressing consumers to pay debts they did not owe.

“It can be an exhausting process to set the record straight on a debt you don’t actually owe,” said Dwight Kealoha, chief executive officer of Hawaii’s BBB. “Because debts are often sold and resold among many different collection agencies, you may have to make the same case every few years when the debt trades hands again.”

If you are receiving calls for a debt you don’t owe, it could be a case of mistaken identity. Perhaps you share the same name or inherited an old phone number of the person who actually owes the debt.

You could also be the victim of “zombie debt,” where you have already paid off the original debt or established it was not yours. A collector could also be trying to get you to pay for a debt for which you are no longer responsible because the statute of limitations has expired.

Finally, you could be hounded to pay on a fraudulent debt. You may have become a victim of identity theft and someone is using your good name to open up new lines of credit or make purchases. Additionally, the “debt collector” could be an identity thief trying to get you to divulge personal information such as Social Security, bank and credit card numbers.

If you’re being pursued for a debt you don’t think you owe, BBB recommends taking the following five steps:

1. Request written proof of the debt. By law, a debt collection agency must provide you with a validation notice within five days of contacting you about the debt. To receive verification of the debt, send a written request to the debt collector within 30 days after receiving the validation notice. This written proof can help establish if you really do owe the debt, if the debt collector is mistaken or if the calls are related to identity theft. Once you have the agency’s name and contact information, check with Hawaii’s BBB to confirm that it is a legitimate debt collector and report it if not.

2. Tell them to stop contacting you. According to federal law, a debt collector cannot continue to contact you if you tell them to stop. After confirming that you do not owe the debt in question, send a letter to the debt collector via certified mail telling them to stop all contact with you. Keep a copy of the letter and the return receipt for your records. Except to confirm that there will be no further contact or inform you that the agency is filing legal action, any further contact with you by the debt collector is a violation of the Fair Debt Collection Practices Act (FDCPA).

3. File a complaint. Get to know the consumer protections provided under the FDCPA. Included are rules that debt collectors may not make false or deceptive claims, and must investigate the validity of a debt dispute. If a debt collector violates the law, file a complaint with the FTC and Hawaii’s BBB.

4. Correct any errors. After confirming that you do not owe the debt, correct any related errors on your credit report. Contact the company that has provided the information to the credit reporting bureaus by letter and include copies of documents that support your case. Information on how to correct credit report errors is available on the FTC website (pdf).

5. Monitor your credit reports. Get your free credit report from each of the three major credit reporting bureaus at www.annualcreditreport.com. If you are a victim of fraud or identity theft, you may be eligible to review your reports for free. By monitoring your credit reports at least once a year, you will be able to catch and correct any fraudulent activity or mistakes before the debt collector calls.

For more information on controlling debt and managing credit effectively, check out BBB's Managing Credit – Made Simpler.

Hawaii's BBB Announces 2010-2011 Board of Directors and Officers

9/20/2010

Posted on 9/20/2010 by
HONOLULU (September 21, 2010) – Hawaii’s Better Business Bureau(BBB) has announced the election of its 2010-2011 board of directors and officers: Chair Susan Ing, Bank of Hawaii; 1st Vice Chair Nancy Daniels, APR, Outrigger Enterprises Group; 2nd Vice Chair, Thomas W. Dixon, First Hawaiian Bank; Secretary Phil Sammer, ‘Ilima Hotel; and Treasurer Dwayne Takeno, PKF Pacific Hawaii.

Hawaii’s BBB also announced two new board members serving their initial terms: Craig Hamamoto, KTA Super Stores; and Stan Masamitsu, Tony Group.

The Week in Tweets from Hawaii's BBB

9/17/2010

Posted on 9/17/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• The Ultimate Guide to Franchises: http://ow.ly/2Ea9r via @BusinessDotGov #smallbiz

• Customer service still # 1, but local biz complaints down in all but one county. Details in our Aug. report: http://ow.ly/2EeTA

• The ONLY authorized source for a free annual credit report is annualcreditreport.com: http://ow.ly/2DJF4

• #Scams Targeting U.S. Military: http://ow.ly/2DCyP

• Use our browser plugin to find trustworthy businesses in Bing, Google & Yahoo search results: http://ow.ly/2FxqU

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

AAFES Offers Discounts for Customer Feedback; Hickam, Schofield Eligible

9/15/2010

Posted on 9/15/2010 by

The Army & Air Force Exchange Service (AAFES) Inspector General's office is about to do its annual worldwide inspection of exchange operations. As part of the inspection, feedback about customer relations and support is sought from authorized shoppers.

Consumers at Hickam AFB and Schofield Barracks are among those invited to take the AAFES customer service survey. Participants will receive a coupon for 10 percent off an Exchange Online Store order, or a voucher for a $3 discount that can be applied to a BX/PX in-store purchase of $20 or more.

Through the end of September, the AAFES survey is open to shoppers at the following locations:

Operations Enduring and Iraqi Freedom
Ft. Benning
Ft. Buchanan
Ft. Campbell
Ft. Knox
Ft. Leonard Wood
Ft. Sam Houston
Ft. Sill
Ft. Stewart
Hickam AFB
Lackland AFB
Moody AFB
RAF Lakenheath
RAF Mildenhall
Randolph AFB
Redstone Arsenal
Robins AFB
Schofield Barracks
Scott AFB

Those who shop at the above locations are invited to complete the AAFES IG survey at www.aafes.com/IGsurvey.

Hawaii's BBB Activity Report for August 2010

9/13/2010

Posted on 9/13/2010 by

A monthly summary of activities at Hawaii's BBB.

Most Complained About Businesses
Type of Business	Complaints
Auto Dealers – New Cars	12
Airlines	12
Auto Dealers – Used Cars	8
Wedding Coordinators	7
Consumer Finance & Loan Companies	7
Toys - Retail	6
Department Stores	6
Hotels	5
Auto Renting & Leasing	5
Restaurants	5

Top Complaint Issues	Complaints
Customer Service	40
Sales Practice	29
Refund or Exchange	29
Service Quality	28
Billing or Collection	27
Contract	25
Repair	18
Product Quality	16
Delivery	12
Advertising Claim	12
Guarantee or Warranty	4

Complaints about Hawaii businesses: 215

Most Asked About Businesses
Type of Business	Inquiries
General Contractors	1038
Roofing Contractors	1004
Wedding Consultants	724
Plumbing Contractors	706
Travel Clubs	691
Travel Agencies & Bureaus	690
Pest Control Services	610
Auto Body Repair & Painting	599
Contractors - Electrical	578
Construction & Remodeling Services	530

Inquiries about Hawaii businesses: 29,386

BBB Consumer Services
• Complaints opened: 245
• Requests for information: 39,022
• Requests for BBB Accredited Business lists: 8,821
• BBB consumer programs, participation and presentations:
▪ BIA Remodel it Right Expo
▪ BBB Military Line presentations at Schofield Barracks and Pearl Harbor
▪ Kui Aikane

BBB Accredited Business Services
• The Business Bulletin newsletter: 821 readers
• Webinars
▪ 10 Tips to Build Your Business’s Online Presence
▪ Managing Your Employees Effectively

BBB Accreditation
• New BBB Accredited Businesses: 13
• Businesses revoked of BBB accreditation: 0
• New BBBOnLine participants: 42
• New BBB Accredited Charities: 1

Visitors to Hawaii's BBB website: 32,403

Scams Targeting U.S. Military

9/13/2010

Posted on 9/13/2010 by

Service members are targeted by websites that claim to offer special military discounts on everything from cars to apartments for rent. But the low-priced car never arrives and the easy-to-find apartment they've rented is already occupied.

“[In] the military you have a young population on the web. They get caught up on these Internet scams, specifically targeted to them,” said Holly Petraeus, director of the Better Business Bureau’s military line and the wife of Gen. David Petraeus, commander of U.S. and NATO forces in Afghanistan.

Following are some of the most common military Internet scams:

Online Dating Scams
Protest Scams
Craigslist Car Scam
Military Loan Scams
Terrorist Capture Scam
Housing Scams

The BBB outlines several tips to protect yourself from becoming a victim of military scams:
-- Always research a company with the BBB before you hand over any money or personal information.
-- Be sure keep your computer protected by installing updated anti-virus software.
-- Observe the golden rule of avoiding scams: if a deal sounds too good to be true, it probably is.

Full article: http://www.foxnews.com/us/2010/09/08/scammers-target-military-scams-know/

BBB Advice on Reducing Junk Mail

9/13/2010

Posted on 9/13/2010 by

Junk mail is a nuisance for many people who receive daily postcards, flyers, specially marked envelopes, and pre-approved credit card offers. Junk mail also presents an opportunity for ID thieves to steal recipients’ personal information.

Fortunately, there are several ways you can reduce the amount of unwanted mail you receive and the risk of identity theft.

To reduce the chance of junk mail being used for ID theft, shred what contains personal information before it is discarded and reduce the amount of unwanted mail you receive by following the steps below. Depending on the type of mailing and opt out method used, it Can take anywhere from six weeks to six months to see a reduction in the junk mail

Pre-Approved Credit Card Offers
Discarded or stolen pre-approved credit card offers make it easy for identity thieves to open fraudulent accounts.

To opt-out of receiving pre-approved credit card offers for five years or permanently, call 1-888-5-OPTOUT (567-8688) or visit www.optoutprescreen.com. You will be asked for personal information, including name, address, birth date and Social Security number. The information is used to process requests and will remain confidential.

Direct Marketing
Direct Marketing Association (DMA) is a trade group with member companies that use telephone, mail, and the Internet to pitch their products directly to consumers.

To stop receiving mailings from DMA members, go to www.DMAchoice.org.

Mail-Order Catalogs
If your mailbox is overrun with catalogs, it’s likely because you made a catalog or online purchase from a company that gave your contact information to associated marketers or catalog distributers.

Abacus is a company that warehouses and shares purchasing information about consumer and business buyers among catalog distributors and mail order companies. To remove your address from its database, complete the form at http://www.abacusoptout.com.

To stop individual catalogs, call the toll-free number provided to place an order and ask to have your address removed from the mailing list.

Offers Addressed to “Resident” or “Occupant”
With a database of 150 million U.S. household addresses, Valassis supports thousands of advertisers worldwide.

To remove your address from “resident” and “occupant” mailings, call 1-800-437-0479 or use the Valassis online form.

Coupon Packs
You can remove your address from the Valpak mailing list online through its mailing list removal request form. To get only the coupons you want, select and print coupons by geographical location at the Valkpak website.

Requests to opt out of other coupon packs can be directed to the sender on the envelope received.

Offers Mailed to Children
If a child under age 13 is being mailed advertisements or credit card offers, it could be a sign that identity theft has occurred. Parents should contact the three major credit reporting bureaus to provide details about the situation.

Equifax: 1-800-525-6285
Experian: 1-888-397-3742
TransUnion: 1-800-680-7289

For more trustworthy advice to protect your identity, visit www.bbb.org

BBB Small Business Advice: Reduce the Damage of a Data Breach

9/10/2010

Posted on 9/10/2010 by

Data breaches at businesses—as opposed to the government or non-profit sector—are on the rise. BBB recommends that small business owners take steps to protect their data and also develop a plan of action in order to react quickly and reduce the damage if a data breach does occur.

There were more than 498 reported data breaches in 2009, according to the Identity Theft Resource Center. While this is an improvement from the 657 breaches in 2008, unfortunately, the share of data breaches occurring in the business sector, specifically, increased to 41 percent.

“Even when a company takes all necessary precautions, a data breach can occur as the result of a malicious attack or employee error,” said Alison Southwick, BBB spokesperson. “The key to limiting the damage—and retaining customer trust—is to develop an action plan in case a data breach does strike your business.”

Resolving a data breach can be costly to a business, not only because of the time and energy spent resolving the issue, but also due to the number of customers whose trust in the business was lost in the wake of the breach. According to U.S. Cost of a Data Breach Study released by PGP Corporation and the Ponemon Institute, data breach incidents cost U.S. companies $204 per compromised customer record.

BBB recommends that small business owners take the following steps to prepare the business and reduce the damage in the event of a data breach:

Create a Data Breach Notification Policy
A data breach notification policy tells consumers how your business will notify customers if a data breach occurs. Consider informing consumers that you will notify them through a quicker and relatively inexpensive method (e.g., e-mail or publication) instead of a more expensive method (e.g., US mail). However, there are state-specific laws on the notification delivery method, so consult with an attorney before sending out any notices.

Train Your Employees to Identify Breaches
Employees need to know how to spot a potential breach and how to report this type of event. More information on the red flags of a data breach is available in Chapter 7 of BBB’s new publication for small business owners, Data Security – Made Simpler.

Immediately Gather the Facts of an Alleged Breach
How and when did this occur? Was it an internal error or the result of a malicious attack? Determining the source of the breach quickly enables you to take immediate steps to reduce any further damage.

Notify Financial Institutions
If financial information, such as payment card numbers, was compromised, contact the bank or company that manages your payment card processing.

Seek Outside Counsel
Seek attorney assistance or guidance from a risk consulting company as soon as you become aware of an incident that might constitute a data security breach. Your attorney can help you identify which laws might be involved and whether you need to alert consumers or the government of the incident.

Notify Affected Customers
Notify them in the manner you said you would in your Data Security Policy. Explain what occurred, when it occurred and the specific steps you are taking to address the event

BBB and partners Symantec Corporation, Visa Inc., Kroll’s Fraud Solutions and NACHA – The Electronic Payments Association created Data Security–Made Simpler, an online resource to help small businesses implement key data security policies and practices.

Data Security—Made Simpler was created by BBB in collaboration with two nationally-recognized data security experts, Dana Rosenfeld and David Zetoony.

Small business owners can get additional free advice and tips on improving data security from BBB at www.bbb.org/data-security.

The Week in Tweets from Hawaii's BBB

9/10/2010

Posted on 9/10/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• Action Line Consumer Alert: Red flags when finding jobs through the internet http://ow.ly/2AHYU via @KHONnews

• Honolulu man bilked millions, targeted deaf in Ponzi scheme: http://ow.ly/2Bj0o

• RT @SCOREMentors: 12 expert ideas to keep your marketing edge in a depressed economy: http://ow.ly/2AHIY

• RT @RRW: "Here You Have" Email Virus Spreading Fast and Wreaking Havoc http://ow.ly/2CwIU

• Hawaii contractors: Renew your license online by 9/30 & get 25% credit on the fee: http://ow.ly/2ua6v

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Scammers Target Job Hunters in Weak Economy

9/7/2010

Posted on 9/7/2010 by

As the unemployment rate hovers around 10 percent, the Better Business Bureau warns that scammers are taking advantage of the opportunity by preying on the 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 Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “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.”

BBB recommends looking out for the following seven red flags when searching for a job:

Red Flag: 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 their BBB first at www.bbb.org.

Red Flag: 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. 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: 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: 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: 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: 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: 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.

The Week in Tweets from Hawaii's BBB

9/2/2010

Posted on 9/2/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• #FCC Facts on Unwanted Telephone Marketing Calls: http://ow.ly/2efEW

• The Business Bulletin from Hawaii's BBB: http://ow.ly/2qXQW

• RT @BusinessDotGov: You don't have to go it alone. 5 Tips for Finding & Working with a Business Mentor: http://ow.ly/2xvzu

• @WSJ reports credit card companies try to skirt regulations by offering business cards to consumers: http://ow.ly/2ydW0

• Only making minimum credit card payments? Use the Fed's calculator to see how long it takes to pay off: http://ow.ly/2wVOT

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Complaints to BBB About Satellite TV Reveal Grievances Over Terms of Agreement

8/31/2010

Posted on 8/31/2010 by

Before signing up with a satellite provider, read the contract closely to avoid unexpected charges.

HONOLULU (September 1, 2010) – In the past three years, more than 53,000 consumers have complained to the Better Business Bureau about satellite TV providers, with 39,000 of those complaints filed against DIRECTV and 13,000 filed against Dish Network. Many complaints result from fees and terms outlined in the customer agreement.

BBB advises those planning to make the switch to satellite to closely read the fine print.

According to company reports, DIRECTV has more than 18 million customers in the U.S. and Dish Network has more than 14 million. The complex policies and fees that are 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 Dwight Kealoha, chief executive officer of Hawaii’s BBB. “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.” Locally, Hawaii’s BBB has received nearly three dozen complaints from consumers regarding satellite TV providers.

Following are examples of common complaints BBB receives about satellite TV providers:

Early Termination Fees – Complainants report paying cancellation fees amounting to more than $600. Customers 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, customers claimed 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 that 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, BBB recommends that customers:

Get it all in writing. Don’t just take a sales, installation 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.
Closely check every bill. The sooner you spot billing problems, the better. Even if you have your account set up to automatically charge your credit card or debit your checking account, review your monthly bill for any new or unusual charges.
Mark your calendar. Remember important dates, such as when you need to cancel introductory promotions for premium channels and the end of your contract.
File a complaint with BBB. If you’re unable to resolve the issue with your satellite provider, file a complaint with BBB. Both Dish Network and DIRECTV consistently respond to complaints, and BBB has been able to help consumers receive refunds in many cases.

For more trustworthy consumer tips, visit bbb.org.

The Week in Tweets from Hawaii's BBB

8/26/2010

Posted on 8/26/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• You can opt out of online networks that track your web habits to tailor the ads you see: http://ow.ly/2uals #privacy

• BBB Warns Consumers To Avoid Credit Score Fixers: http://ow.ly/2uMes

• #Hawaii contractors: Renew your license online by 9/30 & get 25% credit on the fee: http://ow.ly/2rydh

• RT @BusinessDotGov: What aspects of biz law can you handle and when should you get a lawyer? http://ow.ly/2vrCB

• Trial offers can become monthly payments for stuff you don’t want. Learn how to avoid negative options: http://ow.ly/2uQP4

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

BBB Warns Consumers To Avoid Credit Score Fixers

8/25/2010

Posted on 8/25/2010 by
BBB is warning consumers to steer clear of a new scam that promises to improve consumers’ credit scores using a “credit protection number,” or CPN.

Scammers get the numbers by using computers to find dormant Social Security numbers—often those assigned to children. They sell the numbers to people who use them to establish phony credit and run up huge debts they will never pay off. To get around the law, scammers call the numbers credit profile, credit protection or credit privacy numbers (CPNs) rather than Social Security numbers.

In an Associated Press story, Linda Marshall, an assistant U.S. attorney in Kansas City, was quoted as saying the fraud could lead to another financial collapse. The Federal Bureau of Investigation has been working with lenders to alert them to the fraud, which was uncovered while investigating a mortgage fraud case.

In addition to fraud, the use of CPNs poses another danger to consumers: ruined credit scores for children and others whose Social Security numbers are used to perpetrate the fraud. The buyers open a new, unblemished line of credit, which they then use to build up their own rating in a process called piggybacking.

BBB advises parents to check credit reports for their children annually at annualcreditreport.com. If parents see unauthorized activity under a child’s Social Security number, they should alert authorities and credit reporting agencies.

