Your Moment of Trust: Recent Episodes
Better Business Bureau of the Tri-Counties
The Better Business Bureau, serving the Tri-Counties, shares tips and resources on how you can help them in their ongoing mission to Advance Marketplace Trust between business and consumers. Tune in each week for valuable information that you can use each day. https://bbb.org/local-bbb/bbb-of-the-tri-counties 805-963-8657
A Podcast by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-the-tri-counties A BIG thank you to Ayers Automotive Repairs in Santa Barbara for Supporting this Podcast!
Welcome to this week’s edition of Your Moment of Trust! A new text message scam seems so innocent that it’s tempting to reply. But con artists are using phony “wrong number” texts to lure victims into conversation and falling for a scam.
How the scam works
You receive a text that reads something like this: “Hey is this John? It’s Amanda. We chatted on Tinder before when I came to visit my cousin but we never met irl. I’m back in town if you want to meet up this time, are you free?”
If you reply to a text like this, even with a polite, “Sorry, wrong number,” the stranger responds anyway, seemingly ignoring your answer. Usually, you’ll receive a few compliments and some photos of “Amanda,” who appears to be a scantily clad blonde woman. However, as the word gets out about this scam, scammers will change up the names, backstory, and photos.
If you continue to engage with the stranger, who is really a chat bot, it tries to trick you into registering for dating or adult websites. Your new “friend” will encourage you to sign up for a specific website to see more explicit photos, which may involve offering up your credit card number. Considering the dubious nature of this scam, if you hand over your credit card information at any point, you could be putting yourself at risk for fraudulent charges and identity theft.
Even BBB staff has received these texts. “I did a double-take,” says Pam Anson, Director of Brand Outreach for BBB Serving Greater Cleveland. “It’s a different approach than most scammers take and I didn’t think anything too seriously until more of my friends started to say that they also received it... It’s obvious that the scammers are trying to elicit a response, such as sympathy, to this woman for receiving a fake number from a friend, but we need to remind consumers that appearances can be deceiving.”
How to avoid chat bot scams
● Ignore texts from strangers. Strangers on the internet can pretend to be anyone. Question motives behind both solicited and unsolicited messages. If you receive a text from someone you don’t know, simply don’t reply. It’s the safest route. If you engage with a scammer, even briefly, they will mark your number as active and you could receive even more shady texts in the future. ● Block numbers that appear to come from scammers. Unsolicited texts that look like they come from a chat bot or that ask you to click on suspicious links are probably not safe. Block these numbers to prevent scammers from contacting you through them again.
Never give your personal information to strangers. Never share your credit card or banking information, your full name, home address, or social security number with someone you never met in person. Remember that any photo you upload on social media can be stolen and used by a scammer.
For more information
If you have compromised your personal information, you can report the incident to law enforcement and the Federal Trade Commission.
For additional romance scam resources visit BBB.org/romance. Read the BBB Tip: Spot the red flags of fake text messages. Read more about similar scams, such about text messages with surprise offers.
If you’ve been the victim of a text message scam, report it at BBB.org/ScamTracker. Your report can help expose scammers’ tactics so others won’t fall prey.
Until next time!
A Podcast by BBB of the Tri-Counties: http s://www.bbb.org/local-bbb/bbb-of-the-tri-counties A BIG thank you to Ayers Automotive Repairs in Santa Barbara
Welcome to this week’s edition of Your Moment of Trust! The end of the year is a time to show appreciation for those who provide necessary services and little luxuries in your daily life. But this year, the increased cost of goods and services means you may need to pay extra attention to your tipping budget. Even if you are limited in what you can give, there’s no need to feel uncomfortable. A little extra thoughtfulness can go a long way.
Determining who to tip and how much to give can be confusing. To avoid extra holiday stress, BBB recommends the following tips to help you tip confidently while staying within your budget.
Tips for holiday tipping
● Consider your budget. Begin planning your tips by looking over your holiday budget, or creating one, if you haven’t already. Tips aren’t obligatory, so if you don’t have the extra cash, consider other ways to show your gratitude. According to the Emily Post Institute, homemade gifts or a simple thank you note are perfectly acceptable ways to say “thank you” when funds are short. ● Start planning tips early. You don’t want to be scrambling through your purse to find some extra cash when you see your regular delivery driver pull up. Once you set your tipping budget, make a list of who you plan to tip and how much. Do this as early as possible, keeping in mind that tipping before the holidays are officially here means the recipient will have extra cash for holiday spending. ● Tip with cash when possible. Cash is usually the best way to give a tip. It means the recipient has access to the funds right away and won’t have to pay any fees to use the money. That said, if you regularly pay someone via an app and want to tip that way, you can. Just make sure you include a brief note letting them know the extra money is a tip for their excellent service. ● Make the tip attractive. For a classic tip, The Wall Street Journal says crisp bills in an envelope that reads “Thank You” on the outside is ideal. You can even write a brief thank you note to express your gratitude when appropriate. ● Tip according to the depth of your relationship. Match your tip amount to the quality and quantity of work the person does for you. If you hire a babysitter occasionally, an appropriate tip might be the equivalent of one evening’s pay. On the other hand, if you have a live-in housekeeper, an entire week’s pay would be suitable.
Know Who NOT to Tip:
Some professionals can’t accept tips because of ethical reasons, including doctors, lawyers, and government officials. Some companies don’t allow their employees to accept tips. Don’t be afraid to ask up front if a professional or company employee can accept tips if you aren’t sure. When appropriate, a gift is a good alternative.
Tipping by Profession
● Personal service providers. For hairdressers, massage therapists, or any other personal-service provider you regularly tip, consider upping your tip amount during the holiday season. If you usually tip 20%, make it 40%. Depending on your budget, you may decide to tip them the cost of an entire visit. The same goes for other service providers, like your dog walker or groomer. The equivalent of one service makes for a generous end-of-the-year tip. ● Nannies, babysitters and caregivers. A similar rule applies to tipping childcare, home health aides, and similar professions. Tipping the cost of a session, such as an evening’s pay for a regular sitter, is considered standard. For a live-in nanny, consider a bonus of up to a week’s wages. For those hired through a service, make sure you check that they are allowed to accept tips before giving. ● Building staff. If you live in an apartment building, consider tipping cleaners, superintendents, security, and concierges. Somewhere between $25 to $100 each is a good range for this kind of service. ● Mail and delivery service providers. U.S. Postal Service workers may not accept gifts of cash or gift cards, but they can accept small gifts worth $20 or less. Canada Post workers can accept nominal gifts worth no more than $100. In both countries, FedEx and UPS employees are encouraged to decline cash gifts, but they can accept small personal gifts when making a delivery. ● Professional service providers. Most professionals, such as teachers, doctors, lawyers, etc., won’t accept cash gifts, so consider giving them a gift card or present instead, with a note of thanks.
Until next time!
A Podcast by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-the-tri-counties
A BIG thank you to Ayers Automotive Repair for supporting this podcast! https://www.ayersrepairs.com
Welcome to this week’s edition of Your Moment of Trust! Even with inflation worries this holiday season, most pet owners still plan on spoiling their fur babies with holiday gifts.
According to a poll by Chewy in 2022 (Chewy is a BBB Accredited Business), more than 90% of pet owners include their pets on their holiday shopping list, and another study shows that giving to pets makes people happy.
However, with thousands of pet gifts to choose from, ranging from toys and treats to doggie spa days and advent calendars, how can you choose a good gift for your pet? BBB recommends the following tips to help you find the perfect gift: one that is safe, within your budget, and one your pet will adore.
Choosing the perfect pet gift
● Stay within budget. If you are making multiple gift purchases this holiday season, it’s especially important to plan your holiday budget and then stick to it. Be sure to include your pets in the budget and then shop for gifts that are within your means. ● Pick a gift that matches your pet’s personality. Just like people, every pet is different. Some are more active than others, some are food-motivated, some love to chew, and some love to run. Take your pet’s personality into consideration to choose a gift they will really enjoy. The Humane Society has ideas for toys based on your pets’ personalities and needs. ● Choose a gift that is safe. Most importantly, choose a gift that is safe. Avoid toys that are small enough to be ingested. Make sure toys don’t have any ribbons, string, rubber bands, etc., that a pet could swallow. You should also be able to clean toys, whether that means machine washing them or wiping them down occasionally. ● Know what’s inside your toys. For many dogs – and some cats – destroying a toy is much of the fun. Keep this in mind when shopping. Read labels and make sure what’s inside the toy is also safe. For example, many toy stuffings aren’t digestible and could pose a danger. ● Check the ingredients in edible gifts. Stick to treats and foods that are made specifically for dogs or cats. The FDA warns that many human treats contain ingredients that are hazardous to pets, such as xylitol. If you’re looking for treats that contribute to dental health, check the Veterinary Oral Health Council website for a list of acceptable chew treats for both dogs and cats. In addition to quality, keep an eye on quantity. If your dog or cat has a stocking full of pet treats, don’t let them gobble them up too fast, as this could lead to choking or digestive issues. ● Weigh the pros and cons of subscription services. Subscription services can be a fun way to give your pet gifts all year round, but you’ll want to do plenty of research before signing up. Get to know the company, investigate free trials, and make sure you know how to stop a subscription before you choose a service. ● Check out pet advent calendars. Pet advent calendars have become incredibly popular in recent years. These can make good gifts too, but they aren’t always a bargain. You’ll need to compare calendars to get the best deal. In addition, keep an eye out for advent calendar scams, which have become especially common through social media ads. ● Purchase gifts from reputable vendors, especially if you are making a purchase online. Read consumer reviews before doing business with a company, and keep an eye out for fake websites while you shop. If you ever need to return an item that was purchased online, see our tips for hassle-free returns.
Until next time!
A Podcast by BBB of the Tri-Counties https://www.bbb.org/local-bbb/bbb-of-the-tri-counties
A BIG thank you to Ayers Automotive Repair for supporting this podcast. https://www.ayersrepairs.com
Welcome to this week’s edition of Your Moment of Trust! Supply chain problems, shipping delays, and inflation can make it even tougher to create and stick to a budget during the holidays. This meansthat planning ahead and knowing your sp ending limits are more important than ever. How can you build a holiday budget that will cover buying for everyone on your list while keeping you out of debt? BBB recommends the following steps for calculating your seasonal budget and sticking to it.
How to make and stick to a holiday budget
● Calculate your debt. Before planning gifts and parties, take a look at how much you owe. Pay close attention to any debt that incurs interest. If you have more debt than you can pay off before the holidays, then you'll want to keep spending to a bare minimum. Remember, there are plenty of inexpensive and even free ways to show friends and family how much you love them during the holiday season. ● Project your income and expenses. Next, calculate how much money you will earn this holiday season. Review your income from the past three months to calculate an average monthly income. Now, you know how much money you have. Before you start setting aside money for holiday fun, make a list of any regular expenses you need to address. These might include utility bills, groceries, gas, and rent or mortgage payments. Don't forget about any annual fees that might come up around the new year, like HOA fees or your car registration. Subtract these necessities from your monthly income. Add any savings you've set aside for the holidays, and decide how much you can spend.
● Set up a separate holiday budget. Next, make a list of holiday expenses you plan to incur. Include all holiday-related expenses but divide them into categories: travel costs, holiday parties, decorations, cards, gifts, clothes, professional photos, gift wrap, etc. Add up the cost of each item and subtract it from your holiday budget amount. If you have leftover funds, great! If you are over budget, consider what items you want to prioritize and what items you can modify or cut from your list. For example, your budget might not allow you to host a 50-guest holiday bash for the whole block, but you may be able to afford an intimate family holiday dinner instead. ● Create a gift list. A detailed shopping list can be a huge help when working with a specific holiday budget. Write down each individual you plan to buy a gift for preparation will help you do your research and find better deals when purchasing their gift. ● Keep track of your spending. This is one of the most essential tips on this list. By tracking your spending, you'll always know how much you have left to spend, when it is okay to splurge on an item, and when you're approaching your budget limit. Tracking your spending will keep you from making unwise purchases on a whim and help you avoid taking on unnecessary debt. ● Plan for inflation. Inflation can affect both your gift-giving plans and your daily expenses. Be sure to factor rising prices into your regular budget for items like groceries and gas. When working on your holiday budget, it's important to know that some gifts will cost more than last year, and they may never go on sale thanks to supply chain delays. Always do a price comparison before you buy a product, and don't be afraid to scale back on gift-giving this year if you need to. ● Take advantage of sales, rewards, and cash-back offers. Take advantage of Black Friday deals, Small Business Saturday sales and Cyber Monday offers. If you are part of a rewards or loyalty program that offers special discounts or cash-back rewards, save money by using these promos to purchase gifts and decorations. ● Bundle your shipping. Free shipping may not be as common as last year, so double-check the store's shipping policies before you click the checkout button. In some cases, you may be able to get multiple gifts in a single purchase so you can reach the minimum dollar amount and qualify for free shipping. ● Avoid panic buying. Whatever you do, don't panic buy. Yes, many items will be in limited supply, but there are still many items you can purchase as gifts. It's never a good idea to pay more for an item than what it's worth just because it's in short supply. In fact, that's how many people fall victim to hot toy scams and counterfeit product scams each year. ● Consider alternative ways to gift. If your budget doesn't allow you to buy the extravagant gifts you once did, there are still ways to practice meaningful giving this holiday season. If you are creative, handmade gifts can mean the world to your friends and family. Is there a new mom or an older person on your gift list? Consider giving them a gift of service by offering to prepare dinner or clean their situation. Some families cut down on gift-giving by doing a Secret Santa exchange with a set spending limit.
Until next time!
Welcome to this week’s edition of Your Moment of Trust! When shopping for a team jersey or other sports memorabilia, Watch out for fakes. Scammers know that authentic game-used and/or autographed items can fetch big bucks – especially for items commemorating big games.
When shopping online, it can be hard to trust that a seller or product is genuine. Follow these tips when buying sports memorabilia:
“Game-used” items are highly sought after. Buyers prize items that saw action on
the court or field as valuable parts of sports history. Consumers should be aware that there is a significant difference between “game-used” and “game-issued.” For example, a game-issued jersey was designed for the player to wear, but it may not actually have been worn. There’s nothing wrong with selling that game-issued item—unless the seller scuffs it up and tries to pass it off as game-used for a higher price.
Autographs are even trickier. With the use of autopen, manufacturers can reproduce ink signatures hundreds of times. Again, there’s nothing wrong with selling autopen-signed items as long as they’re not misrepresented as personally signed by the player and priced accordingly. Buyers also need to watch out for online listings that describe items as “hand-signed” without specifying whose hand-signed it. That could be technically correct but still highly misleading.
Outright forgeries can be the hardest to spot, and this issue has plagued collectors for decades. If you don’t have time to become an autograph authentication expert but still want to make purchases, here are some steps you can take.
How the scam works - an example
Victims of this scam typically find fake sports merchandise through a social media ad or a quick web search. These online scam stores have great photos and cheap prices, making them look believable.
Victims report that, at first, the purchase seems normal. The site charges their credit card and sends a confirmation email. However, weeks pass, and the jersey never arrives. The anticipation of having a keepsake of a favorite team is suddenly dashed when the victim tries to contact customer service. They quickly find that neither the company nor the product exists.
One disappointed fan reported the following to BBB Scam Tracker: “This company
advertised selling collector's items of sports merchandise in special boxes. Each box was supposed to have a certain number of team-related items like a jersey, signed football or mini helmet, etc. I paid 69.99 for the top box of Chicago Bears items. What I actually got was a cheap no-brand jersey, an NFL keychain, and a face mask. I went to good to be true. If the price of an item, collectible or not, is significantly less than what it is on other well-known retailers’ sites, this is a red flag that it might be a scam.
● Research the company before you purchase. If the company is unfamiliar,check BBB.org to see if they have a BBB Business Profile or BBB Scam Tracker to see if anyone else has reported them as a scam. Look for contact information on the website, such as a phone number or brick-and-mortar address, as well as a robust social media presence to help determine if the company indeed doesexist.
● Never wire money or use a prepaid debit card as payment. Scammers often request both payment types, and once the money is gone, there is no way to get the money back. Instead, make online purchases with a credit card and only onsecure (https) websites.
● Double-check COAs: Certificates of authenticity (COAs) are the norm for memorabilia purchases, especially for costly items —so it’s likely that scammers will try to provide fake ones. A valid COA should state the qualifications and complete contact information of the issuer. Before you trust a COA, ensure itcontains full and correct details on who issued it, and then make sure they’re alegitimate and reputable authority. If investing in a less expensive purchase that
is not offered with a COA, the buyer should still request a written representation from the seller about the authenticity and origin of the item. It is also essential to establish and get a written statement about the item’s physical condition before you purchase it.