This scam defrauds banks as well as consumers whose Social Security numbers are stolen. Authorities say they aren’t sure how widespread CPN fraud is, but they believe it could grow as Americans watch their credit scores sink to new lows. As of April, more than a quarter of consumers—nearly 43.4 million people—had credit scores of 599 or below, making them poor risks for lenders.

BBB advises consumers to take action to correct credit problems by paying bills on time and reducing the amount owed on credit cards. Other steps that can be taken include:

Contact your creditors at once and explain why you’re having trouble paying your bills. See if they will help you work out a manageable payment plan. Once arranged, follow it carefully. Don’t wait until your account has been turned over to a collection agency.
If you have been turned down or feel an error exists on your credit report, contact the reporting agency in writing and send your appeal by mail “return receipt requested.” Include your name, address, account number, dollar amount in question and the reason you believe the actions taken were wrong.
If in doubt, request written verification of the debt. Ask for a photocopy of the paperwork including the signature(s).
Keep receipts, sales slips and billing statements to make sure they match. You may need them if you dispute a bill or report. If the credit agency requests documents, send copies; never send your originals.
Be skeptical of companies that promise they can immediately solve your credit problems or “clean up your credit report.” There is nothing they can do for you for a fee that you cannot do for yourself at little or no cost.
Be persistent. If your credit file contains errors, you are entitled to have it investigated by the credit bureau. The credit-reporting agency must give you a written report of their investigation - and a copy of your report if the investigation results in any change. Inaccurate information must be corrected or deleted. Cleaning up errors on your credit report can take time and effort.

If you need help in developing a payment plan, nonprofit credit counseling agencies may provide help for little or no cost. Questions to ask the agency include:

Are the agency’s services confidential?
Will they devise a plan tailored to fit your needs?
Are the counselors certified?
Are budget and credit education opportunities offered?
Will your funds be protected? How?
Is the agency accredited? By whom?
Is there a charge for the service?

For more advice on avoiding fraud, visit bbb.org.

BBB Small Business Advice: Avoid Six Common Advertising Offenses

8/24/2010

Posted on 8/24/2010 by

Small business owners often have to add advertising and marketing to their long list of duties, and may be unaware of the various laws regarding common advertising claims. Creating an effective advertising strategy isn’t just about where and when ads are placed, but also what claims are being made. Hawaii’s BBB provides guidance on how to avoid common advertising offenses.

Following are six examples of commonly used phrases and tactics in advertising that are often misleading when not used properly:

“Free”
The word “free” may be used in advertising whenever the advertiser is offering an unconditional gift. If the shopper has to purchase an item in order to receive the free gift, the advertiser must clearly and conspicuously disclose the conditions. Also, an advertiser may not increase the price of the purchased item, nor decrease quantity or quality in conjunction with the free offer. Additionally, free offers should not be advertised when the item to be sold is customarily a negotiated-priced item such as an automobile or home.
“Save up to …”
Price reduction claims that cover a range of products or services should state both the minimum and maximum savings without a misleading emphasis on the maximum savings. Also, the number of items available at the maximum savings should comprise typically 10 percent of the items being sold unless local or state law requires otherwise.

“Lowest price in town,” “Our prices can’t be beat,” etc.
Prices for products and services fluctuate regularly and it can be extremely difficult for an advertiser to claim with certainty that their prices are lower than those offered by their competitors. Such claims should be avoided unless the advertiser can provide substantiation.

“Best,” “most,” “tops,” and other superlative claims.
Superlative claims can be objective statements based on fact, or subjective statements based on opinion. Objective claims relate to tangible qualities and performance that can be measured against accepted standards. When making objective statements, an advertiser must be able to substantiate all claims.

Obvious use of puffery—such as an advertiser stating they think they offer the best customer service in town—may not be subject to truth-in-advertising standards. However, advertising is all about trust from the consumer’s perspective and businesses should be vigilant against making subjective superlative claims that are misleading.

“Factory direct,” “Wholesale prices,” “Direct from the maker,” etc.
Claims such as these imply significant savings from the actual price being offered by retailers. These claims should not be made unless the implied savings can be substantiated. Furthermore, claims such as “factory to you” or “factory direct” should not be used unless the advertiser actually manufactures the merchandise or owns the factory where the advertised products are made. Similarly, an advertiser cannot falsely claim to be a wholesaler, nor can an advertiser claim to offer “wholesale prices” or items “at cost” unless the items are being sold at the same price as would be purchased by a retailer for resale.

* Use of asterisks.
Asterisks can be used in advertising if they offer additional information about a word or term that is not inherently deceptive. However, an asterisk or similar reference symbol cannot be used as a means to contradict or substantially change the meaning of the statement. The information referenced by the asterisk should also be clearly and prominently disclosed.

For more guidance on advertising, see the BBB Code of Advertising.

Small business owners and consumers can file a challenge or complaint regarding questionable advertising claims by contacting Hawaii's BBB.

BBB Warns Against Five Scams Targeting Senior Citizens

8/23/2010

Posted on 8/23/2010 by

HONOLULU (August 24, 2010) – Fraud targeting senior citizens is a growing concern as millions have fallen victim to scammers. BBB encourages families to keep the lines of communication open regarding finances and some common cons targeting senior citizens.

According to a June 2010 survey by Investor Protection Trust, more than 7.3 million senior citizens—roughly 20 percent of Americans aged 65 or older—have “been taken advantage of financially in terms of an inappropriate investment, unreasonably high fees for financial services, or outright fraud.”

“Having a serious conversation with your parents or grandparents about how they are managing their money is not easy, but it is extremely important in order to help protect them from crooks,” said Dwight Kealoha, chief executive officer of Hawaii’s BBB. “It’s extremely important to keep the lines of communication open so that you can identify suspicious spending habits, as well as educate your senior family members on recognizing the red flags of common cons.”

BBB warns against the following five scams that commonly target senior citizens:

Sweepstakes and Lottery Scams – Typically, a letter arrives in the mail stating the recipient has won a lottery or sweepstakes prize; it might even claim to be winnings from Publisher’s Clearing House or Reader’s Digest. The letter instructs the supposed winner to deposit an enclosed check and then wire a portion back to the company to cover taxes or administration fees. While the funds will initially show up in the bank account, the money will be removed when the bank determines the check is a fake. The victim is out whatever they wired back to the scammers—often amounting to thousands of dollars.

BBB Advice: Never wire money to someone you don’t know. You should never have to send money to claim a prize.

Medicare Scams – Navigating the Medicare system isn’t easy and some scammers will look for any opportunity to take advantage of the confusion. Commonly, a scammer will claim to be with Medicare and ask for personal information such as Medicare, Medicaid, Social Security, credit card or bank account numbers. The individual might be given any number of excuses to provide this information, including that an error needs to be fixed, that he or she is part of a survey or eligible to receive free products or can sign up for a new prescription drug plan.

BBB Advice: Remind family members that Medicare will never call to ask for sensitive personal financial information. If you suspect fraud contact your local police or the Health and Human Services Office of Inspector General at 1-800-HHS-TIPS.

Bereavement Scams – Scammers will often try to take advantage of the increased vulnerability of senior citizens who have recently lost a loved one, such as a spouse. In one recent example, a mother and daughter team in Ohio would find targets by scouring the obituaries. They would then call the widow or widower and claim that their spouse had outstanding debts that needed to be paid immediately. Victims would then provide a blank check or credit card number to repay the alleged debt.

BBB Advice: Offer help to family members if they have recently lost a loved one and are inexperienced in managing finances. If you are uncertain about owing a debt when collectors call, ask for written confirmation.

Deceptive Professionals – While many scams occur without direct personal contact, some scammers will be invited in the front door, including technicians, contractors, air duct cleaners and other service providers. Some professionals will lie about the extent of the problem or claim safety issues and then inflate prices for unsuspecting senior customers.

BBB Advice: Find professionals you can trust in the BBB Accredited Business Directory. Always research a company with BBB before you hand over any money, and report any deceptive services to your BBB, local law enforcement and the state Attorney General.

Investment and Work at Home Opportunities – Promises of easy money often target older adults because they may be looking to supplement their income. The pitch might come in the form of an investment opportunity that promises big returns, or as a way to make money at home for an upfront cost. Regardless of the specifics, the victim is offered what sounds like a great opportunity but the extra income never materializes.

BBB Advice: Always research any work at home opportunity with BBB. Beware of investment or money-making offers that seem too good to be true or use high pressure sales tactics to get you to sign up immediately.

For more trustworthy advice on avoiding scams and fraud visit www.bbb.org.

This Week in Tweets from Hawaii's BBB

8/19/2010

Posted on 8/19/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• You know how the old saying goes, LooksTooGoodToBeTrue.com can confirm it: http://ow.ly/2egZN

• If you use consumer credit info for any reason, follow the #privacy rules: http://ow.ly/2rtz0

• ID thieves love your unwanted credit card offers! Shred them & opt out of prescreened credit offers: http://ow.ly/2efJw

• New Credit Card Rules Effective Aug. 22: http://ow.ly/2s6Wy

• #TrustBrief: Mistakes to avoid when building your #biz, monitoring employees online at work, #smallbiz lending & more: http://ow.ly/2s4hJ

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

BBB Small Business Advice: Dispose of Office Electronics Safely

8/19/2010

Posted on 8/19/2010 by
Disposing of office computers, printers and copiers the right way not only helps protect the environment, it also thwarts the efforts of data thieves. Hawaii’s BBB details the three steps necessary for small business owners to dispose your office equipment safely and securely.

Electronics contain toxins such as lead, mercury and cadmium that—if merely tossed into a landfill—will eventually leach into nearby soil and water. According to the Environmental Protection Agency (EPA), 1.84 million tons of TVs, computers, printers, cell phones and other electronics were discarded primarily into landfills in 2007. Only 18 percent of discarded electronics were recycled that year, however, the EPA notes that e-cycling is growing in popularity perhaps due to mandatory programs in states such as Hawaii.

When tossing old electronics, consider both the environmental and data security concerns. Computers, cell phones and copiers not only contain toxic chemicals that can pollute the environment, they also contain a wealth of information that data thieves would love to get their hands on.

BBB recommends taking the following step to ensure that all hazardous and data sensitive office equipment is disposed of the right way:

Step 1: Identify hazardous and data-sensitive electronics.
The following office equipment contain toxic materials or sensitive data and should be recycled responsibly and not just tossed into the garbage:

Computer central processing units (CPU)
Mobile phones
Copiers, printers and fax machines
Monitors, keyboards, speakers and mice
Landline phones
Computer cables and wires
TVs, VCRs, DVRs and stereos

Step 2: Destroy sensitive data.
While most electronics have toxic components, some also contain sensitive business information stored in the product’s hard drive. Ensure that any data has been wiped before getting rid of the following electronics:

Computers: You can purchase inexpensive software to wipe a computer’s hard drive, but a person so determined could still retrieve the data. If you have sensitive information that you don’t want getting into anyone’s hands, the most secure way of destroying the data is to remove and physically destroy the hard drive.
Copiers and printers: Internal hard drives save digital copies of the documents processed. Consult the manual to find out how to clear the memory; you can also use third-party software to wipe the hard drive. The most secure way of erasing data is to physically destroy the hard drive. If you are leasing the equipment, ask the company how your data will be erased.
Mobile phones: Check owner’s manual or search online for directions on how to wipe the phone’s memory. Remove the SIM card if your phone has one.

Step 3: Dispose properly.
Depending on the condition of the item, retailer, manufacturer and Hawaii state laws, following are the main disposal methods to consider:

Donate: Schools, charities and community organizations can use your electronics as long as they are in proper working condition. Your donation may even be tax deductible.
Recycle: There are businesses and organizations that break down and recycle old electronics for free. They usually have drop off locations or you may even be able to schedule a pick up if you have many heavy items.
Hawaii state law requires manufacturers of electronics such as computers, printers, monitors and televisions to operate recycling programs, and electronics retailers must provide customers with information on recycling programs offered by manufacturers.
Get details about the Hawaii Electronic Waste and Television Recycling and Recovery Law.
Return: Manufacturers such as Canon and Apple, and retailers including Best Buy and Costco have “take back” programs to help customers recycle their old products safely and cheaply. Every major cell phone carrier will also take your old cell phone and donate it to a charity or have it disposed of properly.
See the EPA’s list of manufacturer and retailer programs.
Resell: You may be able to make a little money selling your electronics. Be wary of buyers who overpay or ask you to wire money.

For more small business advice on how to manage data check out BBB’s Data Security—Made Simpler.

New Credit Card Rules Effective Aug. 22, 2010

8/19/2010

Posted on 8/19/2010 by
More new rules from the Federal Reserve mean more new credit card protections for consumers. The Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 made changes to the credit card industry earlier this year and a new set of rules are just a few days away. Hawaii’s BBB explains what these new consumer protections mean to cardholders across the United States.

As of Aug. 22, 2010, credit card companies are prohibited from imposing unreasonable penalties, and must provide an explanation and reconsideration of interest rate increases. Some of the key changes you should expect from your credit card company:

Reasonable late-payment penalty fees. Credit card issuers are prohibited from charging a penalty fee of more than $25 for the first and $35 for subsequent account violations in the following six months. In addition, penalties cannot exceed the dollar amount associated with the violation. For example, if you are late making a $20 minimum payment, the fee cannot exceed $20.
No more inactivity fees. Charges based on not using the account to make new purchases are now prohibited.
One penalty limit. You cannot be charged multiple penalty fees based on a single late payment or other violation of the account terms.
Explanation of rate increases. Your credit card company must explain any annual percentage rate (APR) increases.
Reconsideration of rate increases. For any rate increase since January 1, 2009, your credit card company is required to evaluate whether the reasons for the increase have changed and, if appropriate, to reduce the rate. Credit card issuers must re-evaluate a rate increase every six months and any rate reductions must occur within 45 days after completing the evaluation.

To learn more about credit card rules and related consumer protections, visit the Federal Reserve Board website.

Seven Tips for College-Bound Students to Fight Identity Theft

8/16/2010

Posted on 8/16/2010 by
HONOLULU (August 17, 2010) – College students have enough to juggle when it comes to school, work and their social life, and fighting fraud often doesn’t make their list of priorities. Because college students are so susceptible to identity theft, BBB recommends that they take seven simple steps to protect themselves on campus.

According to the 2010 Identity Fraud Survey Report released by Javelin Strategy and Research, more than 11 million people were victims of identity theft in 2009. Young adults aged 18-24 took the longest to detect identity theft—132 days on average—when compared to other age groups. Subsequently, the average loss ($1,156) was roughly five times more than the amount lost by other age groups.

“Identity thieves don’t care if you’re a struggling student without a penny to your name; sometimes all they want is to exploit your clean credit record,” said Dwight Kealoha, chief executive officer of Hawaii’s BBB. “Young adults who establish good habits for monitoring and detecting fraud are laying the foundation to make smart consumer decisions for the rest of their lives.”

BBB recommends that college-bound students take the following steps to fight identity theft 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 post office box.
Important documents should be stored under lock and key, such as in a filing cabinet. This includes your Social Security card, passport, and financial statements. Shred any paper documents that contain sensitive information rather than just tossing them out. Also, shred any unwanted 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 a friend wants you to co-sign for a loan or other financing agreement.
Make sure your computer has up-to-date antivirus and spyware software. Always install any updates and patches for your computer’s operating system or browser to help keep your computer safe from online identity theft tactics.
Always check your credit and 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. When you see the BBB Accredited Business seal and other online trust seals, click on them to confirm that they are legitimate.
At least once a year, check your credit report for any suspicious activity or inaccuracies with all three reporting bureaus. You can do this for free by visiting annualcreditreport.com.

For more trustworthy advice on protecting your identity and fighting fraud, visit bbb.org.

Glitch may have doublecharged AAFES customers

8/16/2010

Posted on 8/16/2010 by

Customers who swiped their credit cards or debit cards at an Army and Air Force Exchange Service store anytime between Aug. 7 and Aug. 9 may have been charged twice for the same transaction.

AAFES officials are urging customers to review their accounts.

Transactions at all AAFES facilities — main stores, gas stations, uniform shops — as well as purchases made through the online store, may be affected.

Full article: http://www.armytimes.com/news/2010/08/military-aafes-glitch-overcharges_081210w/

This Week in Tweets from Hawaii's BBB

8/13/2010

Posted on 8/13/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• German Schools to Teach Online Privacy, Media Literacy: http://ow.ly/2n8Ff #privacy

• #Hawaii contractors: Renew your license online by 9/30 & get 25% credit on the fee: http://ow.ly/2na15

• Complaints that fail: 5 e-mails to avoid: http://ow.ly/2nb4G

• Tips for Selling Gold and Jewelry: http://ow.ly/2nLuj

• RT @PCATTTweet: Email vs Social-Media Marketing: Which is Stronger to Woo Consumers? http://ow.ly/2nMax

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Hawaii's BBB Activity Report for July 2010

8/11/2010

Posted on 8/11/2010 by

A monthly summary of activities at Hawaii's BBB.

Most Complained About Businesses
Type of Business	Complaints
Auto Dealers – New Cars	14
Major Appliance Service & Repair	11
Airlines	6
Banks	6
Travel Clubs	6
Toys - Retail	6
Restaurants	5
Hotels	4
Timeshare Companies	4
Movers	4

Top Complaint Issues	Complaints
Customer Service	34
Service Quality	32
Billing or Collection	31
Repair	27
Sales Practice	26
Refund or Exchange	24
Delivery	18
Contract	15
Advertising Claim	14
Product Quality	13
Guarantee or Warranty	7

Complaints about Hawaii businesses: 196

Most Asked About Businesses
Type of Business	Inquiries
General Contractors	984
Pest Control Services	932
Electrical Contractors	809
Roofing Contractors	784
Travel Agencies & Bureaus	744
Plumbing Contractors	699
Travel Clubs	686
Wedding Consultants	663
Auto Body Repair & Painting	661
Construction & Remodeling Services	495

Inquiries about Hawaii businesses: 32,043

BBB Consumer Services
• Complaints opened: 244
• Requests for information: 41,046
• Requests for BBB Accredited Business lists: 8,239
• BBB consumer programs, participation and presentations:
▪ National Active and Retired Federal Employees Association, Lanakila chapter
▪ BBB Military Line presentation at Pearl Harbor

BBB Accredited Business Services
• The Business Bulletin newsletter: 814 readers
• Webinars
▪ You Survived the Great Recession. Are You Ready to Recover?
▪ Making the Move from Traditional to Online Marketing

BBB Accreditation
• New BBB Accredited Businesses: 19
• Businesses revoked of BBB accreditation: 0
• New BBBOnLine participants: 34
• New BBB Accredited Charities: 1

Visitors to Hawaii's BBB website: 33,919

CARU Asks Parents: "Do You Really Know Where Your Children Are on the Internet?"

8/11/2010

Posted on 8/11/2010 by

New York, NY – August 11, 2010 –The Children’s Advertising Review Unit (CARU) of the Council of Better Business Bureaus, Inc., recently launched its first public service announcements, cautioning parents to be alert to their children’s activities on the Internet.

The spots feature Catherine Hicks, star of the family drama “Seventh Heaven,” and recast the time-honored broadcast message “It’s 10 p.m. Do you know where your children are?” to reflect contemporary concerns about the privacy and safety of children on the Internet.

“As a learning tool, the Internet provides an amazing depth and breadth of information about the world. As an entertainment vehicle, it can offer experiences that are creative, engaging and fun,” said CARU Director Wayne J. Keeley. “But beyond the boundaries of age-appropriate Web content is territory that is far less benign. It is critical that parents know where their children go on the Internet.”

The PSAs feature three scenarios:

The first spot features young girls viewing an Internet fan-club site. One child calls out to her nearby parent, “Hey, Dad, what’s your credit card number?” “Credit card number?” asks the father, alarmed.
The second depicts young boys viewing a gaming site that requires registration. “Hey, Dad, what’s my Social Security Number?” says one child. “Social Security Number?” asks the worried father.
The third spot features girls viewing a social-networking site where one has just posted a questionable picture. As one girl says “I am glad my mother doesn't have an account,” her mother walks in, sees the picture and states, “We have to talk.”

In all three spots, Ms. Hicks asks the question: “Do you know where your children are on the Internet?”

The PSAs then direct parents to CARU’s website, where there is a wide range of information on Internet safety in the “Parents’ Corner” at www.caru.org.

Watch the PSAs: http://www.youtube.com/user/CARUSelfRegulation.

---------
CARU is the self-regulatory forum for the children’s advertising industry. CARU’s self-regulatory program sets high standards for the industry to assure that advertising directed to children is not deceptive, unfair or inappropriate for its intended audience.

CARU’s standards are embodied in principles and guidelines first adopted by CARU in 1975 and periodically updated to address changes in the marketing and media landscape. In addition to monitoring ads in all media for compliance with its guidelines, CARU staff also review Websites directed to children to assure compliance with CARU’s guidelines and the federal Children’s Online Privacy Protection Act (COPPA).

In the past three years, CARU has issued nearly 70 decisions on Website safety and online privacy; Internet-related cases account for one-third of CARU’s caseload. CARU’s decisions are available at www.narcpartners.org.

CARU Public Service Announcement Asks Parents: "Do You Really Know Where Your Children Are on the Internet?"

8/11/2010

Posted on 8/11/2010 by

New York, NY – August 11, 2010 –The Children’s Advertising Review Unit (CARU) of the Council of Better Business Bureaus, Inc., recently launched its first public service announcements, cautioning parents to be alert to their children’s activities on the Internet.

The PSAs can be viewed at: http://www.youtube.com/user/CARUSelfRegulation.

The spots feature Catherine Hicks, star of the family drama “Seventh Heaven,” and they recast the time-honored broadcast message “It’s 10 p.m. Do you know where your children are?” to reflect contemporary concerns about the privacy and safety of children on the Internet.

“As a learning tool, the Internet provides an amazing depth and breadth of information about the world. As an entertainment vehicle, it can offer experiences that are creative, engaging and fun,” said CARU Director Wayne J. Keeley. “But beyond the boundaries of age-appropriate Web content is territory that is far less benign. It is critical that parents know where their children go on the Internet.”

The PSAs feature three scenarios:

The first spot features young girls viewing an Internet fan-club site. One child calls out to her nearby parent, “Hey, Dad, what’s your credit card number?” “Credit card number?” asks the father, alarmed.
The second depicts young boys viewing a gaming site that requires registration. “Hey, Dad, what’s my Social Security Number?” says one child. “Social Security Number?” asks the worried father.
The third spot features girls viewing a social-networking site where one has just posted a questionable picture. As one girl says “I am glad my mother doesn't have an account,” her mother walks in, sees the picture and states, “We have to talk.”

In all three spots, Ms. Hicks asks the question: “Do you know where your children are on the Internet?”

The PSAs then direct parents to CARU’s Website, www.caru.org, where there is a wide range of information available to parents on Internet safety at CARU’s “Parents’ Corner.”

The PSAs are currently running:

On WABC-TV, which serves the largest market in the country – New York, New Jersey and Connecticut. The PSAs have been broadcast during Good Morning America, Rachel Ray and Live with Regis and Kelly and will continue to air.

“"WABC-TV is committed to the safety of the children in our community and airing this psa allows us to reinforce the importance of children's safety on the internet,” said Saundra Thomas Vice-President of Community Affairs.

On Discovery Kids’ “family-prime” evening programming which includes the shows “Timeblazers,” “Mystery Hunters” and “The Saddle Club.”

“The folks at the Hub and Discovery Kids are delighted to help CARU get this critical message out to parents; know where your children are... in the real world and the virtual world of the Internet,” said Margaret Loesch, President and CEO, The Hub.

CARU is the self-regulatory forum for the children’s advertising industry. CARU’s self-regulatory program sets high standards for the industry to assure that advertising directed to children is not deceptive, unfair or inappropriate for its intended audience.

CARU’s standards are embodied in principles and guidelines first adopted by CARU in 1975 and periodically updated to address changes in the marketing and media landscape. In addition to monitoring ads in all media for compliance with its guidelines, CARU staff also review Websites directed to children to assure compliance with CARU’s guidelines and the federal Children’s Online Privacy Protection Act (COPPA).

In the past three years, CARU has issued nearly 70 decisions on Website safety and online privacy; Internet-related cases account for one-third of CARU’s caseload. CARU’s decisions are available at www.narcpartners.org.

Hawaii’s BBB Offers Tips for Selling Gold and Jewelry

8/10/2010

Posted on 8/10/2010 by
HONOLULU (August 10, 2010) – With the tight economy and continued high unemployment rates, more and more people are considering selling their gold and jewelry for extra cash or to make ends meet. While the lure of cashing in on old or broken jewelry is strong, there are some things you should be aware of before sending your merchandise away or making any deals.

“Selling single earrings, little-worn novelties, or other pieces of jewelry that are of little sentiment may seem like an easy to make some quick cash,” said Dwight Kealoha, chief executive officer of Hawaii’s BBB. “But consumers should do their research and consider their options before making that trip to the jewelry store or sending off the valuables in an envelope.”

BBB reminds consumers:

Not all jewelry is created equal. Selling mismatched or broken pieces for scrap can be worthwhile. However, some jewelry may be worth more than for its gold content alone. Intricate, designer and gemstone items should be appraised, and may fetch a better price from a jeweler or at an auction.
Resale value will likely be less than purchase amount. Jewelry purchased in a retail setting is marked up according to production costs and other factors. When you sell gold, you are getting close to the wholesale price.
Prices fluctuate. The value of gold is not a set price, nor is it regulated, so it’s in your best interest to shop around. Try to visit prospective buyers on the same day, as the price of gold is subject to change daily.
Mail transactions limit options. Be aware that some cash for gold by mail offers will value your items and send a check without an opportunity to reject their offer.

BBB also offers the following advice if considering selling gold for cash:

Deal with a local business that pays for gold or buys used jewelry. Getting an appraisal for jewelry is a good way to know what the actual value of your merchandise. Do not be afraid to ask for the karat information and weight in pennyweights or Troy ounces. This information is valuable in determining the market value of the jewelry sold.
Shop around, locally. Selling to local jewelers makes it easier to research and understand their credibility, processes, and going rates. Check the BBB Reliability Report of any business offering cash for gold.
Be prepared to show your identification. In accordance with the 1979 Anti-Fencing Law, a buyer is required to check the driver’s license or other official identification of anyone selling them gold. Details are available on the U.S. Department of Justice website at www.usdoj.gov.
Use a tracking system. Be cautious if you’re mailing your gold to an out of state buyer. Pay the shipper the extra amount that allows you to track your package and/or send your items certified. You will also want to insure your merchandise.
Research the value of gold coins. If selling gold coins be aware that many have value beyond their weight in gold. Consult a coin collector’s book or do some research on the Web before selling your coins.

For more trustworthy consumer tips, visit bbb.org.

You Too Can Donate Like a Billionaire

8/6/2010

Posted on 8/6/2010 by

Arlington VA - Forty billionaires have pledged to donate a substantial portion of their wealth to charity with the hope of inspiring others to donate to worthy causes as well. While the dollar amount might be less, the BBB Wise Giving Alliance 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 H. Art Taylor, President and CEO of the BBB Wise Giving Alliance. “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 Wise Giving Alliance recommends the following five steps to give like a billionaire:

Take the time to check the organization out with the BBB Wise Giving Alliance and the local charity registration office (usually a division of the state attorney general's office). 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 BBB’s Standards for Charity Accountability to identify fundamental features of an accountable 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 as a ruse 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 Wise Giving Alliance
The BBB Wise Giving Alliance produces reports on over 1,200 nationally soliciting charitable organizations. The BBB Wise Giving Alliance does not rank charities but rather seeks to assist donors in making informed judgments by providing objective evaluations of national charities based on 20 strict standards. The outcomes of the evaluations—or BBB Wise Giving Reports™—are available online at www.bbb.org/charity. The BBB Wise Giving Alliance is an affiliate of the Council of Better Business Bureaus.

Robocall Ban in Effect: Most Telemarketers Need Your OK for Prerecorded Calls

8/6/2010

Posted on 8/6/2010 by

As of today, unwanted prerecorded commercial telemarketing calls—or “robocalls”—are against the law. Unless the seller has written permission from consumers who want to receive such calls, telemarketers using prerecorded messages will face penalties of up to $16,000 per call.

The Federal Trade Commission (FTC) developed this rule in response to complaints about robocalls offering a range of dubious services, such as offers to lower credit card interest rates or calls claiming that the consumer’s auto warranty is set to expire. People also reported getting several calls a day, despite being on the National Do Not Call Registry.

The new rule applies to calls that attempt to interest consumers in the sale of goods or services, even if they previously have done business with the seller. The rule does not prohibit calls that deliver purely “informational” recorded messages, such as calls from politicians, banks, telephone carriers, and charitable organizations, as well as automated health care messages or debt collection notices.

When the law was first announced, FTC Chairman Jon Leibowitz said, “Starting September 1, this bombardment of prerecorded pitches, senseless solicitations, and malicious marketing will be illegal. If consumers think they’re being harassed by robocallers, they need to let us know, and we will go after them.”

If you receive unwanted robocalls, Hawaii’s BBB offers the following advice:

Report it to the FTC online or call 1-877-382-4357.
Register your home and cell phone numbers on the National Do Not Call Registry Web site or by calling 1-888-382-1222.
File a complaint with Hawaii’s BBB.

For more consumer advice you can trust, start with bbb.org.

This Week in Tweets from Hawaii's BBB

8/6/2010

Posted on 8/6/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• Twitter's sending password resets to those using suspicious 3rd party follower-adder sites. Read following rules: http://ow.ly/2k3ge

• New ID theft targets kids' SS numbers: http://ow.ly/2k4nV #IDtheft

• #Biz tip: RT @HarvardBiz: Are You Asking (Everyone) the Right Question? http://ow.ly/2l3CG

• Something fishy? Got ripped off? Use "I want to report a scam" & tell us: http://ow.ly/2l3TJ

• Local reports of robocall offers to reduce credit card interest. Robocalls are illegal. Know what to do if you get one: http://ow.ly/2mcxH

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Beware of Deceptive Auto Loan Modification Offers

8/5/2010

Posted on 8/5/2010 by

Ads on TV may promise to modify car loans and stave off a visit from the repo man, but some companies fail to carry through on their promises. BBB recommends that cash-strapped consumers save their money by trying to work out a deal with the lender directly before paying out hundreds in upfront fees to a loan modification company.

More than 1.9 million cars were repossessed by lenders in 2009 according to Manheim Auctions. Some businesses see an opportunity in the increased number of repossessed cars and claim that—for a large up-front fee—they can work with the lender to modify the terms of the loan for the borrower.

If you’re having a hard time making payments on your auto loan and are considering assistance from a loan modification company, BBB recommends that you:

Start with your lender. Lenders are often eager to work out a more convenient payment plan because it’s in their best interest to keep you paying your bill.

Do your research. If you are planning to enlist the help of a third party to modify your loan, research the company with your BBB first. The business’s BBB Reliability Report will tell you how many complaints BBB has received, if the company has responded to complaints and if there are any government actions or lawsuits against the business.

Beware of advance fees. Large fees in advance should be considered a red flag even if the company claims to offer a money-back guarantee if they are unsuccessful.

Get it in writing. Ask for documentation from the company. Be sure it discloses the services they will provide and their terms including refund policies and any money-back guarantees.

Complain to BBB. If you feel you’ve been misled by a loan modification business, file a complaint with your BBB online. Even if the business is unwilling to resolve the issue, your complaint will serve as a warning to other consumers about that business.

Visit bbb.org for more trustworthy advice on managing personal finances.

100K Eligible Troops Could Miss Stop-Loss Pay

8/5/2010

Posted on 8/5/2010 by

A key lawmaker behind the creation of a monthly $500 stop-loss allowance says the Defense Department may not be doing enough to try to locate separated service members who are now on the brink of losing the right to apply for the money.

Sen. Frank Lautenberg, D-N.J., chief Senate sponsor of legislation that created retroactive stop-loss allowances, said only about 25,000 of the more than 145,000 eligible service members and veterans have applied for and received payments.

There is an Oct. 21 deadline to apply for payments, and Lautenberg expects an all-out push from the military using “every available outlet” to warn people they could be losing the money.

Read the ArmyTimes article: 100K eligible troops could miss stop-loss pay

Warning to Hawaii Restaurants About Recent Health Inspector Scams

8/5/2010

Posted on 8/5/2010 by
The Hawaii State Department of Health (DOH) reports that fake health inspectors are contacting local restaurants and may be trying illegally to obtain sensitive information about restaurant employers or employees. Call the DOH to verify inspector identities and let Hawaii's BBB now if you are contacted by a fake DOH inspector.

As of August 4, DOH Sanitation Branch offices recieved two Oahu and three Maui reports of male caller(s) contacting local restaurants claiming to be from the local health department investigating a complaint. The caller stated that the DOH has received complaints regarding the establishment and would be coming at a later date to make an inspection. Similar scams are occurring on the Mainland in an effort to obtain sensitive information about employers/employees.

The DOH typically does not call a food establishment prior to a routine inspection or when investigating a complaint, and DOH health inspectors must always wear or display their DOH issued identification before entering an establishment. Only DOH sanitarians and food and drug inspectors enter food establishments to investigate health-related complaints or to make routine inspections.

Restaurants are urged to ask for proper identification and
call the DOH if they have any doubts:

If the person claims to be a a sanitarian (health inspector), call the DOH sanitation branch at 586-8000.
If the person claims to be a food and drug inspector, call the DOH Food and Drug Branch at 586-4725.
Neighbor Island health offices:

Hilo: 933-0917
Kona: 322-1507
Kauai: 241-3323
Maui: 984-8230

Use "I want to report a scam" and let Hawaii's BBB know if your restaurant has received a suspicious call.

Full DOH news release.

Five Steps to Protecting Your Business When Banking Online

8/4/2010

Posted on 8/4/2010 by
Online banking has made it easier and more convenient to manage business finances, but it also provides an opportunity for hackers to gain access to business accounts with the goal of making unauthorized money transfers. BBB recommends small business owners implement a few simple steps to keep their financial information and transactions secure when banking online.

Initiate a "dual control" payment process with your bank and employees. Ensure that all payments are initiated from your bank accounts only after the authorization of two employees. One employee will authorize the creation of the payment file and a second employee will be responsible for authorizing the release of the file. This process should be in place regardless of the type of payment being initiated, including checks, wire transfers, fund transfers, payroll files, and ACH or other payment methods.
Have dedicated workstations.
Restrict the use of certain workstations and laptops solely for online banking and payments, if possible. For example, a workstation or laptop used for online banking should not be also used for Web browsing or social networking.
Use robust authentication methods and vendors.
Make sure your financial service providers allow for "multi-factor authentication." This means that you need more than just a user name and password to access your account.
Update virus protection and security software.
Ensure that all anti-spyware, anti-malware, and security software and mechanisms are robust and up-to-date for all computer workstations and laptops used for online banking and payments. Implement a process to periodically confirm they remain up-to-date. Security patches are often available via automatic updates.
Reconcile accounts daily.
Monitor and reconcile accounts daily against expected credits and withdrawals. If you see any kind of unexpected activity on your account, notify your financial institution immediately.

Small business owners can get additional advice and tips on improving data security with BBB's Data Security—Made Simpler.

BBB Advice: Learn to Spot and Avoid Online Job-Search Scams

8/3/2010

Posted on 8/3/2010 by

As much as the Internet has made searching for jobs easier, it also provides an opportunity for ID thieves and scammers to take advantage of eager—and unsuspecting—job seekers. BBB is providing guidance that will help people spot the most common red flags associated with online job-search scams.

Following are seven red flags BBB advises jobs hunters to be on the look out for when using online resources:

Red Flag: Employer e-mails are rife with grammatical and spelling errors.
Most online fraud is 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: E-mails purporting to be from job posting websites claiming there’s a problem with your account.
After creating a user account on sites like Monster.com or Careerbuilder.com, a job hunter might receive an e-mail saying there has been a problem with their account or they need to follow a hyperlink to install new software. Phishing e-mails like this are designed to convince readers to click a link within the message to fix the issue, but actually take them to a website that will install malware or viruses on their computer.

Red Flag: An employer asks for extensive personal information, such as your 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 or excuse given by the employer, a job applicant should never give out his or her Social Security or bank account numbers over the phone or e-mail.

Red Flag: An employer offers the opportunity to become rich without leaving home.
While there are legitimate businesses that allow employees to work from home, there are also a lot of scammers trying to take advantage of people looking to make money at home. Job hunters should use extreme caution when considering a work-at-home offer and research the company with BBB first.

Red Flag: An employer asks for money upfront.
Aside from paying for a uniform, it is rarely advisable for an applicant to pay upfront fees or make a required purchase to get a job. In 2007, the Metropolitan Dallas BBB uncovered a scam where job hunters were told they had to pay for a background check before they could be considered for a cleaning job. After paying for the background check, the job seeker never heard from the company again.

Red Flag: 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 experience in order to lure unsuspecting job hunters into their scam.

Red Flag: The job requires the you to wire money through Western Union or MoneyGram.
Many phony jobs require the prospective 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.

For more trustworthy advice on employment scams, and what to do if you become a victim of ID theft or fraud related to a job opportunity, go to bbb.org.