● Take extra care at charity auctions: Some scammers target charities by providing “donations” of fake memorabilia. When considering a bid for an item at a charity auction, be vigilant and watch out for suspicious price valuations and shady authentications. When in doubt about an item, consider donating to the charity rather than an auction purchase.
● Seek a money-back guarantee: If possible, work with a dealer who can guarantee a full refund of your purchase if you ever discover it’s a fraud. Check all terms and conditions of the sale, especially limitations, before buying the item.
Until next time!
Welcome to this week’s edition of Your Moment of Trust! National experts are predicting an increase in spending this holiday season. There is also a concern if many of the items on consumers' holiday lists will be available on the shelf or online and are faced with the disappointing words: “Sorry, this item is currently out of stock.” That’s especially true when there are challenges with supply chains.
But does that mean the words “out of stock” are the end of the line? Not at all. With a little determination and some creative thinking, the item might be found and purchased. Here are BBB’s tips for finding items that are sold out in stores.
How to buy out-of-stock items
● Try a different store. Avoid limiting the search to the most popular brick-and-mortar stores. Consider researching multiple vendors’ websites to see who is carrying stock. If the large chain stores are out of what you need, try a reputable independent shop or a different type of store entirely. For example, when toilet paper was in short supply at grocery stores, some consumers found stock in unlikely places, such as hardware stores, restaurant suppliers, or office supply stores.
● Check websites frequently. If there is an item out of stock when shopping online, don’t give up hope right away. Bookmark the product page and check back daily. Many vendors restock high-demand products on a regular basis.
● Sign up for restock alerts. Many companies offer restock alerts, which are usually sent by email. For example, on Amazon, look for an availability alert on a product's information page. Amazon will send an e-mail when the item becomes available. Keep in mind, you still have to go to the website or store to make the purchase once the alert arrives.
● Go straight to the product’s source. If a brand name item isn’t available from a favorite retailer, check the brand’s official website to see if it’s in stock there. If not, consider getting in touch by emailing customer service or reaching out through social media.
● Take advantage of return policies. If you suspect that an item will sell out quickly but you aren’t sure if you really need or want it, review the store’s return policy. If a store gives you the option to return an item and offer a refund, you may want to purchase the item as soon as it’s available. You can always send it back if it doesn’t fit your needs, but you may regret not purchasing if the stock runs out for good.
● Search for products on resale sites. If a product appears to be gone for good, don’t lose hope just yet. Some resale sites may offer hard-to-find products. That said, watch out for scammers when looking for this year’s hottest toy or a product that is very popular. Con artists prey on desperate shoppers by pretending to have an item that is impossible to find, accepting payments, and then never delivering the product.
● Consider a personal shopping service. Personal shoppers can do the heavy lifting if there is a very specific product you are hunting for. Be sure to read reviews and ask for recommendations from friends and family members before deciding to hire.
● Try out a subscription service. Subscription services offer regular deliveries of cleaning products, clothing and more. If the local stores are running out of fresh produce, for example, consider a meal delivery service.
● Be patient. Sometimes, despite the best efforts, it just may not be possible to find most popular items. If this happens to you, be patient. You may have to wait a few months until suppliers can meet consumers’ demands.
Until next time!
A podcast by BBB of the Tri-Counties A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast!
Welcome to this week’s edition of Your Moment of Trust! You’ve likely heard ads on the TV or radio about the Camp Lejeune class action lawsuit for U.S. military veterans and their families exposed to tainted water at the camp. Marketing agencies and law firms spent over $40 million advertising the lawsuit. Now, scammers are jumping on board too, hoping all the media attention makes it easier to trick people, especially military personnel, into falling for common scam tactics.
How the scam works
You receive an email or phone call telling you you qualify for compensation for the Camp Lejeune class action lawsuit. The email may claim you are entitled to tens of thousands of dollars. You need to click a link or call a number to get your compensation. For example, one recent target told BBB Scam Tracker: “[The caller] said they were representing Camp Lejeune and needed information about my brother who served in the military. Since he died years ago from cancer, they said I had $5,000,000 waiting in compensation from the Marines.”
From here, the scam takes several different forms. Clicking the link could download malware onto your computer or mobile device, putting you at risk for identity theft. In other versions, scammers direct you to a website with a form that asks for personal information. In yet another variation, the scammers are after your money and personal details. They claim you need to pay an upfront fee, so they can file your case and receive your money. If you pay them, they’ll continue to ask for more “filing fees” until you become suspicious. As soon as you realize the con, the scammer will disappear with your information and money.
How to avoid class action lawsuit scams
● Don't believe in promises of quick cash with minimal effort. Scammers love to promise that fast cash is in your immediate future. The reality is even well-deserved compensation will take time to receive. It’s worth noting, too, that veterans who served at Camp Lejeune can apply for VA disability compensation and health care benefits without filing a lawsuit or getting help from a lawyer.
● Never click on links in suspicious emails. Be wary of unsolicited emails in general. Please don’t click on the links they contain, as they could lead you to fake websites or download malware onto your computer. ● Stay alert to variations of this scam. Emails aren’t the only way scammers may try to contact you about this and other class action lawsuits. Keep your eye out for similar scams sent via text messages, phone calls, or even mail. ● If you think you deserve compensation, apply through official channels. Visit VA.gov/CampLejeune for official information on how to apply for compensation. You can file for disability compensation online and learn what steps to take to file a Camp Lejeune lawsuit. ● Only work with reputable representatives. If you are ready to file a claim or appeal and need help, don’t settle for working with the first lawyer who pops up on a TV ad. Instead, do thorough research before choosing a legal representative. Get to know all your options, including working with an accredited attorney or a Veterans Service Officer (VSO).
Until next time!
A Podcast by BBB of the Tri-Counties
A BIG Thank you to Ayers Repairs in Santa Barbara for Supporting this Podcast
Welcome to this week’s edition of Your Moment of Trust! Retailers and shippers traditionally hire seasonal workers to fulfill holiday shoppers' demands, whether online or in person. These jobs are a great way to make extra money, sometimes with the possibility of turning into a long-term employment opportunity. However, they are sometimes not all that they seem.
When looking for something part-time or to fill the gap until a better opportunity comes, the Better Business Bureau has some suggestions to make the seasonal job hunt successful. According to the 2022 BBB Scam Tracker Risk Report, employment scams rose to the second riskiest in 2022. Being proactive in finding the right opportunity is key, but be careful when a job just seems too good to be true.
Tips to avoid holiday job scams
● Employers will never ask for payment upfront for a job. Beware businesses that ask applicants to pay for job supplies, application, or training fees. These expenses are the employer's responsibility - and asking for money is a big red flag that something is wrong. ● Be wary of job offers that don't require an interview. Even during the peak hiring season, reputable companies prefer to talk to top job candidates before hiring them. If a job offer is presented without an interview (on the phone or in person) or is offered only via the Internet, question the company's hiring practices and do a little more digging. ● Be wary of big money for small jobs. If an employer promises outrageously good wages for simple tasks such as reshipping packages, stuffing envelopes, or answering phones, this is a red flag. These too-good-to-be-true offers are an attempt to steal your personal information from a fake job application and can cause problems for you for a long time. ● Never work for a company before they hire you. A legitimate company will not ask potential applicants to complete complex projects before making an official offer. Before beginning any work, request an offer letter or written confirmation of what the job entails, including an official start date and compensation details.
For more information
Read more about employment scams and how to avoid them. For more holiday tips, visit the BBB Holiday Tips page.
Until Next Time!
A Podcast by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-the-tri-counties
A BIG thank you to Ayers Automotive Repair in Santa Barbara, for supporting this podcast. https://www.ayersrepairs.com
Welcome to this week's edition of Your Moment of Trust!
Zombie debt is defined as debt that has been “raised from the dead,” so to speak. It could even be something you never owed at all. When a person doesn’t pay a debt, the lender will take action – by phone, letter, or even a court case – to collect the money they are owed. In some cases, though, the debtor simply can’t pay or can’t be found. In other cases, the debtor files for bankruptcy and, depending on the kind of debt owed, the debt may be put on hold, renegotiated or discharged completely. Sometimes, this old debt comes back to life.
Some of the most common scenarios of zombie debt are the following:
● Unpaid debts that are beyond the statute of limitations when you can be taken to court for payment ● Unpaid debts you owe but forgot about ● Unpaid debts wiped out with bankruptcy ● Debts you already settled with the creditor ● Fraudulent charges from identity theft ● Fake debts “creditors” claim you owe as part of a scam
How does debt come back to life?