This Week in Tweets from Hawaii's BBB

7/30/2010

Posted on 7/30/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• 5 Ways to Waste Money at Your Business: http://ow.ly/2gO5n

• Aloha Hawaii's newest BBB Accredited Businesses: http://ow.ly/2gOFG

• Have a complaint about a business? See how we can help: http://ow.ly/2hseK

• RT @clarkhowardshow: ATM skimmer #scams are back! Here's one thing you must do before using an ATM: http://ow.ly/2hsmK

• #Biz tip: 5 Simple Lessons About Marketing, Strategy: http://ow.ly/2iue0

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

BBB Advice on Disposing of Computers Safely and Securely

7/30/2010

Posted on 7/30/2010 by

According to the Environmental Protection Agency, more than 250 million computers will become obsolete in the next five years—many ending up in landfills—but it doesn’t mean that old technology is worthless. Many organizations and people, from charities to identity thieves, would love to get their hands on discarded computers, and Hawaii’s BBB offers the following advice on how to dispose of an old computer safely and securely.

Simply tossing a computer out with the trash is a bad idea for two reasons. Not only does a computer store personal and financial information that a consumer wouldn’t want getting into the hands of ID thieves, but it is also composed of heavy metals and toxins that are extremely hazardous to the environment.

Selling an old computer as-is is one choice, but given that technology becomes obsolete so quickly, getting much money for it can be difficult. There are also recycling services that will take old computers and either refurbish them or take them apart and dispose of the non-valuable pieces properly.

Another option is donating old computers to charity. The donation is tax deductible and it can help a good cause. Hawaii’s BBB charity directory has information on more than 120 local charities that may make good use of your old computer.

Regardless of whether someone plans to donate an old computer to charity, sell it or send it off to be recycled, it’s important that they completely erase all personal data and information from the computer in order to prevent ID theft. Simply deleting files or reformatting the hard drive is not enough since someone with a basic understanding of computers will still be able to retrieve key information.

There are several free software programs available for download online that will erase—or wipe—information effectively enough to prevent ID theft. Also, many operating systems and some anti-virus software already come with a wiping feature. Keep in mind that data on personal computers is never completely erased and the only way to completely wipe out information is to physically destroy the hard drive.

For more advice you can trust on ID theft prevention and for guidance on what to do if your identity is stolen, start at bbb.org.

Hawaii's BBB Warns of Phishing Scam Disguised as FDIC E-mail

7/27/2010

Posted on 7/27/2010 by

Hawaii’s BBB is warning people not to open an e-mail claiming to be from the Federal Deposit Insurance Corporation (FDIC). If you get one of these scam e-mails, DO NOT open it or click on the link inside.

The subject line advises recipient to check their coverage and the e-mail includes a link to a Web site masquerading as the FDIC site. The e-mail includes instructions to check the account "Deposit Insurance Coverage" by downloading and opening “your personal FDIC Insurance File." However, doing so installs a malicious file on the user's computer.

If you or someone you know gets one of these scam e-mails, contact Hawaii's BBB.

Hawaii's BBB has these tips to avoid phishing scams:

• Know that financial institutions, government agencies and other officials will never request your personal information by e-mail.
• If you receive an e-mail from an unknown source, don’t open it or click on any links or files attached.
• Make sure your anti-virus and anti-spyware software are up to date and all operating system security patches are installed.

Get more tips to avoid phishing scams at BBB’s online video library and bbb.org.

Alert: An Old Phishing Scam Using the BBB Name is Targeting Businesses

7/27/2010

Posted on 7/27/2010 by

BBB is warning businesses about a phishing scheme that spoofs a BBB complaint. These e-mail messages are not coming from any entity connected to the BBB system. This scam has been around for a while but it's resurfaced.

The subject line reads “BBB Complaint Case #” followed by a nine-digit number. Both BBB Accredited Businesses and non-accredited businesses have been targeted. Beware of fake complaint reports coming from seatac@bbb.org.

The body of the e-mail claims that the company did not respond to a complaint filed by a Jason Harlow (however other names may be used) and includes a link to a page at www.ca-bbb.org where the business can supposedly review the complaint.

Because the message is fraudulent, 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, and
Run a full virus scan on your computer if you did click on any links.

If you receive an e-mail from Better Business Bureau about a complaint filed against your business and need assistance in determining whether or not it is legitimate, contact Hawaii's BBB.

SAMPLE BELOW:

BBB Warning on Three Scams Targeting Job Hunters

7/27/2010

Posted on 7/27/2010 by

As the unemployment rate rises, so does the threat of scams targeting job seekers. Better Business Bureau warns job hunters to be extremely cautious in their search for work because scammers are out to take advantage of them and make a fast buck.

The national unemployment rate is creeping closer to 10 percent—worse than the Federal Reserve predicted back in April. Already 13 states are experiencing unemployment rates in the double-digits. As more people find themselves out of work, they are also becoming targets of scammers looking to take advantage of those who are already facing a tough financial situation.

BBB advises job hunters to beware of:

Job offers that require an upfront fee
Earlier this year, job ads cropped up in Florida from a company claiming it was looking to hire 2,500 employees for their new headquarters. Applicants had to submit $24 to pay for a background check. Law enforcement later found out that the money only went to the pockets of the company’s owner. Sadly, similar schemes crop up across the country every year. While the amount of money lost by any one victim may be small, the total amount taken in by the schemer can be significant.

BBB advice: Job hunters should never have to pay money up front to be considered for a job. If a potential employer asks for the job hunter to pay the company to cover the costs of testing, training or background checks, it should be considered a red flag.

Job placement assistance that makes big promises but can’t deliver
Job placement companies, or headhunter firms, often do not charge the job seekers for help finding a job, but are instead paid by companies that need help filling positions. Some job placement companies, however, have been taking money from job hunters and not fulfilling their promises of quick employment.

The BBB of Greater Maryland recently warned job hunters about one such placement firm that was advertising on Craigslist. The company charged as much as $195 and guaranteed it could find job hunters work. Unfortunately, job hunters didn’t receive call backs or refunds and had no real way to contact the company.

BBB Advice: Always research a job placement company first with BBB before signing any contracts or paying any money. Be extremely cautious about paying up front fees and know the deal on how to get a refund.

Phishing attempts by ID thieves pretending to be real businesses
Identity thieves employ many different methods for getting personal financial information from job hunters. Spam e-mail might offer a great opportunity and direct the job hunter to a Web site that is designed to install malware on his or her computer or solicit bank account or Social Security numbers. In other cases, the job hunter might even be asked to submit a resume, find out they’ve been hired and then immediately be asked for bank account or Social Security numbers.

BBB Advice: Be extremely cautious when responding to unsolicited e-mails from supposed employers—even if the company name is well-known—and do not click on any links in the e-mail until having vetted the company fully and can confirm that the e-mail came from a legitimate source. Legitimate employers will need Social Security numbers for tax purposes and may need a bank account number to deposit paychecks for new employees, but job hunters should be wary of any requests for such information from companies and job offers that they have not vetted fully.

For more advice on avoiding scams and fraud visit www.bbb.org

BBB Cautions Business Owners and Those Who Intend To Do Business on the Internet

7/26/2010

Posted on 7/26/2010 by

BBB Cautions Business Owners and Those Who Intend To Do Business on the Internet

The Better Business Bureau of Acadiana has been receiving calls on the company Storesonline Inc. The company has an F rating with the BBB in Salt Lake City see link to BBB report: http://www.bbb.org/utah/business-reviews/training-program-companies/storesonline-in-orem-ut-2000585

The company is also known to use other names and website addresses

The company markets “e-services” to business owners and those who intend to do business on the internet. The primary method of marketing is a free 90 minute presentation followed by a one day workshop. According to the BBB a total 813 complaints were filed about Storesonline in the last 36 months. The last complaints involved refund or exchange issues followed by sales practice issues.

Important questions to keep in mind:

* Does the training class guarantee "profit" or monetary gain as a result of their class?
* What percentage of students who sign up for the program complete the program? If the company states that you'll make money after finishing - ask what percentage of people do not make their money back?
* Does the class or training company offer any timeline or guarantee on a schedule? Is there a possibility the class will be canceled or rescheduled? If canceled, can the customer be put in another class, or will they begin the registration process all over again? Does the company have a guarantee that the class will not be canceled?
* What are the qualifications of the teachers or coaches?
* What is the company policy on refunds? What are the "fine print" rules on receiving the refund and how can the customer be sure they will be compensated? Make sure any promises of refunds not stated in the contract are written down and initialed by the company and the student, before signing.
* What type of compensation can be made if the customer is unable to complete the program put forth due to medical or other unforeseen reasons?
* Are there any fees that are not outlined and described in the actual class? Will the customer be charged extra or required to buy outside materials for the class, adding to the flat cost?
* How will the customer be informed of the payment plan, if necessary? Can the customer pay in installments if the course is over a period of weeks?
* If a certification class, does it show any proof that it matches with industry standards or compliance? For example, does a medical training class that claims to offer certification in an area really have that certification in the mainstream medical world?
* Testimonials used by companies are required by the Federal Trade Commission (FTC) to be typical results. Do the testimonials match up with the percentages and dollar amounts the company is promising, if not caution should be exercised.

For more information log on to www.bbb.org or call us at 337.981.6497

BBB Cautions Business Owners and Those Who Intend To Do Business on the Internet

7/26/2010

Posted on 7/26/2010 by

BBB Cautions Business Owners and Those Who Intend To Do Business on the Internet

The company is also known to use other names and website addresses

Important questions to keep in mind:

For more information log on to www.bbb.org or call us at 337.981.6497

The Week in Tweets from Hawaii's BBB

7/23/2010

Posted on 7/23/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• 4 tips to protect you from ATM thieves stealing your PIN & account info: http://ow.ly/2dzZT

• Small Business and Identity Theft: http://ow.ly/2eem0 #smallbiz #IDtheft #infosec

• #TrustBrief: SBA's plan to revive #smallbiz, policies to get paid on time, preventing employee fraud & more: http://ow.ly/2fdCT

• True Cost Credit Card Calculator: how much next credit card purchase could cost you: http://ow.ly/2ebCl

• Find forms, state agency & partner resources to start a #biz @ #Hawaii Business Express: http://ow.ly/2edzV via @ehawaiigov #smallbiz

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Tips to Recognize and Avoid Predatory Lending Practices

7/23/2010

Posted on 7/23/2010 by

What you don’t know can cost you. Many consumers may unknowingly become victims of unfair or “predatory” lending practices. BBB provides tips to help recognize and avoid predatory lenders, and make the lending choice that is right for you.

What is predatory lending?

Predatory lending is a set of lending practices that takes unfair advantage of consumers. Consumers end up taking out loans that they cannot afford, have deceptive or unclear terms in them, or cost more than necessary.

Predatory lenders have aggressive marketing schemes designed to convince people that borrowing money from them will be a quick and easy way to pay medical bills, make home repairs, pay off credit cards, purchase or refinance a home, or cover other personal needs. What appears to be easy money is just a way to part you from your hard-earned money.

Common predatory loan practices:

Making unsolicited loan offers, often by phone calls, postal or e-mail, door-to-door sales, or online advertisements.
Charging high interest rates, and undisclosed or improper fees.
Promises one set of terms when you apply and gives you another set of terms to sign – with no legitimate explanation for the change.
Large, up front fees charged to process the loan or release the funds.
Arranging the loan so monthly payments are low, but a large “balloon” payment is due at the end of the loan.
Packing the loan with costly and/or unnecessary products, such as credit, life, or disability insurance.
“Flipping,” or repeated loan refinancing where the borrower is charged more fees and the loan amount is larger with each refinance.

Avoid a lender that …

Guarantees a loan before you apply, or they have checked your credit report.
Pressures you to:
o Apply for a loan for more money than you need.
o Accept monthly payments you can’t afford.
o Sign documents you haven’t read.
Demands you wire money to receive a loan or written loan offer.
Refuses to give the company’s physical address and location.
Promises to get you out of debt easily and quickly.
Claims it can remove negative information from your credit report.
Does not have a good record with BBB.

Find more trustworthy money management tips at bbb.org.

Tips to Recognize and Avoid Predatory Lending Practices

7/23/2010

Posted on 7/23/2010 by
What you don’t know can cost you. Many consumers may unknowingly become victims of unfair or “predatory” lending practices. Hawaii’s BBB provides tips to help recognize and avoid predatory lenders, and make the lending choice that is right for you.

What is predatory lending?

Predatory lending is a set of lending practices that takes unfair advantage of consumers. Consumers end up taking out loans that they cannot afford, have deceptive or unclear terms in them, or cost more than necessary.

Predatory lenders have aggressive marketing schemes designed to convince people that borrowing money from them will be a quick and easy way to pay medical bills, make home repairs, pay off credit cards, purchase or refinance a home, or cover other personal needs. What appears to be easy money is just a way to part you from your hard-earned money.

Common predatory loan practices:

Making unsolicited loan offers, often by phone calls, postal or e-mail, door-to-door sales, or online advertisements.
Charging high interest rates, and undisclosed or improper fees.
Promises one set of terms when you apply and gives you another set of terms to sign – with no legitimate explanation for the change.
Large, up front fees charged to process the loan or release the funds.
Arranging the loan so monthly payments are low, but a large “balloon” payment is due at the end of the loan.
Packing the loan with costly and/or unnecessary products, such as credit, life, or disability insurance.
“Flipping,” or repeated loan refinancing where the borrower is charged more fees and the loan amount is larger with each refinance.

Avoid a lender that …

Guarantees a loan before you apply, or they have checked your credit report.
Pressures you to:
o Apply for a loan for more money than you need.
o Accept monthly payments you can’t afford.
o Sign documents you haven’t read.
Demands you wire money to receive a loan or written loan offer.
Refuses to give the company’s physical address and location.
Promises to get you out of debt easily and quickly.
Claims it can remove negative information from your credit report.
Does not have a good record with BBB.

For more trustworthy

How to Spot the Red Flags of an Investment Seminar Scam

7/21/2010

Posted on 7/21/2010 by

Falling victim to a fraudulent investment scheme can mean losing anywhere from a few hundred dollars to your life savings. While most people might not see the harm in sitting through an investment seminar, Better Business Bureau recommends researching the investment company first, rather than run the risk of falling for a financial siren song over a free lunch.

Investment scams and schemes can come in many forms and a common technique to lure people in is the offer of a free financial seminar over lunch. In one recent example, the Securities and Exchange Commission shut down a Ponzi scheme which stole $20 million from retirees in California and Illinois. The scammers invited senior citizens to estate planning seminars and later coaxed their victims into buying promissory notes for purported Turkish investments.

Free lunch seminars can seem like an easy way to get a meal, but attendees run the risk of getting drawn in by the slick presentations and promises of big returns. Unscrupulous seminars often use the promise of a free lunch to lure in leisurely senior citizens who have time and exploitable retirement accounts and real estate.

When listening to an investment pitch, BBB recommends looking for the following red flags:

Requires a large up-front investment. Untrustworthy schemers might try to convince investors to pay a lot of money upfront so they can get out of town with a large haul, rather than wait for the funds to trickle in.

Promises high returns for low risk. Every investment comes with a level of risk. Typically the amount of risk increases in line with the potential return on the investment. If the seminar is trying to sell an investment scheme that claims a high return with little or no risk, beware, even if it comes with the promise of a money-back guarantee.

Employs high pressure sales tactics. Seminar leaders often use high pressure sales tactics to get people to sign up without thinking it through. They might claim that there are only a few spots left or that you need to get in on the ground floor today to see the largest earnings. Any reputable investment company will let you take your time and do your research and will not pressure you into signing a check.

Relies on off-shore investments. Many hucksters try to give their scheme an air of sophistication by relying on overseas investments such as foreign currency, property, stocks and bonds. They also might claim—incorrectly—that you can avoid taxes by investing overseas.

Sounds too good to be true. At the end of the day, if the offer sounds too good to be true, it probably is. Always listen to your instincts because the potential payoff is rarely worth the risk.

For more advice from your BBB on financial planning and investment visit http://www.bbb.org/us/consumer-tips-finance/.

Changes to U.S. Military Savings Bond Program

7/19/2010

Posted on 7/19/2010 by
The Army Times reports that military personnel who have an allotment to buy U.S. savings bonds with their pay must take a couple of steps before the U.S. Savings Bond Payroll Savings Plan goes all electronic by the end of August.

By July 31, you must:

• Contact your payroll officer to get copies of the necessary paperwork to handle the transition.

• Create an account on TreasuryDirect.gov, a secure website where you can purchase savings bonds and other Treasury securities.

Civilian employees paid by the Defense Finance and Accounting Service will need to take the same steps by Aug. 31; all other government employees have until Sept. 30.

Read the full Army Times article here.

This Week in Tweets from Hawaii's BBB

7/16/2010

Posted on 7/16/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

5 Truths That Lead to More Referrals. Trust considered the greatest among them: http://ow.ly/2cAwh #smallbiz

.@StarAdvertiser Kokua Line has BBB advice & resources for donating to public safety charities: http://ow.ly/2bvg6

BBB Military Line supports #military personnel, families, retirees & #DoD civilians. Latest newsletter: http://ow.ly/2c4D2

#Scams: Facebook link to a video about Coca-Cola actually after your personal info. Don't click it! http://ow.ly/2c4Te via @mashable

Beware of Amazon.com Fraudulent E-mail: http://ow.ly/2cA2K

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

BBB Small Business Advice: Recognize and Avoid Business Directory Scams

7/16/2010

Posted on 7/16/2010 by
Local businesses have reported being contacted by or receiving what appear to be invoices from bogus print or online “Yellow Pages” directories. Hawaii’s BBB warns that these invoices are actually solicitations for listings in alternative business directories that are not connected with the well-known Yellow Pages.

The solicitation may look like a legitimate invoice, use the name Yellow Pages, include the familiar logo, or falsely state that the publisher is affiliated with a local telephone service or bona fide business directory. But it’s not; it’s a form of fraud run by international scam artists.

Because the name “Yellow Pages” and the “walking fingers” logo are not protected by any federal trademark registration, they can be used by anyone. One company that used the deceptively similar name of “HawaiianTel-YP” has recently re-emerged as “Islandtel-YP.” After contacting local small businesses, it follows up with falsified invoices for continued service.

Across the U.S., BBB and the Federal Trade Commission (FTC) have seen an increase in this form of fraud. Small and medium-sized businesses, churches, and nonprofit groups have been hardest hit. Many will pay the phony invoices in the mistaken belief that it’s simply a misunderstanding.

How the Scam Works

The con artists sometimes make cold calls to local offices. They ask the person answering the phone to “confirm” the address, telephone number, and other information, claiming it’s for the business’s directory listing. The scammers then fire off a rapid series of questions they may record, sometimes sliding in a confusing reference to the cost. The scam works because fraudsters convince the person who picks up the phone that they’re just “verifying” an arrangement the company already has with the directory.

The scammers may also send urgent “invoices” and sometimes include a copy of the “directory” or link to an online listing. They’re usually worthless and are never distributed or promoted as promised. In many cases, the person paying the bills will simply cut a check, not realizing that the company never agreed to pay the hefty fee for the directory. But if businesses resist, the scammers turn up the heat, threatening collection or legal action to get payment. They may use the name of the person who answered the phone or play a “verification tape” as “proof” that the company owes them money. Often these tapes have been doctored or the nature of the transaction was rattled off in a way no one could have understood. If companies stand firm in their refusal to pay for services they didn’t authorize, the scammer may try to smooth things over by offering a phony discount. Or they may let the company return the directory—at the company’s own cost, of course—but insist on payment for the so-called listing. At this stage, many companies pay up just to stop the hounding. What they don’t know is that they’ll likely get more bogus invoices—either from the same scam artist or from others who have bought their contact information for a new scheme.