Creditors often remove old debt from their ledgers and sell it to third-party collectors. In some cases, the debts are legitimate, but in other cases, they aren’t. When debts are sold and re-sold, the records may be incomplete or inaccurate. Think of it as a game of “telephone.” The more times a debt is passed around, the more chance that the related information is wrong.
When debt collectors call
The legal treatment of old debt will depend on where you live and the type of debt in question. Depending on the law, debt collectors are not allowed to sue for old debt if the statute of limitations has expired, however, they are still allowed to contact you and ask to pay off the old debt. Check the statute of limitations for each U.S. state and Canadian province for more information. However, if you start to make payments or acknowledge the debt in some way, the action may restore the collection agency’s legal right to take the matter to court. Never agree to make a payment on a debt you aren’t sure about, even if the collection agency puts pressure on you for payment.
The best way to start is by doing a thorough investigation. Search through old records to find bank statements and notices of payment. Gather as many facts as possible about the debt in question. Next, within 35 days of initial contact and without acknowledging the debt is yours, ask the creditor for a debt validation letter. The Fair Debt Collection Practices Act (FDCPA) requires the debt collection agency to provide you with written proof of the debt’s validity or a judgment against you, as well as the name and address of the original creditor if the debt was resold. Once this information is gathered, determine if the debt is really yours and if it still needs to be paid.
If you determine the debt was yours, but you already paid it, write a letter to the collections agency and demand that they cease contact. Include proof of payment if available. The collections agency is legally required to stop contacting you under the FDCPA.
If you determine the debt is not yours or is invalid, write a letter challenging its validity and where applicable, include any proof you may have. If you determine you do owe the funds and you can pay the debt, resolve the issue by first getting a payment agreement in writing and then eliminating your unresolved debt. If you determine you do owe the funds, but you can’t pay the debt, you can pursue debt relief through bankruptcy or credit counseling.
When deciding what route to take, keep in mind that once a debt is past the statute of limitations, collectors can no longer sue you to get payment. In addition, the FDCPA stipulates that any unpaid debts should be removed from a person’s credit score after seven years. If you decide to begin paying or pay in full an old debt, it could restart the statute of limitations and affect your credit. Learn more about ways your identity can be compromised without you even knowing it. If you need to contact a collection agency to dispute a debt, request a debt validation letter or ask the collection agency to cease contact, use these templates on Consumer.gov.
Remember that while most debt collection agencies are legitimate, there may be times when a scammer is phishing for information. For more information on how to avoid this scheme, visit BBB.org/AvoidScams. If you’ve been targeted by a debt collection scam, be sure to report it to BBB.org/ScamTracker.
This Podcast is Brought to you by BBB of the Tri-Counties
A BIG thank you to Ayers Automotive Repairs of Santa Barbara for supporting this podcast!
Welcome to this week’s edition of Your Moment of Trust!
One of scammers' favorite tactics is impersonating a person or organization you know and trust. That's the premise of this new text message scam, which has been popping up in recent BBB Scam Tracker reports. This time, con artists are impersonating your bank.
How the scam works
You receive a text message that looks like a fraud alert from your bank. It claims there is some unusual activity in your account. It may read: "Bank Fraud Alert – Did you approve a transaction for $1,000? Reply YES or NO." If you reply to the text, the scammer now knows they have an active number – and a person to scam. The scam doesn't end there. The scammer will call you to follow up, and the number will appear in the caller ID as coming from your bank. When you answer, the caller claims to be a bank representative who can help stop the fraudulent charges. To do so, you need to send money to yourself using Zelle or another digital wallet app. The caller walks you through connecting the app to your bank account. Then, they ask you to verify the connection by sharing the code your bank sent. Don't do it! If you give the scammer your verification code, they can set up an account with your phone number and email – but their bank account information. If that happens, when you send money to "yourself," you're sending money to the scammer. Disputing the charges will be difficult because the scammer has tricked you into approving the transaction. Sending money through a digital wallet app is like using cash, making it hard to get your money back. One consumer reported this experience to BBB Scam Tracker: "I received two texts stating it was the Wells Fargo Fraud Department wanting to know if I had made a Zelle transfer… I responded no and immediately got another text stating, 'Thank you, no further action is needed, a representative will call you from 800-869-3556.' Within a few minutes, I got a call from an individual stating they were with the Wells Fargo fraud department. The caller ID on my phone said Wells Fargo, and the person said they could reverse the transaction if I sign into my online account and open the Zelle app. I did this and the caller asked if I saw my name. I told him I saw my name in two places. It looked like I would be sending money to myself. The caller said everything was fine and the money would come back to my account. After the call ended, I got two texts stating funds for $2,500 and $1,000 would be deposited in my Wells Fargo account. I went back into my account and there was no evidence of any deposits. What I did see was $3,500 taken out of my account and a zero account balance."
How to avoid bank fraud scams
● Understand your bank's policies. Know that your bank will never ask you to send money to yourself. If someone tries to convince you otherwise, it's a scam. ● Watch out for fake caller IDs. Scammers can spoof caller ID names and numbers to make you think you are receiving a call from a reputable source. If you weren't expecting to be contacted by your bank, it's best to avoid answering. Instead, call the number on the back of your ATM card to confirm that there is an issue. ● Never share one-time passcodes. Scammers can use one-time passcodes from your bank or any other company to access your accounts and change information. Don't share them with anyone, no exceptions. ● Contact your bank if you suspect a scam. If you receive an unsolicited call, text, or email that you suspect is a scam, contact your bank immediately and let them know. ● Don't reply to suspicious texts. Ignore any instructions to reply yes or no if you receive an unsolicited, suspicious text message. If you reply to a scammer, they could save your number as "active" and target you with future scams. For more information See the related BBB Scam Alert about phony banking texts and calls and review the BBB Tip on avoiding impostor scams. If you spot a scam, report it to BBB Scam Tracker. Your report can help others avoid falling victim to similar scams.
Until next time!
A podcast by BBB of the Tri-Counties
A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast.
Welcome to this week’s edition of Your Moment of Trust! Tell Alexa to play your favorite song. Ask Siri about the weather. Use Google Assistant to turn down the air conditioner. But don’t ask your smart device to look up a phone number, because it could accidentally point you to a scam.
How the scam works
You need the phone number for a company, so you ask your home’s smart device, which might be Google Home, Siri, or Alexa, to find and dial it for you. But when the company’s “representative” answers, you start to notice some red flags. This representative may insist they can only help you if you make a payment by wire transfer or prepaid debit cards. Other times, they demand remote access to your computer or point you to a scam website.
One recent victim reported to BBB Scam Tracker: “I used Siri to look up the United Airlines customer service line. Somehow, the call was connected to a different company… The agent pretended to be a United Airlines agent and said he could help me cancel my flight. The fee was $125. I was convinced it was United Airlines, but the next day I realized my mistake. They said they would refund my money, but only after I threatened to call the police. I’m still waiting for a refund.” Read more about airline booking scams.
In another version of this scam, a consumer tried using voice search to contact Roku with a question about setting up their device. Instead, someone pretending to represent Roku charged them an $80 “activation fee” for a service that doesn’t exist. Learn more about similar cons targeting smart TV owners.
In all versions of this scam, the “representative” isn’t from the company you were searching for at all. Instead, scammers created a fake customer service number and bumped it to the top of the search results. These bad actors hope that when consumers do a voice search using Siri, Alexa, or another device, the algorithm will accidentally pick their scam number and an unsuspecting victim will contact them directly.
Tips to avoid this scam:
● Be careful when searching for support phone numbers. Rather than doing an online search or letting your smart device look up a number, use the contact information on the business's website (always double check the URL) on your bill, receipt, or in your confirmation email.
Beware of fake ads. Scammers create bad ads with fake customer service numbers. Using voice search to find a number can make it harder to tell a phony listing from the real one. Get your information from the official company website or official correspondence.
● Go straight to the source. For example, if you need to get in touch with Amazon, use the Amazon mobile app or website. This goes whether you’re seeking customer service, tech support, or when looking to make changes to your account. Visit the Message Center on Amazon.com or on the official app to review authentic emails from Amazon. Remember that reputable companies like Amazon will never ask you to provide payment information for products or services over the phone.
● Make payments with your credit card. It’s easier to dispute a credit card payment. Paying by wire transfer or pre-paid debit card is like using cash. There is almost nothing you can do to get the money back.
For more information
Check out these tips from the FTC.gov on security and smart home devices. In Canada, check out these consumer affairs tips. To learn more about scams, go to BBB.org/ScamTips. If you’ve been targeted by this scam, help others avoid the same problem by reporting your experience on BBB.org/ScamTracker. Stay one step ahead of scammers by subscribing to BBB's weekly Scam Alert emails.