How can I protect my business?

Take the following four steps to protect your company from business directory fraud:

Train your staff to spot this scam. Educate employees about how this scam works. Talk to everyone who may pick up the phone. E-mail or put a copy of this alert in employee mailboxes. Mention it in a staff meeting. Post it on the break room bulletin board, or where staff clocks in and out.
Inspect your invoices. Depending on the size and nature of your business, consider implementing a purchase order system to make sure you’re paying only legitimate expenses. At a minimum, designate a small group of employees with authority to approve purchases and pay the bills. Train your staff to send all inquiries to them. Compile a list of the companies you typically use for directory services, office supplies, and other recurring expenses. Encourage the people who pay the bills to develop a “show me” attitude when it comes to unexpected invoices from companies they’re not familiar with. Don’t pay for products or services you’re not sure you ordered.
Verify to clarify. Many business directory scam artists are headquartered in Canada, but use post office boxes or mail drops to make it look like they are in the United States. Before paying, check them out at bbb.org.
File a complaint. If a scammer is sending you bogus bills, speak up. File a complaint with Hawaii’s BBB, and let the FTC know by filing a complaint or calling 1-877-FTC-HELP (1-877-382-4357). Your complaints help shape the FTC’s law enforcement agenda, so it’s important to sound off when you spot a scam.

Concerned about business directory fraudsters’ threats to tarnish your credit if you don’t pay? Many will simply drop the matter and may even provide a refund if they know you’ve complained to BBB and law enforcement.

For more trustworthy business advice, visit Hawaii's BBB Business Resource Library.

BBB Small Business Advice: Writing a Privacy Policy

7/15/2010

Posted on 7/15/2010 by

Online privacy policies have taken center stage as social networking sites and search engines have recently come under fire for sharing user information. Even if you think your business is too small to merit a privacy policy, Hawaii's BBB advises that if you have a website, you will benefit by having a comprehensive privacy policy.

Privacy policies are about transparency and are key to building trust between your business and your customers. While it’s easy to get intimidated by the scope and legalese, the bottom line is, you will increase consumer confidence in doing business on your website if you have a clear privacy policy.

When drafting your website’s privacy policy, BBB recommends using simple language to answer the following five questions:

What information do you collect? – Outline the types of personal information that you collect from customers. This includes home address, e-mail, phone numbers and credit card numbers.

How do you collect the information? – Websites collect information from customers in many different ways. Even if you don’t actually sell goods through your site you might have an e-mail sign-up for a newsletter, an application for credit or install cookies on the visitor’s computer to track their activities. Disclose how data is being collected to show you have nothing to hide.

How do you use the information? – Include background on how you share customer information with third parties such as to process orders. If you sell customer information to marketers, explain what information is sold and how it could be used.

What control does the customer have over their personal information? – Customers need a way to contact your business and control their personal data, whether it’s changing a password on their account or taking their name off of a mailing list. Plan to include a direct phone number or e-mail address that customers can use to manage their information.

How do you protect the information? - Explain how you protect customer data including, but not limited to, website encryption, limiting employee access to sensitive customer data, and server security.

There is no cookie-cutter privacy policy. Your business is unique and your privacy policy should reflect that. Seek legal guidance before you finalize your policy. You are legally liable if you fail to abide by your privacy policy statement or if the statement does not comply with local and national laws.

As your business changes, so should your privacy policy. Plan to revise your policy as your web activities evolve and alert customers when you make revisions affecting their personal data.

For more trustworthy advice on keeping customer data safe visit BBB’s Data Security -- Made Simpler.

Scams Increasingly Target Young Recruits

7/12/2010

Posted on 7/12/2010 by
Young, inexperienced and often drawing their first paychecks, enlisted men and women are easy marks for sleazy car dealers, insurance scams, predatory lenders, and identity theft. 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.

BBB Military Line Director Holly Petraeus comments on the rise of military-focused scams in Red, White, and Scammed.

Say “I Do” to Taking Control of Personal Finances

7/9/2010

Posted on 7/9/2010 by

HONOLULU (July 13, 2010) – Marriage is an exciting time for a couple, however, once the honeymoon is over, it’s time to sit down and get serious about your finances. After walking down the aisle, Better Business Bureau advises newlyweds to take control of their money or risk a rocky financial future.

According to research by Utah State University, married couples that frequently fight over money are more likely to split up. Even when compared to frequent fights over other issues—such as chores, sex and in-laws—fighting about money was a better predictor of a future divorce.

“When considering their financial future, it’s important for newlyweds to realize that they are in it together and nurturing their nest egg can be a rewarding experience—not just a source of frustration and fights,” said Dwight Kealoha, CEO of Hawaii’s BBB. “Couples should have that conversation earlier, rather than later, so that they can develop good personal finance habits together.”

In order to start your life together on the right financial foot, BBB offers the following advice:

Let financial skeletons out of the closet. After marriage, any personal debt becomes “our debt.” It’s important to sit down early on and discuss what outstanding obligations exist on both sides, including car loans, school loans and credit card debt. Review and share your credit reports to get a better idea of what you are both bringing to the marriage.
Build a budget. Look at your monthly bills to ceate a realistic picture of your spending habits. Discuss your long-term goals—such as buying a house or car, and having kids—and figure out how much money you need to set aside every month to reach those goals.
Designate a driver, but travel together. In order to avoid confusion, one person should be responsible for paying the bills every month. This doesn’t mean that the other person should take a back seat role in managing the finances. In order to map your path and nip any bad spending habits in the bud, discuss your financial progress at least once a month.
Plan for emergencies. Many young couples fail to save money to get them through hard times, such as health problems and unexpected unemployment. Experts recommend you set aside three to six months of salary in a rainy day fund—ideally an interest-bearing account that can be easily accessed.
Save for the future. Retirement may seem like a long way off to young newlyweds, but setting aside money now means reaping big rewards later. Take advantage of both employers’ retirement matching programs—if available—or set up individual retirement accounts.
Make a vow to be savvy consumers. Many families have had their life savings decimated after becoming a victim of fraud or identity theft. Check out BBB’s website to find trustworthy businesses, get educated on the red flags of fraud, and learn how to protect your identity.

For more advice on managing your money, visit www.bbb.org.

This Week in Tweets from Hawaii's BBB

7/9/2010

Posted on 7/9/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• UH Mānoa notifying 53K individuals affected by online security breach: http://ow.ly/27QmM #infosec

• 7 Tips for Creating a Marketing Message that Sticks: http://ow.ly/27Ntr via @BusinessDotGov #smallbiz

• Better Business Bureau warns of fake ad page http://ow.ly/28kf8 #scams

• Customer service tops a 13% complaint increase; big spike in contractor inquiries. See what else kept us busy in June:
http://ow.ly/28om1

• BBB's Data Security—Made Simpler helps #smallbiz owners address their most common data security issues: http://ow.ly/29ohL

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

Find an Adoption Agency You Can Trust

7/9/2010

Posted on 7/9/2010 by
Celebrities such as Angelina Jolie, Sandra Bullock, Madonna and many others are building families through adoption. While celebrities might make it look easy, the Better Business Bureau recommends doing your research when enlisting the help of an adoption agency. Adopting a child is a complex, lifelong experience; it is also a legal transaction that can be complicated and expensive.

According to the most recent numbers from adoption experts, there are more than 125,000 adoptions annually in the U.S. While not all adoptive parents rely on an agency, professional help can be key to creating your family, as well as navigating the various laws and requirements. Last year alone, eager families vetted adoption services with the BBB more than 35,000 times.

“There are many different paths to adoption and the services, expertise and competency of agencies vary,” said Alison Southwick, national BBB spokesperson. “Because the process can be expensive, complex and take years to complete, you want to make sure you’ve got the best people showing you the way.”

When searching for an agency, BBB recommends that adoptive parents:

Research your options – Many factors will have a large impact on the type of agency you choose such as adopting a child from foster care, opting for an open or closed adoption or a domestic versus international adoption. You may also choose to adopt a special needs child who might have physical or mental health issues.

Understand the laws – No matter what option you choose, there are state, federal and international laws that will drive the adoption process. Getting a good grasp on the governmental requirements and procedures will help you evaluate the expertise of adoption agencies and give you a better idea of which path for adoption is best for you. The U.S. Department of Health and Human Services adoption website is a good starting point for looking into adoption laws and other adoption-related resources. Visit http://www.childwelfare.gov/adoption.

Get advice from other parents – Your best source of information may be people you already know who have adopted. If you don’t know any families that have adopted, ask friends and family. There are also many support groups both online and community-based for adoptive parents. Through these support groups, you can learn from the experience of others about the adoption process, including which agencies they were happy with and which ones they weren’t. If you choose to work with an agency, many have their own support groups.

Vet the agency with experts – Always make sure that the adoption agency is properly licensed to offer the promised services in your state and, if applicable, with the country from where you intend to adopt a child. Also check the agency out with your BBB; if the agency is an Accredited Business it is required to meet BBB’s standards for ethical conduct and resolving complaints.

Visit several agencies – Before deciding on any one adoption agency, try to visit and meet with several. You can often arrange an appointment to sit down and discuss what services they offer, what you will be required to do, as well as what you can expect in the adoption process. Many agencies also have informational group meetings that may answer many of your questions. Make sure the agency has extensive experience in the form of adoption you want to pursue. Find out what kind of pre- and post-adoption support the agency will provide, such as social programs that foster friendships among waiting and adoptive families, educational or cultural opportunities to allow families to learn about their children’s home country, programs for adopted children, teens or adults and counseling services. While adoption fees will be dependent on many variables, an agency should be able to disclose any required fees in advance, as well as any refund policy.

For more advice you can trust from BBB on evaluating businesses and services, visit http://www.bbb.org/us/Consumer-Tips/.

Top Reasons Charities Fail to Meet BBB Wise Giving Alliance Standards

7/8/2010

Posted on 7/8/2010 by

Arlington, VA - July 7, 2010 – The BBB Wise Giving Alliance today released a list of standards that national charities most commonly fail to meet when being evaluated by the Alliance against its 20 Standards for Charity Accountability.

This analysis by the Alliance shows that insufficient transparency, inadequate board activity and the lack of assessment of charity effectiveness account for the most failures in compliance.

“The good news is that well over half of the national charities we review meet all of the BBB charity standards. Unfortunately, it’s evident that many charities have more work to do to satisfy the expectations of donors,” said Art Taylor, President and CEO of the BBB Wise Giving Alliance, “Disclosure, effective governance and accountability are important indicators of a charity’s commitment to donors and the causes they serve.”

The BBB Wise Giving Alliance evaluation of the charities that provided requested information during the past two years found that more than 56 percent met all 20 Standards for Charity Accountability. Charities in the remaining 44 percent did not meet one or more of the standards. The following are the most frequent deficiencies that were found:

Annual Reports
BBB Standard: Have an annual report available to all, on request, that includes recommended program, governance and financial disclosures.

40 percent of charities that did not meet one or more standards either did not produce an annual report or provided one that that did not include all of the recommended information.

Effectiveness Policy
BBB Standard: Have a board policy of assessing, no less than every two years, the organization’s performance and effectiveness and of determining future actions required to achieve its mission.

36 percent of charities that did not meet one or more standards lacked the recommended board policy for periodic self-assessment.

Effectiveness Report
BBB Standard: Submit to the organization’s governing body, for its approval, a written report that outlines the results of the aforementioned performance and effectiveness assessment and recommendations for future action.

35 percent of charities that did not meet one or more standards either had not completed an effectiveness assessment or did not provide its board with a written report on the results of the assessment.

Board Meetings
BBB Standard: A minimum of three evenly spaced meetings per year of the full governing body with a majority in attendance, with face to face participation. (One of these meetings can be a conference call of the full board.)

31 percent of charities that did not meet one or more standards had charity boards that met less than three times per year or lacked a majority attendance.

Web site Disclosures
BBB Standard: Include on any charity websites that solicit contributions, the same information that is recommended for annual reports, as well as the mailing address of the charity and electronic access to its most recent IRS Form 990.

31 percent of charities that did not meet one or more standards had websites that did not include access (such as a link) to the group’s most recent IRS Form 990 and/or did not include other recommended information.

“All charitable organizations should recognize the importance of charity accountability: strong governance, public access to basic information and periodic self-evaluations of the organization’s impact,” said Taylor. “The silver lining to this cloud is that many charities have shown us that after the issues are brought to their attention they have been able to take steps to meet these standards.”

The BBB Standards for Charity Accountability, which were last revised in 2003 after a three-year project that involved extensive input from the charitable community, are used by the Alliance in preparing evaluative reports on over 1,200 nationally soliciting charities. There is no charge to the charity for the accountability assessment and the resulting reports are available to the public free on the www.bbb.org/charity website.

For more information or to schedule an interview with a BBB Wise Giving Alliance spokesperson, contact Alison Southwick at 703-247-9376.

Hawaii's BBB Activity Report for June 2010

7/7/2010

Posted on 7/7/2010 by

A monthly summary of activities at Hawaii's BBB.

Most Complained About Businesses
Type of Business	Complaints
Auto Dealers – New Cars	8
Travel Clubs	7
Airlines	7
Banks	5
Restaurants	5
Toys - Retail	5
Hotels	5
Vacation Rentals	4
Auto Renting & Leasing	4
Jeweler - Retail	4
Auto Repair & Services	4
Computers Software & Services	4
Sweepstakes	4

Top Complaint Issues	Complaints
Customer Service	41
Billing or Collection	34
Service Quality	33
Sales Practice	33
Refund or Exchange	22
Delivery	17
Repair	17
Contract	15
Product Quality	14
Advertising Claim	13
Guarantee or Warranty	6

Complaints about Hawaii businesses: 229

Most Asked About Businesses
Type of Business	Inquiries
General Contractors	1,002
Pest Control Services	865
Plumbing Contractors	691
Roofing Contractors	653
Wedding Consultants	652
Travel Agencies & Bureaus	618
Computers Software & Services	596
Auto Body Repair & Painting	578
Electrical Contractors	519
Property Management Companies	487

Inquiries about Hawaii businesses: 29,832

BBB Consumer Services
• Complaints opened: 255
• Requests for information: 40,671
• Requests for BBB Accredited Business lists: 10,167
• BBB consumer programs, participation and presentations:
▪ 2010 Financial Literacy Fair
▪ BBB Military Line presentation at Schofield Barracks

BBB Accredited Business Services
• The Business Bulletin newsletter: 801 readers
• Webinars
▪ Current Hawaii Economic Conditions
Attendance: 28

BBB Accreditation
• New BBB Accredited Businesses: 19
• Businesses revoked of BBB accreditation: 0
• New BBBOnLine participants: 22
• New BBB Accredited Charities: 1

Visitors to Hawaii's BBB website: 32,121

The Things People Want

9/1/2010

Posted on 9/1/2010 by Angela Ellenwood
A 1948 sales training film on the hierarchy of human needs. A young John Forsythe plays an ambitious sales rep driven to succeed by the voices in his head.

"How to get people to buy stuff."

"helping people people buy."

Sponsor: Chevrolet Division, General Motors Corporation
1948, B&W, 19:36

Working Dollars

7/6/2010

Posted on 7/6/2010 by Angela Ellenwood
Animated explanation of how the stock market works, told through the story of an Everyman named Mr. Finchley

Presented by members of the New York Stock Exchange

What Mr. Finchley did with his extra $60, the perils of his ventures in "Utopium, Unlimited," and how he finally caught on to a sensible way to become the man of his dreams is the essence of this sparkling cartoon story of WORKING DOLLARS.

Great advice:"Before you invest, investigate."

1957, Color(ish), 10:44

What Is Money?

7/6/2010

Posted on 7/6/2010 by Angela Ellenwood
Following the journey of a five-dollar bill through many transactions, the film shows how money functions as a standard of value and future payment, a storehouse of value and a convenient medium of exchange.

Coronet Instructional Films

1947, B&W, 10:32

Using the Bank

9/1/2010

Posted on 9/1/2010 by Angela Ellenwood

Banking services and procedures in the pre-computer era; incls applyign for a business loan; straightforward attitude toward money

FDIC to 5000.

Encyclopaedia Britannica Films

1947, B&W, 10:24

Understanding The Dollar

9/1/2010

Posted on 9/1/2010 by Angela Ellenwood
explains the essential purposes of money as a medium of exchange, analyzes factors which affect the value of the dollar, and shows the effects of rising prices on people with various types of income.

The price of items back then may seem really good today, but as the film explains: It's all relative.

Examines money as a medium of exchange, standard of value and a way of storing up purchasing power.

Coronet Instructional Films production

1953, B&W, 9:38

Your Thrift Habits

7/6/2010

Posted on 7/6/2010 by Angela Ellenwood

The discipline of a making and keeping a budget, knowing the difference between needs and wants, and the satisfaction of saving to buy something you want.

Teens: irresponsible Jack and sensible Ralph.

Coronet Instructional Films production

1948, B&W, 10:34

Banks and Credit

9/1/2010

Posted on 9/1/2010 by Angela Ellenwood
A 1948 Coronet Instructional Films production describes how account deposits help banks serve their purposes, the meaning of credit, and how bank credit serves the business community.

Max FDIC coverage $10,000.

Frank Hamilton deposits his paycheck: $68.73!

Credit as the cornerstone of our world's commerce and industry.

1948, B&W, 10:35

The Wise Use of Credit

9/1/2010

Posted on 9/1/2010 by Angela Ellenwood
Mr. Money uses his remote control learning machine to teach John & Judy what they need to know to use credit wisely. Part of the educational services program of the National Consumer Finance Association.

1960, B&W, 11:24

This Week in Tweets from Hawaii's BBB

7/2/2010

Posted on 7/2/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

Fake coupons circulating for several popular items. See the ones not to use or accept: http://ow.ly/24TbP #retailers

BBBOnLine's search engine helps you find trustworthy sites for shopping online: http://ow.ly/24lmc

Weigh your overdraft options; new rules require account holder consent for overdraft services & fees: http://ow.ly/24VGk

Finally, a trustworthy site for online loans! Esteemed Lending Services: http://ow.ly/25Xso

RT @bbb_us: Warning: Free #Subway Gift Card Scam on Facebook, Web http://ow.ly/25WrP

Follow Hawaii's BBB on Twitter for scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources.

BBB Advice to Increase Your Chances of Getting a Small Business Loan

6/29/2010

Posted on 6/29/2010 by
Finding funding to start a business or bolster an existing one has been more difficult than usual lately. While the economy improves, banks are still reticent about lending to small business owners and Hawaii’s BBB recommends developing a solid business plan to earn the bank’s trust and increase your chances of landing a loan.