Until next time!
A podcast by BBB of the Tri-Counties
A BIG thank you to Ayers Repairs in Santa Barbara for supporting this podcast.
Welcome to this week’s edition of Your Moment of Trust!
“Honey, we have a problem with the sink…” When your significant other says those words, it’s never a good sign. Having a reliable plumbing system is something that many take for granted. It’s plumbing that allows clean water to flow into your home and dirty wastewater to flow out. When that service is interrupted, and it’s not just a minor problem – you need it fixed, and fast. But how do you know whether to grab your tools (or a plunger) and head to the bathroom, or grab the phone and call a (BBB Accredited) plumber instead? When is the plumbing problem too big for you and best left to the experts? When the situation threatens your health and safety, your comfort and sense of security, and your home’s value – you want to be sure it gets fixed correctly.
Safety and health
First and foremost, the health and safety of your family takes priority. Can you safely and effectively resolve the problem, or does this fix need to be handled by a professional?
Here are some examples of plumbing situations that could potentially cause safety risks:
· Sewer backups or standing water – sewer blockages can be caused by something flushed in the toilet, or by tree roots growing into your pipes. You’ll notice a terrible smell, and sewage or dirty water may start coming up into your drains, causing a health hazard. · Burst pipes – cold weather often results in frozen pipes, and older pipes can rust. Water rushing into your house can cause structural problems, like a collapsed ceiling or damaged floors, that compromise your safety. · Mold – if a leaky pipe has caused mold to grow, you could have a health issue. Get a plumber to fix the pipe and a mold remediation company to help you get rid of the unhealthy mold.
Comfort and security
A plumbing issue can also impact you and your family’s comfort and sense of security. If a plunger won’t fix the problem, maybe it’s time to call an expert.
· Overflowing toilets – if you’ve tried plunging and the water won’t stop flowing, shut off the valve at the bottom where the water comes in and give the plumber a call. Nobody wants to be without a bathroom when nature calls.
· Clogged drains – if you’ve tried to unclog your sink or tub but there is no water getting through, you may have a blockage that requires a plumber’s assistance. Your teenager isn’t going to like being told that she can’t take a shower, so it’s best to get that fixed quickly.
· Water heater failure – lack of hot water can impact more than just a hot shower. You could end up with damaged floors if your tank leaks. A lack of heated water could also lead to burst pipes in a cold climate. If your heater uses natural gas, you may even have a safety issue (leave the home and call the police if you smell a rotten egg smell).
· Sump pump problems – if you live in a low-lying area and have a sump pump, you could have serious water damage if the pump fails. If you notice loud noises or odd behavior, call in a pro.
· No water/water pressure – If you don’t have any water or your water pressure is very low, but you don’t know why, tearing down your own walls or digging up your yard to find the problem yourself probably isn’t the best solution. Call in an expert plumber to diagnose your problem.
Home value
Other plumbing issues may impact the value of your home when it comes time to sell or relocate. Consider hiring a plumber if you have these issues and can’t fix them on your own:
· Outdated pipes and plumbing fixtures · A septic system that needs to be maintained or pumped · A leak that has caused water damage or mold · An outside faucet that leaks water into your foundation · Upgrading to a new appliance (like a dishwasher or washer) and it isn’t as simple as you thought. Although it may seem tempting and less expensive to try to resolve plumbing issues yourself, realize that sometimes it ends up being more costly if your DIY project doesn’t work or isn’t up to code. Hiring a licensed, insured plumber will give you peace of mind that your job is done right.
BBB Accredited plumbers adhere to BBB’s Accreditation Standards and BBB checks to ensure proper licensure. In addition, by going to BBB.org to find a plumber near you, you can check reviews and read how the business resolved any complaints. Remember to look for the BBB Seal- It’s the Sign of a Better Business.
Until next time!
A Podcast by BBB of the Tri-Counties
A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast.
Welcome to this week’s edition of Your Moment of Trust! Recently, BBB Scam Tracker has received multiple reports of an online shopping scam on TikTok. It’s a sneaky one! It starts with a disgruntled employee supposedly seeking revenge and ends with victims ordering hundreds of dollars in phony merchandise.
How the scam works
You come across a TikTok video featuring someone claiming they were recently fired at a high-end jewelry store. The termination was completely undeserved, and they are angry. To take their revenge, they are sharing their top-secret employee discount code with anyone who wants it. This code gives you up to 100 percent off the company’s merchandise. That’s right, they claim you can get expensive jewelry for free! As long as you’re willing to pay shipping, that is.
You may notice some red flags when you checkout using the ex-employee discount code. One consumer reported: “As you add more things from the website to your cart, the shipping cost increases disproportionately… However, this still seems like a ‘deal’ because you are getting a 100% discount on (faux) jewelry that costs $100-200.” However, that’s not the only warning sign. The consumer added, “There is no cancellation mechanism on their website/order confirmation email, no social media, no address, and no phone number. You can only contact them via an email address.”
If you fall for this scam, you won’t receive the high-quality jewelry you thought you ordered. You may get cheaply made knockoffs – or nothing at all. Also, you’ll be out any money you spent on “shipping” too.
The current version of this scam involves a jewelry store, but watch out for other variations as scammers change their schemes to avoid detection. This con would work with high-cost items like electronics or designer handbags.
How to avoid online shopping scams
● Don’t fall for deals that are too good to be true. Scammers love to draw people in with this bait. If a deal seems extraordinarily good, stay skeptical. Research the company thoroughly before you buy. ● Only shop with reputable companies. It’s always best to shop with companies you already know and trust. That said, if you come across an appealing item from an unfamiliar business, it’s especially important to do research. Look up the company’s website, physical address, and contact information. Read reviews from customers on third-party websites and review comments left on their social media pages, too. You can even search the company name and the word “scam” just to be safe. ● Always make payments with your credit card. When shopping online, use your credit card to pay. Controlling fraudulent charges (and possibly getting your money back) will be much easier with this payment method.
Until next time!
A Podcast by BBB of the Tri-Counties
A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast.
Welcome to this week’s edition of Your Moment of Trust! Healthcare scams are as varied as just about any con out there. The fraudster often poses as a government authority to persuade you to provide personal information related to your Medicare or Medicaid account for identity theft. In other cases, the con artist is after your health insurance, Medicaid, or Medicare information to submit fraudulent medical charges.
How the scam works:
The scam typically starts with an email, text message, or phone call that appears to be from a government agency. Con artists use a variety of stories. In one common version, the “agent” tells you that he or she needs to update account information to send a new medical card. In another version, the scammer asks for your account number in exchange for free equipment or services. A third version involves a threatening robocall purporting to be from HealthCare.gov or the Health Insurance Marketplace. You’re told you must buy health insurance or face a fine. Sure enough, you’re soon asked to provide personal information. A more recent version has reported Medicare recipients receiving notices that new Medicare cards with microchips will be sent out and further verification is required.
Tips to avoid this scam:
● Don't trust a name or number. Con artists use official-sounding names or mask their area codes by spoofing to make you trust them. Don't fall for it. ● Hang up and go to official websites. You can enroll or re-enroll in Medicare at Medicare.gov or a marketplace health plan at Healthcare.gov. ● Never share personally identifiable information with someone who has contacted you unsolicited, whether over the phone, by email, or on social media. This includes banking and credit card information, your birthdate, Social Security or Social Insurance number, and, of course, your health insurance number. ● Guard your government-issued numbers. Never offer your Medicare ID number, Social Security number, health plan info, or banking information to anyone you don’t know. ● Know the signs. Medicare will never contact you via email, text message, or phone, asking you to verify personal information.
Until next time!
A Podcast by BBB of the Tri-Counties
A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast.
Welcome to this week’s edition of Your Moment of Trust!
You used to have to go to the stadium to root on your local high school athletic team. However, the COVID-19 pandemic changed that. With schools forced to restrict entry to events, they turned to online streaming of games so that people could watch from the comfort of their living rooms. While many attendance restrictions have been lifted, schools are still streaming games. Unfortunately, the scammers have followed. The scammers aim to capture personal information, including credit card and Social Security numbers, as fans log in to watch their team play. How the scam works You want to watch the local high school's football game, or your niece's travel softball team is playing in a tournament out of state. You search on social media to find a link where the game might be streamed, and sure enough, a fan has put in a link where you can watch for free! It's almost time for the game to start, so you eagerly click the link. The next screen asks you to sign up for the streaming service, so you enter your name and email... and then you get asked for a credit card number and potentially more sensitive information. Are you seeing red flags yet? These scammers infiltrate social media with links to fake streams. The posts often will tag the schools involved to make the post appear legitimate. The scammers hope the would-be viewer inputs their information and pays to watch the event. The consumer doesn’t get to watch the game because the scammer has not set up a stream. Instead, whatever data they entered may be compromised. As a new school year begins, Better Business Bureau® (BBB®) reminds consumers to do their research when looking to watch a high school sporting event online. “Fans need to remain diligent in where and how they find the stream of a high school contest,” Matt Troha, an Assistant Executive Director with the Illinois High School Association, told BBB. Troha said fake streaming links posted to social media lure unsuspecting fans. “On Twitter especially, take notice of account names and photos, which often seem random, and look at their follower and following numbers,” Troha said. “Low follower counts indicate the account likely was just started. Look at the content of their posts as most are nothing but tweets to stream games.” Last year, state associations that oversee high school athletics in New Mexico, Indiana, and North Carolina issued warnings about the fake streams. “If you want to watch a specific school’s game online, check with the school to see if it has streaming options available,” said Michelle L. Corey, president and CEO of the BBB office in St. Louis. “While many schools do offer live streaming now, there are others who do not.”
Until next time!
This Podcast is from BBB of the Tri-Counties.
A BIG Thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast!
Welcome to this week’s edition of Your Moment of Trust! Like many of us, older adults are often targeted by con artists. Many victims don’t ask for help until it is too late! Help your friends, family, clients, or patients avoid fraud by knowing the signs of current or impending fraud.
Warning signs that fraud may occur:
● Frequent junk mail and spam calls. Incoming junk mail (illegitimate sweepstakes offers, etc.) or receiving frequent calls from people offering valuable rewards or asking for charitable donations are signs that fraud could easily occur or may have already occurred. ● Unfamiliar payments are being made. Checks written or payments made to unfamiliar or out-of-state companies should be a red flag. ● Acting secretively about phone calls or messages. When someone hides or acts secretively about phone calls and messages, it could signify that they have engaged a scammer. ● Sudden problems paying bills or buying food and other necessities. A sudden lack of funds could mean an individual's money is being drained in some form of scam activity. The cause should be investigated to rule out fraud. Tips for helping your loved one avoid fraud ● Become familiar with common scams targeting older adults. Knowing the most common tactics used to target older adults can help you more quickly identify when scams occur. ● Emphasize the criminal nature of telemarketing and email fraud. Help your loved one learn how to identify it and help them understand that these tactics are illegal. In participating, it is possible they could be pulled into criminal activity unknowingly. ● Encourage the person to ignore phone calls and messages that appear suspicious. Don't reply to or click links within emails or text messages they are unfamiliar with. ● Have a calm discussion about securing accounts and monitoring finances. Helping older adults monitor their finances can be a great way to prevent scam activity and identify if it has occurred. ● Help the person change their phone number. If constant calls continue, changing the person's phone number may be worth changing. Registering the number with the Do Not Call list is a great first step, although scammers won’t necessarily follow the Do-Not-Call list laws. If unsafe calls continue, it may be best to change the phone number.
Recognizing abuse against older adults:
The most common types of abuse are physical, emotional, financial, and verbal. The National Council on Aging says up to five million older Americans are abused yearly, and the annual loss by victims of financial abuse is estimated to be at least $36.5 billion. In Canada, over 10 percent of older adults are victims of crime, and some experience violent crimes or physical abuse.
BBB recommends that family, friends, and caregivers learn the signs of abuse or neglect in older adults. Business owners dealing in the industry can share these signs with employees.
Until next time!
This Podcast is by BBB of the Tri-Counties
A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast!
Welcome to this week’s edition of Your Moment of Trust! Bed Bath & Beyond declared bankruptcy and closed its physical stores in recent months. It was then acquired by furniture and home furnishings e-retailer Overstock.com, a BBB Accredited Business, which rebranded its website and mobile app to Bed Bath & Beyond in the U.S. in early August. Scammers are taking advantage of the big changes by targeting unsuspecting consumers with fake "going out of business" sales. Here's what you need to know to spot the scam.
How the scam works
You see an online ad on social media for massively marked-down Bed Bath & Beyond products. It's a going-out-of-business sale, and the prices are too good. The website you are directed to looks legitimate, with the Bed Bath & Beyond logo and product information. However, a closer look at the domain name or email address reveals you aren't on the official website.
One consumer shared the following experience: "I saw an ad for Bed Bath & Beyond on Facebook. The sale seemed safe, and I knew that the company was closing some of their stores. I ordered a couple items and paid with my debit card. I did not notice anything fishy with the website. Months later, I had not received any products or messages from them. I tried to look up my order and found it was not the right website, so now I have no order number or information about the company."
Shoppers report making purchases and never receiving the products they ordered. Emails to the impostor company typically go unanswered. However, in some cases, the scammers reply, only to state the product was accidentally delivered to another state – an issue they should take up with the United States Postal Service. In reality, the website was fake, and the discounted products never existed.
Bed Bath & Beyond is working to uncover and remove all impostor websites. "With the increased attention we've seen surrounding the launch of the new Bed Bath & Beyond website, scammer sites are more prevalent. To protect consumers, we are diligently working with federal authorities to help shut down these fraudulent sites," said Jonathan Johnson, Chief Executive Officer of Bed Bath & Beyond.
How to avoid impostor website scams
● Always double-check the URL. Scammers love to build fake websites that look like the real thing. Often, the URL is only off by a letter or two. Take a moment to ensure you are on the official website by looking closely at the URL. Bed Bath & Beyond's official websites are www.bedbathandbeyond.com in the U.S. andwww.bedbathandbeyond.ca in Canada. ● Go directly to the official website instead of clicking on ad links. Con artists can make ads claiming to be legitimate businesses, but the link takes you to a completely different website. Look up deals featured in ads by typing the business's URL directly in the browser bar instead of clicking through an ad. If you can't find the special deal anywhere, the ad may have been a fake. ● Be wary of deals that sound too good to be true. This beloved scam tactic plays on people's desire to get a great deal on something. If a price sounds too good to be true, stay skeptical. Verify the source and the deal before you make a purchase. ● Use your credit card for online purchases. Credit cards offer certain protections your debit card doesn't. For example, credit cards will allow you to contest charges if you accidentally purchase from a fraudulent website.
Until next time!
This podcast is by BBB of the Tri-Counties.
A BIG thank you to Ayers Auto Repairs in Santa Barbara for supporting this podcast.
Welcome to this week’s edition of Your Moment of Trust. There's a lot of buzz lately about verified social media accounts, thanks to Twitter's announcement of the $8-a-month program and Meta's announcement of their $14.99-a-month program for a "verified account." Social media has long been a favorite haunt of scammers. In light of those two facts, businesses and consumers should be alert to how the scammers will use this latest twist to benefit themselves.
BBB is monitoring reports to BBB Scam Tracker, and recently the BBB Institute for Marketplace Trust and Amazon (a BBB Accredited Business) partnered to educate consumers on impersonation scams. In recent phishing scams, con artists have been going after businesses and individuals with verified accounts – a measure that was supposed to help prevent scams.
How the scam works
You receive a direct message or email that appears to come directly from Twitter, Instagram, or another social media platform. It states that your verified account has been flagged, and you must re-verify it. You could allegedly lose your verified account badge if you don't respond. For example, some Twitter users have reported receiving direct messages or emails stating that their blue verified badge has been marked as spam and, if they don’t appeal the decision, it will be deleted.
The scam message asks you to click on a link or download a form to start the appeal process and re-verify your account. You may download malware onto your laptop or mobile device if you click. This can collect your personal data without your knowledge. If you fill out forms or reply with the requested information, scammers may be able to hack your account or use your personal information to commit identity theft.
How to avoid social media scams
● Understand how social media platforms work. Get to know a social media platform’s policies before using it. For example, Twitter never sends emails requesting login credentials, nor do they send emails with attachments. If you are clear on the platform’s policies and procedures, you’ll be less likely to fall for correspondence from a scammer – even if it looks legit. ● Be wary of unsolicited messages. Be skeptical about out-of-the-blue messages, whether it’s a DM, an email, or a message on a messaging app, especially if they ask you to click on links or open attachments. Instead, go straight to the source – the platform’s official customer service center – to determine if the message is real. ● Look for the signs of a scam. Poor spelling, bad grammar, pressure to act now, and scare tactics are all red flags that indicate a scam. ● Always protect your personal information. Never give a stranger your login credentials or other personal information without verifying their request's legitimacy. Most reputable companies won’t ask you for your login information. ● Monitor your accounts. Make a point to monitor your social media accounts and do a search for your name or brand, making sure there are no impostors.