According to a recent survey by the Federal Reserve, small business owners are still having a hard time getting loans. Only 2 percent of banks surveyed had loosened their standards for making commercial and industrial loans which was equal to the number of banks that had tightened their standards further.

Any steps you can take to make your loan seem less risky will ease the bank’s fears about lending to you and increase your chances of getting financing. This includes creating a comprehensive business plan and devising a solid strategy to pay the bank back.

To increase the chances of getting a loan, BBB recommends that small business owners and entrepreneurs:

Talk to the U.S. Small Business Administration or its free counseling partners. Talking to a counselor or lender relations specialist can help increase your chances of getting a small business loan. The SBA has lender relations specialists who work at Hawaii's district office and host workshops across the state. Local SBA partners also help and include Small Business Development Centers, and a network of retired executives in SCORE who mentor entrepreneurs and small business owners. Generally, these counseling and training services are free.

Review your credit report. Lenders will take into consideration your personal credit history and if your report has any errors it could affect your chances of getting the loan. You can check your credit report once a year for free with the three major reporting bureaus—Transunion, Experian and Equifax—at annualcreditreport.com. If you find errors, contact the reporting bureau to set the record straight.

Create a comprehensive and professional-looking business plan. Lenders want to know that you have done your research, considered your risks and the current climate for opportunity, and planned for the future. Thoughtfully and thoroughly explain how much money you need and how you’ll use it. Put care into the final product—not only in the content, but also in also how it looks. You want to put your most professional foot forward and that means preparation, attention to detail and a polished presentation.

Show that you are personally invested. If you have money invested in your own business, it will show the lender that you are personally dedicated to the success of the venture.

Plan to pay it back. Banks are in the business of making money. To that end, they want to know that you have a solid plan for paying back the loan and can also provide enough collateral to cover the loan if the business fails.

Start with who you know. If you already have a good relationship with your personal bank, start your search there. Ideally, your lender also works with the SBA—which will widen your loan options. Don’t rule out the possibility of getting a loan from a smaller local bank.

For more advice you can trust on managing your business, follow Hawaii’s BBB on Twitter, attend our online seminars and visit our business resource library.

Hawaii’s BBB Recommends Consumers Weigh Their Overdraft Options

6/29/2010

Posted on 6/29/2010 by
HONOLULU (June 29, 2010) - If you use your debit card when you don't have enough funds in your account, your bank may cover the transaction—but usually for a fee. Soon, financial institutions will be required to receive explicit consent before covering an overdraft and charging a fee for the service on overdrafts from automated teller machine (ATM) withdrawals and one-time debit card transactions at point of sale terminals in stores. But first, institutions must have provided account holders a notice that explains its overdraft payment services, alternative options and related fees. This new rule from the Federal Reserve Board is designed to have financial institutions more clearly inform consumers about the costs of overdraft services.

“Until now, financial institutions could automatically sign you up for overdraft services for all kinds of transactions when you opened an account,” said Dwight Kealoha, chief executive officer of Hawaii’s BBB. “But under the new rules, you must opt in to this service and give your bank permission to apply its standard overdraft practices and fees to one-time debit card and ATM transactions.”

An overdraft occurs when you make a purchase or ATM transaction but don't have enough money in your account to pay for it. Your bank may cover you and charge a fee each time you overdraw your account. Most financial institutions cover overdrafts in two different ways: Standard overdraft practices that charge a flat fee—typically $20 to $30—each time you overdraw your account, or overdraft protection services that use your line of credit or savings account to cover transactions on an overdrawn account for little or no cost.

The deadline for financial institutions to implement the opt-in process is July 1 for new accounts and Aug. 15 for existing accounts. If an account holder does opt in, the institution must provide confirmation to the consumer, and only then may charge fees for overdrafts caused by covered electronic transactions. If an account holder does not respond to the related notice or otherwise express a preference by the deadline, financial institutions must automatically consider the consumer to have opted out of overdraft protection.

“Getting all the information about the different overdraft options available will help consumers make informed decisions about these services, choose the option that’s best for them, and avoid any unexpected fees,” Kealoha added. When you don't have enough money in your account to cover a transaction, it will likely be declined, but you will not be charged overdraft fees.

Under the new rules:

You decide. Instead of automatically enrolling you, your bank must first get your permission to apply its standard overdraft practices to your one-time debit card and ATM transactions. To grant this permission, you must to respond to the notice you received and opt in (agree) to the service.
Checks and automatic payments are not included. Your bank may still automatically enroll you in their standard overdraft practices for these types of transactions. If you do not want overdraft protection in these instances, talk to your bank.
You can change your mind. Whatever your decision, the new overdraft rules give you flexibility. If you opt in, you can cancel at any time. If you do not opt in, you can do so later.

Contact your financial institution for details about your overdraft options.

For more trustworthy information to help manage your finances, go to www.bbb.org.

This Week in Tweets from Hawaii's BBB

6/25/2010

Posted on 6/25/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

Can You Trust Someone Selling Meat Door-to-Door? - Hawaii's BBB News Center: http://ht.ly/21ogB

6 Things You Should Never Reveal on Facebook: http://ht.ly/22oHu via CBS MoneyWatch.com #IDtheft #infosec

RT @consumerist: Five Questions That Could Reveal Elder Fraud http://ht.ly/21mHE

Despite what others claim, annualcreditreport.com is the ONLY authorized source for a free annual credit report: http://ow.ly/22Wnh

.@StarAdvertiser reports Hawaii among states investigating Navy Veterans Association for fraud: http://ht.ly/22sYr

For scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources, follow Hawaii’s BBB on Twitter.

No Credit? Bad Credit? Beware of Loan Scams, Warns BBB

6/24/2010

Posted on 6/24/2010 by

According to complaints filed with the Better Business Bureau, people across the country lost an estimated total of a quarter million dollars to advance fee loan scams this spring. Advance fee loan scams target individuals and small business owners who are desperate to get a loan and often take the victim for thousands of dollars.

Despite recent improvements, a bad economy continues to provide opportunities for scammers to take advantage of struggling individuals and small business owners. Lending standards remain stringent at most banks and many cash-strapped individuals are turning to fraudulent lenders that promise loans regardless of your credit history.

Most people learn about a bogus loan offer from ads in local “penny saver” publications or stumble upon the scam online. Often, a bogus loan website will be created and taken down within a couple weeks, only to be replaced by another operating under a different name and fake business address.

The websites look professional and might even put the victim through the rigors of filling out loan application forms—often requiring their bank account and Social Security numbers. Eventually victims are told they are approved for the loan, but must first pay sometimes thousands of dollars upfront. Individuals are told to send the money by money order or wire transfer as collateral or to pay for insurance. Those that pay never get the promised loan and are sometimes tricked into giving the scammers even more money.

BBBs across the U.S. have recently received complaints about advance fee loan scammers operating under more than 75 different names, including Capital Alliance Financial Group, Harford Financial Services, Howard and Clark Financial, Lending Hand Financial, among others. Because these scammers tend to set up, disappear and re-emerge with fake names, websites and addresses, Hawaii’s BBB was unable to locate more than half of the advance fee brokers with complaints filed by local residents in the past three years.

BBB advises cash-strapped individuals and small business owners to recognize the red flags of an advance fee loan scam:

The lender has a bad reputation—or none at all. Research the lender thoroughly online and with your BBB. Most trustworthy lenders have an established track record, so be wary if you can’t find much information about the lender online.
The lender asks you to wire money or send a money order—such as for insurance or collateral—before you can receive the loan. You might be told to wire money to another country, consider this yet another red flag.
The lender is not registered to do business in Hawaii. If the company offers specialized services, such as credit repair, loan modification, debt settlement, or foreclosure rescue services, state or federal laws prohibit charging upfront fees.

If you or someone you know has become a victim of an advance fee loan scam, report the incident to Hawaii’s BBB.

Can You Trust Someone Selling Meat Door-to-Door?

6/21/2010

Posted on 6/21/2010 by

BBB Offers Tips to Ensure Prime Service

HONOLULU (June 22, 2010) – In the summer, door-to-door salespeople start making their rounds selling any number of different products and services. While many door-to-door sales reps are honest, every summer, Better Business Bureau receives troubling complaints from consumers who purchased meat sold door-to-door and were dissatisfied with the quality, or even claim to have gotten food poisoning.

“Many people might be a little put off by the idea of buying steaks or seafood from the back of a truck, but the low price can often be tempting enough to override any fears about safety or quality,” said Dwight Kealoha, chief executive officer of Hawaii’s BBB. “It’s not uncommon for a customer to waste hundreds of dollars on inferior meat and it is extremely important for your financial health, in addition to your physical health, that you do your research before you buy.”

Hawaii’s BBB has received several complaints this year regarding door-to-door meat sales. According to complaints, customers spend an average of $200 on different kinds of meat, poultry and/or fish. Consumers have reported the products “tasted bad” and were “poor quality.” Some consumers have also cited sales practices that misrepresent the company or products, including claims that it was Omaha Steak brand meat being sold.

When considering buying meat from a door-to-door sales rep, BBB recommends that consumers:

Do research. Ask the salesperson for written material about the company and let them know you are going to research the company first. In Hawaii, businesses selling meat door-to-door or from a vehicle must have a permit issued by the sanitation branch of the state Department of Health. Before buying meat sold from a vehicle or someone at your door, verify that the company has a permit and check its BBB Reliability Report.
Don’t fall for empty promises. The seller might claim to offer a 100 percent satisfaction guarantee, but not provide company contact information for you to report any dissatisfaction with the product. Additionally, the seller might say that the meat is a higher grade than it really is.
Never pay with cash. When paying by check or credit card you have at least some way to protect your money—such as canceling the check or reporting it as fraud to your credit card company. If you pay with cash and are dissatisfied, you’re at the mercy of the seller.
Know your rights. If you decide to make a purchase, ask for a dated cancellation form and a dated receipt. The Federal Trade Commission’s Cooling-Off Rule gives you three business days to cancel the purchase. Saturday is considered a business day.
Report the bad guys. Report any unlicensed sales activities and file a complaint with Hawaii’s BBB if you feel that you were ripped off in a door-to-door sales deal.

Consumers with questions about buying meat can contact the U.S. Department of Agriculture's Meat and Poultry Hotline at 1-888-674-6854.

For more advice to help you make smart purchasing decisions, visit bbb.org.

This Week in Tweets from Hawaii's BBB

6/18/2010

Posted on 6/18/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• RT @PRI: How to avoid a more dangerous identity theft: http://ht.ly/1YmZU #IDtheft #infosec

• #Biz tip: 3 Cold Call Tactics That Increase Sales: http://ht.ly/1YoaF via @HarvardBiz

• A few seminars currently in #Hawaii. Don't Lose Money Trying to Get Rich Quick:http://ht.ly/1WYjq

• Trial offers can become monthly payments for stuff you don’t want. Get info & tips to avoid negative options: http://ht.ly/1ZxEj

• Get less spam. Remove your address from commercial email lists:http://ht.ly/1NicT

Follow Hawaii's BBB on Twitter for scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources.

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6/15/2010

Posted on 6/15/2010 by
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Don't Lose Money Trying to Get Rich Quick

6/10/2010

Posted on 6/10/2010 by

BBB Warns Beware of Enticing Moneymaking Opportunities

HONOLULU (July 15, 2010) – You may have heard the pitch on TV, received an e-mail or letter, or saw a flyer promoting a seminar or conference that promises to reveal “the secret” to making lots of money fast. While there are legitimate seminar presenters, there are also seminar hucksters whose only goal is to take your money. Hawaii’s BBB offers tips to avoid by getting hit by the seminar pitch.

Fraudulent seminar promoters claim that they will give you valuable information about how to invest successfully or operate a profitable business. Their success stories and testimonials seem to show that anyone who attends the seminar can make a substantial amount of money from whatever investment plan or business program they are selling.

“Promises of quick, easy money can be a powerful lure, but people who plan to attend a free seminar should be aware that the presenters will likely try to sell them additional products and services,” said Dwight Kealoha, chief executive officer of Hawaii’s BBB. “Consumers who invest in these programs typically find that the pay-off is not as promised and they can’t recoup the money they spent.”

Products sold at these seminars may include program-specific software, investment guides, self-improvement workbooks, or home-based businesses and marketing plans. Seminar presenters often use high-pressure sales pitches that require consumers to buy now or risk missing the opportunity. Consumers must then pay—sometimes thousands of dollars—for information that is available elsewhere for little or no money. “Taking precautions before you invest is easier than trying to get a refund after the investment has been made,” Kealoha added.

BBB warns consumers to be cautious if a seminar's promotional materials or sales pitches contain any of the following claims or red flags:

You can earn a lot of money with no experience or training necessary.
The presenters hype the program, but provide little details and give evasive answers to direct questions.
The program worked for other participants, including the presenter.
You will reap financial rewards by working part-time or from home.
The opportunity is available for a short time only.
The deal is a “sure thing” and will provide financial security for years to come.
Local business people or experts are not endorsing the program.

To avoid getting hit by the seminar pitch, BBB offers the following advice:

Take your time. Don’t fall for high-pressure sales pitches that require you to buy now or risk losing out on the opportunity.
Be wary of testimonials of extraordinary success. Some seminar presenters use paid “customers” to give glowing success stories.
Ask questions. Legitimate business people are more than willing to give you information about their program, sales or investment opportunities before a purchase is made.
Do your research. Check the company’s BBB Reliability Report and get opinions from business people and experts in the field.

Find more trustworthy advice to avoid questionable money-making schemes at bbb.org.

Charities Assisting Gulf Coast Oil Spill Clean Up

6/10/2010

Posted on 6/10/2010 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

Further information about other charities is available at http://www.bbb.org/charity-reviews/national/

Hawaii's BBB Activity Report for May 2010

6/9/2010

Posted on 6/9/2010 by

A monthly summary of activities at Hawaii's BBB.

Most Complained About Businesses
Type of Business	Complaints
Auto Dealers – New Cars	12
Consumer Finance & Loan Companies	7
Auto Renting & Leasing	6
Airlines	6
Property Management Companies	6
Timeshare Companies	5
Travel Agencies & Bureaus	5
Auto Repair & Service	5
Auto Body Repair & Painting	5
Tax Return Preparation	4
Vacuum Cleaners - Household - Dealers	4
Restaurants	4

Top Complaint Issues	Complaints
Service Quality	38
Customer Service	31
Sales Practice	26
Billing or Collection	25
Refund or Exchange	25
Contract	20
Repair	17
Delivery	14
Product Quality	9
Advertising Claim	7
Guarantee or Warranty	2

Complaints about Hawaii businesses: 187

Most Asked About Businesses
Type of Business	Inquiries
Pest Control Services	738
General Contractors	650
Wedding Consultants	632
Auto Body Repair & Painting	613
Roofing Contractors	605
Travel Agencies & Bureaus	589
Plumbing Contractors	530
Computers Software & Services	457
Electrical Contractors	408
Painting Contractors	402

Inquiries about Hawaii businesses: 24,629

BBB Consumer Services
• Complaints opened: 225
• Requests for information: 33,122
• Requests for BBB Accredited Business lists: 7,877
• BBB consumer programs, participation and presentations:
▪ Arcadia Retirement Residence Benefit Fair
▪ National Active and Retired Federal Employees Association

BBB Accredited Business Services
• The Business Bulletin newsletter: 860 readers
• Webinars
▪ Social Media for Business
Attendance: 25

BBB Accreditation
• New BBB Accredited Businesses: 24
• Businesses revoked of BBB accreditation: 0
• New BBBOnLine participants: 18
• New BBB Accredited Charities: 2

Hawaii's BBB website visitors: 28,004

This Week in Tweets from Hawaii's BBB

6/4/2010

Posted on 6/4/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• Setting Business Standards: Business Round Table column by Hawaii's BBB CEO @midweekhawaii: http://ht.ly/1TlIw

• Venting online, consumers can find themselves in court: http://ht.ly/1TmiY via @starbulletin @nytimes

•#Recalls: Infantino Recalls to Replace SlingRider Baby Slings; Three Infant Deaths Reported http://ht.ly/1TMwX via @OnSafety

• Complaints to BBB Against Debt Settlement Companies on the Rise: http://ht.ly/1SFdO

• Work-at-Home Schemes and How to Avoid Them: http://ht.ly/1TjGK via FTC.gov #scams

Follow Hawaii’s BBB on Twitter for scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources.

How to Be the Class ‘Value-dictorian’

6/1/2010

Posted on 6/1/2010 by
‘Tis the season for exams, commencements, and a renewed focus on the future. But when it comes to dealing in the marketplace, everyone has the potential to be a value-dictorian. Before spending your hard-earned money, ask questions, do your homework, and speak up.

The Federal Trade Commission, the nation’s consumer protection agency, suggests that students and grads tap into these 10 tips:

Keep your personal information to yourself. In the past five years, millions of Americans have been victims of identity theft, including many students. Protect your passwords, guard your credit card number, shred sensitive paperwork, and don’t leave your mail where it might tempt a potential identity thief.
Socialize safely online. When using social networking sites, keep your business your business. Update your privacy settings to restrict access to people you trust. Post only information you’re comfortable with the whole world knowing, because once it’s posted, you can’t take it back. Nobody wants to be known as the TMI type, so don’t post your Social Security number or financial information. And use caution when sharing details about where you work, where you hang out, and what’s going on with you and your friends.
Consider the National Do Not Call Registry. As hard as it may be for your parents to believe, there may be times when you don’t want to be on the phone — especially when the caller is a stranger trying to sell you something. Visit donotcall.gov and register your phone number with the National Do Not Call Registry.
Stay away from “guarantees” of scholarships. Reputable groups don’t charge for information about scholarships. Steer clear of anyone “guaranteeing” you financial aid for college or vocational school — especially if they insist you pay them for the information first.
Don’t buy bogus weight loss products. Good health isn’t about a number on a scale. It’s about cultivating a positive attitude, enjoying a variety of foods, and staying fit and active. Take a pass on any product that promises easy or effortless weight loss; instead, focus on healthy habits that will last a lifetime.
Understand credit. Credit is more than just a plastic card; it’s your financial future. Before you sign on the dotted line, make sure you “speak credit.” That “permanent record” your teachers always warned you about? It’s called a credit report. Late payments now will come back to haunt you when you try to buy a car, get an apartment, or even land a job. Once you’ve established credit, get a free copy of your credit report at annualcreditreport.com. Watch out for lookalike sites that make it sound like they’re free, but then hit you up for monthly fees.
P2P file-sharing can be risky. Peer-to-peer file-sharing can open the door to unwanted content, spyware, and viruses. If you decide to use file-sharing software, install it carefully. Otherwise, you might give strangers access not just to the files you intended to share, but also to other information on your hard drive, like email and personal documents. Remember that sharing copyrighted music or other entertainment via P2P can land you in legal hot water.
Travel scams turn summer breaks into summer busts. Who doesn’t dream of spending a vacation relaxing in the sun or snowboarding on some mountain? Be aware that scam artists target students who are looking for low-cost vacations. Before you show up at the airport with your sunscreen, review the tour package carefully and investigate the operator. Check out ftc.gov/travel for more travel tips.
Phishing scams reel in personal information. You’ve gotten emails claiming to be from your bank or ISP asking you to “verify” your credit card or checking account number. They’re from fraudsters phishing for your information. Never give out your personal information in response to an email. When in doubt, check it out by calling the company directly. Visit onguardonline.gov to learn more.
Some employment services are scams. Bona fide job placement services can help launch you in the career of your dreams. But bogus companies can scam you out of your money. Before paying any money to someone offering to help you land a job, check out who you’re doing business with.