For more information
If a scammer has contacted you, report your experience to BBB Scam Tracker to help other consumers recognize the con. Read more about spotting fake social media accounts.
Learn more ways to protect yourself by visiting BBB.org/AvoidScams.
Until next time!
A podcast by BBB of the Tri-Counties
A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast.
Welcome to this week’s edition of Your MOment of Trust!
BBB Scam Tracker has gotten numerous reports of a clever travel scam this summer vacation season. Con artists pretend to own a vacation rental and insist on being paid directly rather than through the official rental platform. If you book with them, you’ll be out of money and face a potentially ruined vacation.
How the scam works:
You search a vacation rental site, such as VBRO or Airbnb, for a place to stay on your next trip and find a perfect rental listing. The photos are beautiful, and the price is right. Other times, you discover the rental through a social media post. The scammer may have shared it to a Facebook group, claiming to be renting “their” vacation home. Either way, when you message the “owner” about booking, they offer you a deal. If you book with them directly, paying through a digital wallet, such as Venmo or CashApp, instead of the rental platform – they can give you a discount. You agree and send an initial payment. The scammer may reply with a realistic-looking receipt. But once the scammer receives your money, they stop replying to messages. Unfortunately, the vacation home may be real, but the person you paid to rent it is a scammer. They don’t own the property, and your deposit is in the hands of scammers.
One consumer reported this experience: “I booked a long-term rental for June and July on Airbnb through a female host advertised as Amy. I was contacted soon after by a man named Sean over text. He requested a phone call and suggested we go through Venmo instead of Airbnb to avoid fees and to give me a discount…. I decided to cancel to protect myself, but Sean refused to return my 1st-month rent payment of $2,500. I have never been able to speak to Amy and believe he is using this profile as a cover-up to scam people out of money and avoid taxes.”
How to avoid online booking scams:
● Do business with reputable websites. Legitimate websites like VRBO and Airbnb have certain policies to protect renters and rental owners. If there’s a problem with your rental, you can open a case, and you may get your money back. If a seller asks you directly to book outside a website, think twice. ● Research the rental property. Do an online search for the owner's name and/or the property’s address. Look for complaints online, watching for any reports of scams or dishonest behavior. ● Pay with a credit card. Whenever possible, use your credit card to make online purchases. It is easier to dispute fraudulent charges, and you have a better chance of getting your money back if something goes wrong. ● Save any documents related to your purchase. Save copies of your receipt, order confirmation page, shipping information, etc. You may also want to save a copy of the business’ return policy so you know how to proceed if there is a problem with your order or if it doesn’t arrive within the promised timeframe.
For more information
See BBB’s travel HQ for more tips for planning and booking your next vacation. Read these tips on avoiding hidden travel fees and spotting hotel scams. If you spot a scam while booking travel online, report it at BBB.org/ScamTracker. Your report can help other consumers spot a scam before it’s too late.
Until next time!
A Podcast by BBB of the Tri-Counties
A BIG thank you to Ayers Automotive Repair in Santa Barbara
Welcome to this week’s edition of Your Moment of Trust! Check use may be declining,
but check fraud is still a serious problem. Watch out for this scam, dubbed “check
washing,” which involves stealing checks from mailboxes and then altering them.
Fortunately, you can do a few things to protect yourself and your business.
How the scam works:
You send a check in the mail as payment for a service or product. However, a few days
or weeks later, you are contacted by the company you paid. They say they never
received a payment. Then, you discover the check you sent has been cashed, either for
the amount you wrote it for or for a much higher amount. What happened?
Scammers use many techniques to intercept mail, sometimes directly from your or the
post office’s big blue mailbox. Scammers have even been known to sneak into post
office boxes with stolen keys. Individuals can fall victim to this scam, but scammers
mostly target businesses, which typically write checks for larger amounts and have a
predictable schedule for paying and mailing bills. Once scammers find an envelope containing a check, they use household chemicals to “wash off” the name and amount you wrote down, replacing it with a name and dollar amount of their choice. Usually, they use fake identities to cash the check later on. And even if no one cashes your check, you are at a much higher risk of identity theft once it's found its way into scammers' hands.
How to avoid check-washing schemes
● Take advantage of electronic payment methods. If you can use electronic means
to make payments and receive them, do so. That will eliminate the possibility of
falling victim to check washing.
● If you must mail a check, take precautions. Drop it off at the post office using the
lobby mail slot instead of leaving a check in the mailbox with the flag up. If you
need to use a blue box, drop off the mail before the day’s last pick-up time. Don’t
leave unsent mail in your mailbox overnight; retrieve your delivered mail
promptly, advises the United States Postal Service.
● Put a hold on your mail. If you are going out of town, have your mail held at the
post office until you return. If you run a small business that isn’t open on
weekends, consider asking the post office not to deliver mail on Saturdays.
● Improve your mailbox security. Installing highly visible cameras near your mailbox
and using a locked mailbox are two additional ways to avoid falling victim to this
scam.
● Keep an eye on your checking account. Monitor your bank accounts carefully to
ensure no one cashes a fraudulent check from your account. If you notice
suspicious activity, notify your bank immediately.
● Use “positive pay” services. Many banks offer “positive pay” services for business
checking accounts. You can pre-authorize checks for a specific amount by their
check number. This will at least stop scammers from withdrawing more money
than the specified amount.
● Always report check fraud. If you think your check was intercepted in the mail, let
your bank know right away. Then, file a report with the Postal Inspection Service
and your local police department.
For more information:
Read about more ways scammers use checks to commit fraud in BBB’s Fake Check Scams
Study. Get more advice on how to avoid scams at BBB.org/AvoidScams.
If you’ve been a victim of check fraud, you can also report it to BBB.org/ScamTracker.
Your reports help build public awareness and reduce scammers’ effectiveness.
Until next time!
David gives the latest interest rates and Santa Barbara sales stats. He and his co-host Patt, discuss Open House etiquette. While David stresses that you should feel free to ask the Open House Realtor questions about the house you're viewing, he advises that it's a good idea to let the realtor know if you're already working with another realtor.
Then David and Patti shift their attention to The Fur Babies at Home segment. David discusses the benefits of feeding your dog a raw food diet and then discusses his new organic dog treats, Chowdees. To purchase chowdees dog treats, go to https://www.chowdees.com
A Podcast by BBB of the Tri-Counties
A BIG thank you to Ayers Auto Repairs in Santa Barbara for Supporting this Podcast
Welcome to this week’s edition of Your Moment of Trust! Electric bicycles— or e-bikes –
allow riders to go farther and faster than a standard bicycle. Riding an e-bike instead of
driving a car can help you lower your carbon footprint, save on gas money, and stay
active.
E-bikes come in many models and price ranges, so finding the right one for your needs
requires research. BBB recommends the following tips to help you pick the right e-bike
for your budget.
Tips for buying an e-bike
● Think about what you need. First, think about your riding style. Will your e-bike
be for recreation or commuting? Do you need to haul groceries or a child? Will
you be riding on dirt roads or pavement? Will you be riding on flat ground or
steep hills? How many miles will you cover on a trip? Knowing the answers to
these questions will help you narrow down your choices.
● Get to know e-bike classes. E-bikes are divided into classes. With class 1 electric
bicycles, the motor only runs when you pedal and stops running when you reach
20 mph. Class 2 e-bikes do the same but also have a throttle-powered mode.
Class 3 e-bikes work like class 1 bikes but assist up to 28 mph. Think about how
you intend to use your e-bike but check access rules too. E-bike regulations vary
from state to state and determine where to use the bike.
● Choose the right type of electric bicycle. There are many different kinds of
e-bikes. The style you pick depends on how you plan to use your bike.
○ Commuter bikes usually come with fenders, lights, and other accessories
that make them safer to use in traffic. Some come in foldable models,
making them easier to stow on public transportation.
○ Cruiser models are more comfortable and allow the rider to sit upright.
These are generally for recreation and don’t always come with
accessories that would make them suitable for long-distance trips.
○ E-mountain bikes have thicker frames and bigger tires and are suitable for
off-roading and steep inclines.
○ Performance road bikes are more lightweight and designed to tackle
longer distances with dropdown handlebars that help you maintain anaerodynamic posture.
○ Cargo bikes are robust and built to haul bulky items or even an extra
passenger.