The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

Pacific Island Storms Create a Tsunami of Online Scams

5/28/2010

Posted on 5/28/2010 by
Hawaii’s BBB warns of malicious links disguised as Samoan tsunami sites.

Hawaii’s Better Business Bureau (BBB) is warning people about malicious Web sites and tweets trying to take advantage of recent natural disasters in Pacific island nations. Within hours of the massive earthquake and subsequent tsunamis that hit the islands of Samoa and Tonga, malicious software emerged as “scareware” in the form of fake anti-virus scans.

Scammers are quick to respond to newsworthy events, such as these natural disasters, because they know the topics create a lot of interest and concern. “There are two things you can count on after a major natural disaster,” said Dwight Kealoha, chief executive officer of Hawaii’s BBB. “The first is the generosity of people looking for ways to help, and the second is the appearance of scammers looking to take advantage of their goodwill.”

“Since Hawaii has large Samoan and Tongan populations, many of whom have loved ones in these Pacific islands, we think it’s important to warn about these malicious online activities,” said Kealoha. “It’s not unlikely that similar tricks are being used against people looking for information on the floods in the Philippines and now, the Indonesian earthquake, too.”

Rogue anti-virus scammers use search engine optimization techniques to ensure that their Web sites are among Google’s top results—Hawaii’s BBB found malicious links in the first 10 search results—and use keywords based on Twitter’s trending topics in related tweets. Clicking on a malicious search result or tweet related to the tsunami produces a very authentic-looking warning that the computer is infected and then launches a fake anti-virus scan. Attempts to stop the scareware attack by clicking to cancel or closing the window results in more pop-up windows with even more menacing warnings. Eventually, users are prompted to install a program that almost certainly contains viruses or other harmful files.

These scareware attacks are an increasing problem that can happen anywhere pop-up ads occur or links are shared, including trusted news sites, search engine results, and social media programs. To help protect against these malicious online scams, Hawaii’s BBB recommends maintaining your computer with critical operating system updates and current anti-virus software from a name you trust. Also, make sure that all security patches and updates are installed for your Web browser and other Internet-based programs.

For more advice about online safety or finding trustworthy charities to support Pacific island disaster relief efforts, visit the BBB Web site at bbb.org.

About Hawaii’s BBB
Established in 1945, Hawaii’s Better Business Bureau® (BBB) is the local authority on trust in the marketplace. BBB is an unbiased, nonprofit organization that sets and upholds high standards for fair and honest business behavior. Only businesses and charities that meet and adhere to BBB standards can receive BBB accreditation. Hawaii’s BBB provides objective advice, free business and charity reports, and educational resources on topics affecting marketplace trust. BBB also offers fair and timely dispute resolution programs for consumers and businesses. BBB resources are available online at bbb.org.

This Week in Tweets from Hawaii's BBB

5/27/2010

Posted on 5/27/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• ID thieves love your junk mail. Shred it before tossing it & use DMAchoice to reduce junk mail: http://ht.ly/1Op5J

• 5 Things to Know about Funding your #SmallBiz with a Gov #Loan http://ht.ly/1POtb via @BusinessDotGov

• Active duty #military personnel & families get free admission to 600+ museums nationwide this summer: http://ht.ly/1PQBv #NEA

• #Biz tip: BBB Advice on How to Respond to Online Customer Complaints: http://ht.ly/1QoVi #smallbiz

• RT @PrivacyToday: Read our guide - a primer for avoiding identity theft while on vacation: http://ht.ly/1PL72 #IDtheft

Follow Hawaii’s BBB on Twitter for scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources.

Complaints to BBB Against Debt Settlement Companies on the Rise

5/26/2010

Posted on 5/26/2010 by
HONOLULU (June 1, 2010) – Better Business Bureau is warning financially troubled families to beware of misleading debt settlement companies that claim they can easily reduce or eliminate credit card debt. Since the start of the recession, BBB has received more than 3,500 complaints from individuals, including many who paid hundreds of dollars in upfront fees to debt settlement companies but only fell deeper into debt.

“The debt settlement industry is flourishing, and many families are being lured into believing that debt settlement is an easy fix and that their credit card debt will just disappear,” said Dwight Kealoha, chief executive officer of Hawaii’s BBB. “The truth is that the process doesn’t work for many consumers, it has potentially serious negative consequences and should primarily be used as a last ditch effort to stave off bankruptcy.”

Consumers from all 50 states have filed complaints with BBB about debt settlement companies since the recession began in late 2007. In addition to BBB, angry customers are also taking their complaints to their state Attorney General. Attorneys General from several states have taken action against companies such as Dallas-based Debt Settlement America, Debt Rx USA, Financial Freedom of America and Credit Solutions—which has received more than 1,600 complaints alone in the last 36 months—and Austin-based Clear Your Debt and Swift Rock Financial Solutions.

Typically with debt settlement or negotiation services, the consumer pays an upfront fee to the debt settlement firm with the understanding that the company will try to negotiate a settlement with creditors for less than what is owed. The debt settlement business works with the consumer to establish a plan for the consumer to put money into an account administered by the debt settlement company or a third party, and that money is used to pay any negotiated settlements. It usually takes six months to a year before there is enough money to start settling accounts and the consumer typically does not make any payments to creditors during that time. Not only does this put the consumer at risk of having creditors file garnishments or other legal actions, but their credit rating will likely suffer as a result of not making required monthly payments.

Complainants to BBB allege that instead of having their debt settled as promised, they were driven deeper into debt and sometimes sued by their creditors—which led to mounting legal fees—and had their wages garnished. Some complainants decided after making several months worth of payments that they did not want to proceed with the debt settlement process, but the debt settlement company did not return the money that had been set aside—in one case as much as $15,000.

BBB warns families to look for the following red flags when considering getting help from a debt settlement or negotiation firm:

High upfront fees. Beware of companies that require payment before any debts are settled. Often, these upfront fees may be better used to reduce a consumer’s overall debt.
Promises that are too good to be true. Some companies might promise that they can reduce debt by more than half even before looking into the consumer’s financial situation.
Claims that it’s a fast, easy and painless process. Reducing debt through debt settlement programs takes time—often years.

Before enlisting the help of a debt settlement company, BBB recommends that consumers:

Contact their lender first. Try to work out an agreement directly with lenders before enlisting outside help.
Seek help from a nonprofit credit counseling center. Credit counselors offer guidance for little or no cost. Find a credit counseling center near you on the National Foundation for Credit Counseling website, www.nfcc.org
Consider debt settlement only as a last resort before filing for bankruptcy. The debt settlement process can have a severely negative impact on consumers’ credit ratings and limit access to future credit. In the meantime, creditors can decide to sue and garnish wages for repayment. It is best to avoid these potential consequences if there are other workable alternatives to dealing with debt.
Research the debt settlement firm with BBB first. Find out how many complaints it has received, how it responded to complaints, and whether or not there are any recent government actions or lawsuits against the company.

More advice on managing credit and paying down high balances is available through BBB’s Managing Credit – Made Simpler.

Businesses Can Also Be Victims of Identity Theft and Fraud

5/24/2010

Posted on 5/24/2010 by
While the threat of personal identity theft gets a lot of attention, identity thieves pursue even bigger payoffs by preying on businesses, too. With the recent news of local law firms becoming victims of e-mail scams, Hawaii’s BBB offers tips to avoid business ID theft online and advice for small business owners whose identity has been compromised.

Common Types of Business ID Theft and Fraud
Regardless of the target or tactic, scams related to business identity theft or fraud have only one goal: To deceive. Common types of identify fraud and theft include:

Overpayment scams. Posing as a prospective client is a common identity fraud scheme against businesses. First, the scammer contacts a business by e-mail to present themselves as a prospective client. Soon after, the “client” sends or offers to pay an amount much greater than the actual cost of a product or service, and asks to have the extra money returned or forwarded to another vendor—usually by wire transfer. Businesses that deposit the checks, money orders or credit card charges ultimately find out they are counterfeit and left liable for the losses.
Falsely using a business’s name. Business ID thieves often hijack a trustworthy name and reputation to commit consumer fraud, such as advance fee loan or lottery scams. Business owners usually learn about the identity theft after receiving calls from angry consumers ripped off by the scammers.
Fraudulent use of Employer Identification Numbers. A crafty ID thief can do a lot of damage with a business’s Employer Identification Number or individual’s Social Security Number, including gaining access to or opening up new bank and credit card accounts under their name.
Purchasing goods under a company’s name. Business identity theft can also be perpetrated by scammers who purchase items in the company’s name either for personal use or to resell.

Avoiding Scams and Business ID Theft Online
When it comes to protecting your identity, an ounce of prevention is worth far more than the amount of money, energy, and agony that goes into getting things back to normal after your—or your clients’—financial and personal information has been stolen.

Don’t get hooked by phishing. Phishing uses e-mail in order to coerce sensitive information from victims and may be disguised as messages from potential clients to gain trust, sympathy or details used to set up a scam.

Reduce the chance of ID theft through phishing e-mails by not posting your full e-mail address online. Turn your name or the words “E-mail me” into a clickable e-mail link or direct people to your Web site instead.
Always delete unsolicited e-mails from banks, credit unions, investment firms and government agencies with which you do not have an established relationship.

Use anti-virus, anti-spyware, anti-spam, and firewall protection. Most computers come with pre-installed firewall protection, so make sure this protection is enabled. Once installed, be sure to keep the security software updated and schedule regular system scans.

Responding to Business ID Theft and Fraud
The most important thing to do when you discover identity fraud is to take action right away.

Notify online authorities. Contact your ISP or web-based e-mail provider to report spam, phishing attempts or a spoofed e-mail address. If scammers are using your business name on phishing e-mails or phony Web sites, also contact the FBI's Internet Crime Complaint Center.
Report it to the bank, credit card companies and police. Immediately notify the financial institutions if your ID is lost or stolen. If someone is accessing accounts, forging checks or opening up new lines of credit, file a report with the local police and get a copy of the report to include when notifying your creditors and credit reporting agencies of the fraudulent activity.
Alert the public. If your identity is being used to rip off customers, warning the public is a can prevent additional victims. An easy first step is to post a warning on your Web site home page briefly. Contact Hawaii’s BBB for help in getting information out to consumers quickly. Depending on the scope of the scam, business owners might also want to consider alerting media or making direct contact with customers via phone or e-mail.
Review your credit report. If you are an independent agent, contractor or in a sole proprietorship, the same consumer protections apply as if an individual’s ID were stolen—such as access to free credit reports and the ability to place a fraud alert on the report. For most businesses however, those credit reports don’t typically include the information necessary for detecting fraud.

For more small business advice on avoiding ID theft and what to do if it happens to you, go to www.bbb.org.

National Small Business Week: Free Online Resources

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. As part of National Small Business Week, Hawaii's BBB has compiled free online resources 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
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. www.smartbrief.org/bbb

BBB Tips on Direct Selling
BBB and the Direct Selling Education Foundation have created a series of articles, tips, videos and PSAs to educate direct sellers, their customers and those considering a career path in direct selling. 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)
FTC has free resources on best practices for complying with federal laws. 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

U.S. Small Business Administration (SBA) Small Business Training Network
A virtual campus housing free training courses, workshops and resources designed to assist entrepreneurs and other students of enterprise. http://www.sba.gov/training/
• Small Business Administration - Hawaii

SCORE
SCORE is a business resource that uses volunteers, both working and retired, with expertise to advise small businesses, lead business seminars, and coach entrepreneurs online. A SBA resource partner 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
• SCORE of Hawaii

Small Business Development Centers (SBDCs)
SBDCs provide management assistance to current and prospective small business owners. SBDCs offer one-stop help 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
• Hawaii SBDC Network

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/.

BBB Advice on How to Respond to Online Customer Complaints

5/21/2010

Posted on 5/21/2010 by

The old adage is that a satisfied customer will tell three people and an unsatisfied customer will tell ten. However, with blogs, Twitter, and YouTube, disgruntled customers can post their rant about a company for the whole world to see. Consumers are taking their complaints online and BBB advises that responding to complaints is necessary if a company wants to maintain a reputation for great customer service.

In 2009, a musician who felt United Airlines damaged his guitar on a flight was so fed up with trying to get reimbursed that he wrote a song, made a video and posted it to YouTube. Titled United Breaks Guitars, the video was viewed more than 2.5 million times in less than a week and prompted national media attention. As a result of the video’s popularity, United contacted the musician and offered to reimburse him for his guitar, but the damage was already done.

In the same way that an online rant can damage a company’s reputation, successfully handling complaints online can showcase a company’s dedication to customer service, setting it apart from the competition. Some companies have regained customers and received praise for maintaining Twitter accounts to respond to tweets from unhappy patrons.

Customers complain about and review businesses on personal blogs, in social media, business and product review sites, and in the comment sections of online newspapers. The Internet allows customers to air their grievances like a megaphone to the world, which can be a scary prospect for a business owner. Instead of being scared, companies should view the Internet as a great tool to work directly with disgruntled customers, fix the issues, and hopefully turn them into repeat business.

BBB offers the following advice to small business owners on responding to customer complaints online:

Find the conversations. One of the easiest ways to monitor who is talking about your company online and where is to simply do an Internet search of your company’s name every couple days, keeping an eye out for new results. Backtype.com and Google Alerts will send you e-mail messages when people post comments online or if your company is mentioned in the news, respectively. Also, check for comments on worldwide review sites like Yelp and in local online communities such as the Hawaii section on Craigslist.

Pick your battles. Depending on the size of your business, it can be extremely time consuming to address every blog post, comment or tweet. When choosing comments to respond to, look for ones that are less than a few days old, on prominent sites, and are about problems that you can solve.

Offer full disclosure. When defending your company online, don’t pretend to be an unbiased consumer. Tech savvy individuals can easily deduce who is behind comments so it’s best to be honest and admit up-front that you represent the company.

Take the conversation offline. Some companies have made the mistake of hashing out disputes online for everyone to see. Instead, keep online responses polite and direct and ask the customer if you can contact them directly by e-mail or phone to discuss the specific details of their complaint.

Don’t say anything privately that you wouldn’t want public. Just because you’ve taken the conversation offline, it doesn’t mean that your e-mails and phone conversations won’t end up online, so always remain polite and professional.

Follow through. Don’t drop the conversation when resolving a dispute and always follow through on promises. Consider providing a little extra perk, such as coupons, after the issue has been resolved.

Know when to walk away. There’s no satisfying some angry customers and at times a small business owner can only offer a sincere apology and walk away from the conversation.

For more BBB advice on providing great customer service online and off-line, visit www.bbb.org.

Know the Deal on Extended Warranties and Service Contracts

5/21/2010

Posted on 5/21/2010 by

There’s ongoing debate about whether extended warranties and service contracts are worth the up-front cost. The bottom line is that consumers need to make sure they completely understand the terms and weigh the value of purchsing an extended warranty or service contract versus the potential need for repair or replacement over time.

In order to help make sure you get the most out of the deal, BBB offers advice to help you confidently decide whether or not you need to purchase an extended warranty or service contract.

Extended Warranty vs. Service Contract: What’s the Difference?

Salespeople will often use the terms extended warranty and service contract interchangeably, but there is a distinction. An extended warranty is typically designed to protect you against any manufacturing defects beyond the life of the manufacturer’s express warranty. A service contract, however, provides varying degrees of maintenance and upkeep as defined in the contract. An extended warranty offers protection if your computer inexplicably goes on the fritz; a service contract might protect you if you spill coffee all over your keyboard, but, then again, it might not.

Read the Fine Print
As with any contract, you want to read the fine print of both the manufacturer’s express warranty and the extended policy. Usually you can even take the policy home to read it closely and sleep on the decision – and many extended warranties and service contracts don’t have to be purchased at the point of sale and can be purchased at a later date up to a specified period of time.

Know What You’re Really Getting
Make sure you don’t duplicate coverage. Some protection may already be in-place for a specified period of time under what is known as “implied warranty” depending on state laws. Also, if you pay with a credit card, you may be eligible for an extended warranty through your credit card company that might be sufficient.

Shop Around
Different retailers will offer different policies, so if buying an extended warranty or service contract is important to you, visit several retailers and find out which offers the best value.

Consider the Cost of the Product
When considering an extended warranty or service plan, it’s important to consider the cost ratio of the policy and the product. It isn’t really worth it to pay $50.00 for a policy to cover a $120 DVD player. You should also consider and calculate what it would cost for average repairs over the specified time period of the contract and compare it to the total cost of the service contract. If the product has a good track record for reliability, then the service contract could end up costing more money.

Bottom Line: Are They Worth It?

Considering how policies can vary, only you can decide if an extended warranty or service contract is worth the cost. Granted, extended warranties and service contracts are big money-makers for a retailer, which means that most consumers don’t cash in on the coverage. Consumer Reports found that with a few products, such as computers and plasma TVs, extended warranties are a good safety net and the extra coverage can provide you with peace of mind.

This Week in Tweets from Hawaii's BBB

5/21/2010

Posted on 5/21/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• #Biz tip: RT @mashable: 5 Ways Small Businesses Can Use Tech to Save Money - http://ht.ly/1Md2M #smallbiz

• Multiple mail surveys circulating at once cause confusion & concern about scams but are legit: http://ht.ly/1MK09 via @KITV4

• The Fed has 5 Tips for Getting the Most from your Credit Card: http://ht.ly/1NUUe

• Join us for Disney’s Approach to Quality Service, Tues in HNL. $50 off with code BBBTW: http://bit.ly/aTXxFB

• Attn nonprofits: Today is the IRS deadline to file Form 990 or lose your tax-exempt status: http://ht.ly/1Lnd0

Follow Hawaii’s BBB on Twitter for scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources.

“Teaser” Website Helps Consumers Spot Advance Fee Loan Scams

5/21/2010

Posted on 5/21/2010 by

The Federal Trade Commission has created a “teaser” website for a fictitious lending company that warns consumers about how easy it is to be fooled by scammers charging up-front fees for bogus loans. The site also explains how to spot and avoid loan scams.

The website is part of a consumer education campaign to help consumers manage their money and learn to recognize scams.

At wemarket4u.net/esteemed/index.html, consumers enter the fictitious world of Esteemed Lending Services, where a loan for every situation is guaranteed. The site claims qualified loan specialists will help you find a loan for any purpose, or consolidate your high-interest debt – regardless of your credit history.

But when consumers click to learn more or apply for a loan, they will discover that Esteemed Lending is not a real company. The website provides information to warn consumers about scammers masquerading as lenders. These scammers start by promising loans, only later revealing a fee that consumers have to pay first. If they pay, it’s unlikely they will see the promised loan, and they run the risk that their personal information will end up in the hands of identity thieves. The site also gives consumers tips to help spot an advance fee scam, and includes links to more information from the FTC.

This website and other FTC “teaser sites” are available at wemarket4u.net.

Source: http://www.ftc.gov/opa/2010/05/teaserscams.shtm

BBB and Direct Selling Education Foundation Partner to Raise Awareness

5/19/2010

Posted on 5/19/2010 by
Arlington, VA – May 18, 2010 - Better Business Bureau (BBB) and the Direct Selling Education Foundation (DSEF) today announced the launch of a national partnership to raise awareness of ethical business practices and consumer protection by providing expert advice and guidance for direct sellers and their customers.

According to the most recent figures from the Direct Selling Association more than 15 million people in the US sold about $30 billion in products and services through direct selling in 2008. Nearly one-third of the sales were for personal items such as cosmetics, jewelry, skin care; a quarter of the items sold were for home goods including cleaning products and cookware. Worldwide, direct selling is a $100 billion industry.

“The direct selling industry represents a vibrant channel of distribution, and BBB and the DSEF created this partnership to educate the growing number of sellers and customers on their responsibilities and rights,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “Building trust is integral to success in sales and it’s important for direct sellers to maintain best practices and for customers to know what to expect when making a purchase.”

BBB and DSEF 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. The topics covered include maintaining ethical sales practices, understanding consumer rights and recognizing red flags to avoid pyramid schemes. All the information is available for free online at http://www.bbb.org/us/DSEF-tips/.

“Promoting ethical business practices is at the heart of DSEF’s mission,” said Charles L. Orr, Executive Director, Direct Selling Education Foundation. “Our partnership with BBB brings ethics to life for both direct sellers and their customers.”

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.

About DSEF
The Direct Selling Education Foundation (DSEF), created in 1973 by visionary leaders of the Direct Selling Association, serves the public as the industry’s goodwill ambassador. Headquartered in Washington, D.C., the international non-profit organization offers comprehensive programs that advance the direct selling industry’s support of consumer rights and protection, education about the industry, ethical leadership, and individual economic empowerment. Thousands of industry and community thought leaders from diverse backgrounds and organizations have come together at DSEF sponsored programs to learn, grow and create a vital and healthy business climate. Our services include conferences, training sessions, publications, university campus visits, teaching and instructional materials, networking opportunities, grants to organizations, consultative assistance and grants for research and case studies. For more information, visit www.dsef.org.

This Week in Tweets from Hawaii's BBB

5/13/2010

Posted on 5/13/2010 by
The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• Something fishy? Got ripped off? Use "I want to report a scam" & tell us: http://ht.ly/1KOra

• Requests for info up, complaints against HNL businesses down & more in Hawaii's BBB Activity Report for April: http://ht.ly/1Kl8y

• It's not a scam: Hawaii Consumers Receive MoneyGram Settlement Checks from FTC: http://ht.ly/1JRhg

• What happens to your online accounts, usernames & passwords when you die? http://ht.ly/1JNR3 via @clarkhowardshow

• 15 new fake coupons so far in May. Coupon Information Corp. helps you tell a real one from a fake one: http://ht.ly/1Jj2y

Follow Hawaii’s BBB on Twitter for scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources.

Hawaii's BBB Activity Report for April 2010

5/12/2010

Posted on 5/12/2010 by

A monthly summary of activities at Hawaii's BBB.

Most Complained About Businesses
Type of Business	Complaints

Auto Dealers – New Cars	14
Auto Renting & Leasing	6
Restaurants	5
Vacation Rentals	5
Auto Dealers – Used Cars	5
General Contractors	4
Plumbing Contractors	4
Real Estate Agents	4
Property Management Companies	4
Cellular Telephone Services	4
Timeshare Companies	4
Travel Clubs	4

Top Complaint Issues	Complaints
Customer Service	36
Billing or Collection	30
Refund or Exchange	27
Sales Practice	24
Contract	24
Service Quality	19
Advertising Claim	19
Repair	12
Product Quality	11
Delivery	9
Guarantee or Warranty	2

Complaints about Hawaii businesses by county

Most Asked About Businesses
Type of Business	Inquiries
General Contractors	781
Roofing Contractors	592
Plumbing Contractors	551
Wedding Consultants	550
Travel Agencies & Bureaus	516
Pest Control Services	442
Auto Body Repair & Painting	439
Painting Contractors	405
Construction & Remodeling Services	389
Auto Dealers - New Cars	386

Inquiries about Hawaii businesses by county

BBB Consumer Services
• Complaints opened: 219
• Requests for information: 31,304
• Requests for BBB Accredited Business lists: 6,913
• BBB consumer programs, participation and presentations:
▪ 2010 Financial Literacy Fair
▪ BBB Military Line presentations at Pearl Harbor and Schofield Barracks
▪ BBB Charity Review presentation at Chaminade University

BBB Accredited Business Services
• The Business Bulletin newsletter: 1,008 readers
• Webinars
▪ Operations and Structure in a Family Business
Attendance: 23

BBB Accreditation
• New BBB Accredited Businesses: 25
• Businesses revoked of BBB accreditation: 2
• New BBBOnLine participants: 37
• New BBB Accredited Charities: 3

Visitors to Hawaii's BBB website: 27,664

Hawaii Consumers Receive MoneyGram Settlement Checks from FTC

5/11/2010

Posted on 5/11/2010 by

Last last month, the Federal Trade Commission (FTC) began mailing checks to consumers identified as victims of a series of cross-border fraud schemes involving payments via MoneyGram International, Inc. Since then, Hawaii's BBB has had calls from local consumers who have received these checks and are wondering if they are fake.

Averaging $520, the more than 34,000 checks totaling almost $18 million are real. The checks are being sent to U.S. consumers who complained directly to MoneyGram about their fraud-induced money transfers within the United States or to Canada from 2004 through 2008.

The FTC urges consumers who receive a redress check to cash it within 60 days and call 1-877-740-6993 with any questions. Be advised that the FTC never requires an up-front payment or additional information before consumers cash the redress checks they are issued.

In October 2009, the FTC charged that MoneyGram agents helped fraudulent telemarketers and other con artists who tricked U.S. consumers into wiring millions of dollars within the United States and to Canada after being falsely told they had won a lottery, were hired for a secret shopper program or were guaranteed loans. Read details about the FTC’s complaint and the settlement agreement with MoneyGram in the press release at ftc.gov.

This Week in Tweets from Hawaii's BBB

5/7/2010

Posted on 5/7/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• RT @consumerreports: Facebook security bug a stark reminder about online privacy http://bit.ly/cizmeL

• How to Report Scams on Craigslist, eBay, PayPal: http://bit.ly/9zsJGw via wired.com

• BBB TrustBrief-Trust critical to public & workplace success, new copiers' security holes & more: http://ht.ly/1HTAD #smallbiz

• Tell mom you care about her privacy with an FTC Mother's Day card: http://ht.ly/1Hv6O #privacy #MothersDay

• Yahoo Messenger photo link from a friend may link to malware instead http://bit.ly/a93t9F via @symantec

Follow Hawaii’s BBB on Twitter for scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources.

2010 U.S. Census Takers Knocking on Doors: Be Cooperative But Cautious

5/6/2010

Posted on 5/6/2010 by

The next phase of the 2010 U.S. Census has begun and roughly census takers are knocking on the doors of households that did not return their census form through the mail. BBB encourages anyone who didn’t return their form in the mail to prepare for a visit from a census taker by learning what to expect and how to identify scammers.

The goal of the U.S. Census is to count every man, woman, and child in the country. It is a massive undertaking and unfortunately scammers are taking advantage of the situation by sending out bogus census forms or knocking on doors and asking for sensitive information, such as Social Security numbers.

The chances are slim that the census taker at your door is a scammer and it is very easy to identify a legitimate employee just by recognizing what they won’t ask or do. A census taker will not ask for your Social Security, credit card or bank account numbers nor will he or she ask to enter your house for any reason.

Census takers will visit households that didn’t respond by mail up to three times for a response, each time leaving a door hanger featuring a phone number for residents to call to schedule a visit. It costs the federal government, and ultimately the taxpayer, $57 for every household visit a U.S. Census taker makes.

BBB answers frequently asked questions about receiving a visit from a census taker:

How can I identify a census taker?
First, ask to see their ID. All census workers carry official government badges marked with just their name; they may also have a "U.S. Census Bureau" bag. If asked, he or she will provide supervisor contact information and/or the Local Census Office phone number for verification. The U.S. Census Bureau has also created a video on how to identify a census taker.

What kinds of questions will they ask?
The census taker will ask the following questions:

The number of people living in the residence
Any additional people that might be living there as of April 1, 2010
Whether the residence is owned or rented
Telephone number (in case the Census Bureau has follow-up questions)
Name
Sex
Age and date of birth
Whether of Hispanic origin
Race
Whether that person sometimes lives somewhere else

Why might a census taker visit me if I mailed my form back?
Even if you mailed your form back, you might still get a visit—or a phone call—from a census taker. Reasons include if they are spot-checking for accuracy, have questions about your response or if you mailed your form in late.

Do I have to respond?
Yes. Your participation in the 2010 U.S. Census is vital and required by law. Not only do you have to respond, it’s in your community’s best interest that you take part. By responding, you’ll help your community get its share of more than $400 billion per year in federal funds to help increase job training, improve schools and more.

How safe are my answers?
All census responses are confidential; they are protected by law and not shared with anyone—including other government agencies like Immigration and Naturalization Services. All census takers have passed an FBI background check, taken an oath of nondisclosure and are sworn for life to protect the confidentiality of the data. The penalty for unlawful disclosure is a fine of up to $250,000, imprisonment of up to five years or both.

Will the census taker ask any questions other than what was on the mail-in form?
At any point in time, the U.S. Census Bureau is conducting a number of surveys in order to better understand the complexities of our nation. Therefore, you may be asked to respond to a survey that is not related to the 2010 U.S. Census. The topics include healthcare, employment and the demographics of your household. Before responding to a survey that claims to be with the Census Bureau, do your research on the U.S. Census Bureau’s website.

For more information on the 2010 Census visit the Census 2010 website.

Tips to Avoid Moving Scams

5/3/2010

Posted on 5/3/2010 by
Arlington, VA – May 3, 2010

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 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, BBB receives extremely serious complaints from consumers who have fallen prey to dishonest and sometimes unlicensed moving companies.

BBB received more than 8,400 complaints against movers in 2009. Complaints to 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 BBB more than 1 million times for finding a trustworthy mover,” said Stephen A. Cox, President and CEO of the Council of Better Business Bureaus. “When making the final choice, go with a BBB Accredited Businesses or, at the very least, choose a business that has a good rating with BBB.”

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 rating with your BBB; BBB maintains more than 17,000 reliability reports on movers across North America. Having at least 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 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 or find your nearest Better Business Bureau, visit www.bbb.org.

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.

About AMSA
The American Moving & Storage Association, headquartered in Alexandria, Va., is the trade association representing the nation’s moving and storage companies, which provide household goods moving services, specialized transportation for sensitive freight such as computers and trade show exhibits, and warehouse storage services. The association has 3,200 members, including more than 200 international members, and sponsors programs and activities that promote consumer protection, professional development, safety, and operational efficiency.

This Week in Tweets from Hawaii's BBB

4/30/2010

Posted on 4/30/2010 by

The week's most popular tweets and links from Hawaii’s BBB on Twitter:

• When it comes to your personal financial info, know your privacy choices: http://bit.ly/6lTyzM

• #Biz tip: RT @GuyKawasaki: 10 ways to build trust with online customers: http://bit.ly/bdVsFu #smallbiz

• RT @mashable: HOW TO: Disable Facebook's "Instant Personalization" http://bit.ly/akAuv0 #PRIVACY

• Get less spam. Take your address off commercial email lists: http://bit.ly/b3Agnq via DMAchoice.org

• You know how the old saying goes, LooksTooGoodToBeTrue.com can confirm it: http://bit.ly/apKght

Follow Hawaii’s BBB on Twitter for scam alerts, information on BBB programs and services, business and consumer tips, and links to related resources.

Hawaii’s 2010 BBB Torch Award Recipients Announced

4/27/2010

Posted on 4/27/2010 by
HONOLULU (April 28, 2010) – Hawaii’s Better Business Bureau® (BBB) honored businesses, public charities, and individuals for their outstanding commitment to fair, honest, and ethical marketplace practices at the 2010 BBB Torch Awards today. Awards were presented to three businesses and one public charity, as well as to two Honolulu newspaper consumer columnists.

“It’s extremely rewarding for Hawaii’s BBB to recognize businesses, charities, and individuals for their dedication to running honest, ethical organizations,” said Dwight Kealoha, chief executive officer of Hawaii’s BBB. “Consumers should be proud that companies like these put standards for ethics and integrity at the top of their priority lists. All of the BBB Torch Awards recipients and finalists are shining examples of BBB’s vision of a trustworthy marketplace.”

2010 BBB Torch Award recipients in each category are:

Public Charity: Lanakila Pacific
Small Business: Loomis-ISC
Medium Business: Lex Brodie’s Tire Company
Large Business: Servco Pacific

Honolulu Advertiser business writer, Robbie Dingeman and June Watanabe, consumer columnist for the Honolulu Star-Bulletin, received the BBB Ka Mea O Kāko‘o award. The award honors individuals who have significantly advanced marketplace trust by their demonstrated commitment to consumer advocacy, protection or education. Dingeman and Watanabe were recognized for their work to provide their readers with information, resources and answers that help them become smarter shoppers and better consumers.

BBB Home Improvement Advice: Do-It-Yourself or Hire a Pro?

4/23/2010

Posted on 4/23/2010 by

Whether it’s hanging new wallpaper or an addition to the house, many homeowners are faced with the decision to either hire a professional or do it themselves. BBB offers advice for determining whether a home improvement project is a do-it-yourself (DIY) or a get-a-professional job.

Cost can be a concern when it comes to home remodeling projects and many homeowners have realized the amount of money that can be saved by doing home improvement projects on their own. While labor can easily total more than half the cost for major projects, homeowners need to balance the desire to save money with the need for a job well done.

For those planning to take on major home projects, BBB offers the following advice to help make informed decisions on whether or not to enlist the help of professionals.

Know what you’re getting into.
Cosmetic changes, such as painting or wallpaper are easy DIY projects. Structural changes, such as plumbing, wiring, or framing are typically best left to professionals. Even moving a bathroom sink a few inches can become a huge hassle re-routing the plumbing, painting, caulking and tiling. BBB recommends that DIYers do some research on the project and realistically consider what they can do well, and ask for advice from friends and family to understand the scope of the project.

Hire a professional.
If the project requires specialized skills, could take an extensive amount of time or calls for additional workers, hiring a contractor may be the best option. BBB recommends getting at least three detailed estimates. Compare the estimates and negotiate on issues that are important, because changing plans once the project is underway often involves additional expenses.

Divide the work.
One way to defray costs is to work with a contractor to determine what is and is not a DIY task. Demolition work on the front end and clean-up or cosmetic work such as painting or putting up wallpaper on the back end can keep costs down while the still reaping the benefit of having an expert for the “heavy lifting” that requires more skill.

Weigh the costs.
While hiring professionals is an added expense to any project, they often have relationships with suppliers and can usually get materials for much cheaper than a homeowner can. For DIYers, BBB recommends comparison-shopping. Saving money requires research, both online and with visits to home improvement and specialty supply stores. Homeowners can check out suppliers with BBB Reliability Reports.

Get the right tools for the job.
Some DIY jobs can be done with as little as a screwdriver or a hammer, but most require specialized tools and equipment that add to the cost of the project. To achieve the desired results, it’s important to use the right tools, which can mean renting large equipment and machinery as well as buying new tools and accessories.

For more trustworthy BBB advice on DIY projects, and to find reliable information on choosing and working with contractors, start at bbb.org.

Hawaii's BBB Activity Report for March 2010

4/19/2010

Posted on 4/19/2010 by

A monthly summary of activities at Hawaii's BBB.

Most Complained About Businesses
Type of Business	Complaints

Auto Dealers – New Cars	17
Airlines	9
Auto Renting & Leasing	7
Timeshare Companies	6
Banks	5
Vacation Rentals	4
Wedding Consultants	4
Payday Loans	4
Jewelers – Retail	4

Top Complaint Issues	Complaints
Billing or Collection	46
Customer Service	44
Sales Practice	36
Refund or Exchange	30
Contract	28
Service Quality	21
Delivery	12
Repair	11
Guarantee or Warranty	9
Product Quality	7
Advertising Claim	4

Complaints about Hawaii businesses by county

Most Asked About Businesses
Type of Business	Inquiries
Plumbing Contractors	801
General Contractors	705
Wedding Consultants	662
Travel Agencies & Bureaus	618
Pest Control Services	589
Roofing Contractors	489
Sweepstakes	410
Auto Body Repair & Painting	388
Construction & Remodeling Services	349
Mortgage Brokers	327

Inquiries about Hawaii businesses by county

BBB Consumer Services
• Complaints opened: 257
• Requests for information: 29,973
• Requests for BBB Accredited Business lists: 6,929
• BBBOnLine clicks: 166,393
• BBB programs, participation and presentations:
Oahu PrimeTime Wellness Fair and National Consumer Protection Week Consumer Fair.

BBB Accredited Business Services
• The Business Bulletin newsletter: 1,080 readers
• Online seminars
   ▪ Is Your Business Prepared to Compete in 2010 and Beyond?
      Businesses attended: 11
   ▪ Driving Business Financial Results–Profitability & Cash Flow
      Businesses attended: 16

BBB Accreditation
• New BBB Accredited Businesses: 24
• Businesses revoked of BBB accreditation: 1
• New BBBOnLine participants: 41
• New BBB Accredited Charities: 1

Visitors to Hawaii's BBB Web site: 28,595

BBB Warns Businesses About New Phishing Attack

4/14/2010

Posted on 4/14/2010 by

Beware of fake complaint reports coming from seatac@bbb.org.

Better Business Bureau is warning businesses to beware of a new malicious e-mail that pretends to be from BBB about a complaint filed against the company. The e-mail first came to BBB’s attention on April 12, 2010.

Several businesses across the US--including law firms, advertising agencies and architecture firms--have reported receiving a suspicious e-mail from the address seatac@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 e-mail claims that the company did not respond to a complaint filed by a Jason Harlow (however other names may be used) and includes a link to a page at www.ca-bbb.org where the business can supposedly review the complaint.

Because the message is fraudulent, 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, and
• Run a full virus scan on your computer if you did click on any links.

If you receive an e-mail from Better Business Bureau about a complaint filed against your business and need help to determine whether or not it is legitimate, contact your local BBB directly.

For more advice on how to protect your business from malicious online attacks, see BBB's Data Security—Made Simpler.

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