● Understand the motor options. E-bikes come with either a hub-drive motor, which
sits in the wheel's hub, or a mid-drive motor on the bike's bottom bracket where
your pedals are. Mid-drive motors have a more natural feel, while rear-wheel
hub-drive motors make you feel like you are being pushed along.
● Need more power? Consider a high torque number. The lower the torque
number, the less powerful the bike will feel. If you are cruising city streets, this
may not be a problem, but if you plan to ride trails, gravel paths, or steep inclines,
you might need a higher torque rating.
● Be sure the battery meets your needs. Review battery ratings and determine how
many miles you can ride before recharging. Does this cover your commute
distance and other needs? Find out how many charge-discharge cycles you can
expect your battery to last. Quality e-bikes generally last for at least 1,000 full
cycles. For an average rider, the battery will last for about three to five years
before you need to replace it.
● Get the right size bike for you. Be sure you fit comfortably on the e-bike model
you are considering buying. You should feel comfortable when riding and be able
to mount and dismount without falling over. It’s always best to check out an
e-bike before buying. If you are shopping online, carefully compare the e-bike
measurements to those of a similar style bicycle you know you feel comfortable
on.
● Think about maintenance. Like any vehicle, your e-bike will need periodic
maintenance and perhaps even repairs. Always understand your warranty and
the type of tune-up and repairs needed. Purchase your e-bike from a company
that is happy to answer your questions and offers good customer service. This
will come in handy if you ever need a repair.
Until next time!
This podcast is brought to you by BBB of the Tri-Counties
A BIG thank you to Ayers Automotive Repairs for supporting this podcast.
Welcome to this week’s edition of Your Moment of Trust!
Summertime means grilling season is in full swing. But before you can host that backyard BBQ, you need a grill.
These tips will help you pick the right kind of grill at a price that fits your budget.
Tips for buying a grill
● Start by choosing a fuel type. Grills come in various budgets, so start by
narrowing your search according to fuel type. The most common options include 1. Gas Grills, 2. Charcoal or specialized ceramic grills, and 3. wood pellet grills.
Gas grills are popular because of their convenience. These grills light with
the touch of a button and the turn of a few dials. If you want a gas grill, you
must decide between natural gas and propane. Natural grills plug into your
existing natural gas line, so you’ll never run out of fuel. Propane grills use
a cylinder that will need to be refilled. However, propane will be
significantly cheaper if you don’t have a natural gas line at your home.
Basic charcoal or specialized ceramic grills give you greater control over
cooking temperature. The bigger you build a fire, the higher the
temperature. Charcoal grills offer more classic grilled flavor than gas grills,
but they have a steeper learning curve.
Wood pellets. Pellet grills are designed to make food taste like cooked
over a wood fire. They often have digital thermostats that allow you to be
precise with the cooking temperature.
How to Choose the Right Grill:
● Set a budget. Grill prices range from hundreds to thousands - to even tens of
thousands of dollars. Be sure to set your budget and know how much you can
spend before you start shopping. This will help you further narrow your options.
● Choose the right size. If you cook for a family of four, a two-burner gas grill or
most small to medium charcoal grills will work fine. Many grills are measured in
square inches. Grills around 400-500 square inches are a good choice for most
families. If you’re grilling for a crowd, you may need something larger.
● If you are new to grilling, start simple. A basic starter grill that only costs a couple
of hundred dollars will allow you to improve your grilling skills and decide if you
want to invest in something fancier.
● Check for solid construction. The more solid the grill, the more grilling seasons it
will last. Give assembled grills a jostle to see if they feel shaky or unstable. Grills
with welded joints are usually sturdier and more stable than carts assembled with bolts.
A Podcast by BBB of the Tri-Counties
A BIG Thank you to Ayers Auto Repairs in Santa Barbara for making Scam Squad possible!
Welcome to this week’s edition of Your Moment of Trust!
After more than three years of relief, the payment pause on student loans is coming to an end. The U.S. Department of Education recently announced that student loan interest will resume September 1, 2023, and payments will be due starting in October. This student loan news affects millions of Americans, which creates an excellent opportunity for scammers. In fact, BBB has already received multiple reports of scams related to student loan repayment citing “new 2023 guidelines.” Get to know the signs of a scam and always be sure to do your research before sharing any personal information.
How the scam works:
You receive an email, letter, or phone call from someone claiming you are eligible for “student loan consolidation,” “payment reduction program,” or a similar service. This new benefit is allegedly part of “the new 2023 guidelines,” and the scammer may even claim to represent the Federal Student Aid (FSA) department. If you respond, the scammer will ask you for personal information to “confirm your identity” or to “check your eligibility.” This information might include your Social Security number, name and address, and even your FSA.gov login information. One student loan holder reported the following experience: “I received an email stating that the Student Loan Department has been trying to contact me to tell me all of my student loans are eligible for forgiveness under the new 2023 guidelines. They wanted me to call the number between 11-7pm in Albuquerque, New Mexico and give them information in order to process forgiveness.” At this point the loan holder reached out their student loan company and learned that the email was scam. After “verifying your identity” the scammer will offer you an enticing plan to reduce your loan repayment. If you agree, you may end up making payments a third-party in vain for months or even years. None of your payments will go towards your student loan. And even if you don’t make a payment, sharing personal information puts you at risk for identity theft.
Tips to avoid student loan forgiveness scams
● Get to know the terms of your student loan and the relief program before acting. Always do your research before sharing personal information. Be sure to understand the ins and outs of your specific loan and how student loan terms impact you. You may have to research who your current loan servicer is since it may have changed. Reach out to them to explore all your repayment options and make sure your contact information is up to date. For information, go straight to official government websites, such as ED.gov and studentaid.gov.
● Never pay money for a free government program. Scammers often trick victims into paying for free government programs – or they claim you can get additional benefits, faster benefits, etc., for a fee. A real government agency will not ask for an advanced processing fee. These are all red flags of a scam.
● Be wary of out-of-the-blue calls, emails, or text messages claiming to be from the government. Generally, the government will not contact you using these methods unless you grant permission.
● Watch out for phony government agencies or programs. If you speak to someone claiming to be a government representative offering you student loan relief, research before you agree to anything. Scammers often make up look-alike government websites that sound similar to legitimate agencies or programs.
● Think something seems suspicious? Reach out to the agency directly. If you have any concerns about an alleged government representative's legitimacy, hang up the phone or stop emailing/texting. Then, find the official contact information (look on ED.gov and studentaid.gov or other official sites) and call to verify. Then, report suspicious calls or messages.
● Be careful, even if the information comes from a friend. Even if a close friend or family member you trust sent you the information regarding student loan relief, make sure the claims are real first. During the COVID-19 pandemic, BBB received many reports of hacked social media accounts being used to spread government impostor scams. For more information Read more on BBB.org about scams targeting recent college graduates and government impostors. Get further insight by reading BBB’s tips on loans and credit repair services. If you’ve spotted a student loan forgiveness scam (whether or not you’ve lost money), report it to BBB.org/ScamTracker. Your report can help others avoid falling victim to scams.
Until next time!
This Podcast is brought to you by BBB of the Tri-Counties
A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast. https://www.bbb.org/local-bbb/bbb-of-the-tri-counties
Welcome to this week’s edition of Your Moment of Trust! Between booking flights, hotels, a rental car, and things to do, planning a vacation can get stressful. It’s one reason many travelers turn to vacation packages, which bundle multiple aspects of your trip. Vacation packages are simpler to purchase and can save you money too. To get the best deal and to avoid unpleasant surprises, BBB recommends the following tips when booking a vacation package.
● Count the cost. The best way to know if you’re getting a good deal on a vacation package is to check the price for booking each part of the vacation separately. If a vacation package costs more than purchasing hotels, flights, rental cars, etc., separately, you might want to make your bookings instead.
● Be flexible to get the best deal. Getting a better value for your vacation package is easier if you can be flexible with your dates. This is also true if you’re flexible with your destination. Is your heart set on Cancun, but it’s outside your budget? Why not consider a travel package that takes you to a lesser-known beach in Mexico? The same goes for airport choices. Being open to departing from any nearby airport might save you hundreds of dollars.
● Know that you can extend travel dates (usually). If you’re offered a package with pre-established dates, know that most packages allow you to extend your trip or modify the dates as you see fit. You’ll pay more for different dates, but it can be done. However, if you can’t extend your trip for the package you’re interested in, you can always find your way home. Taking advantage of the travel package and adding your travel plans to the end of your trip is still an option.
● Book early or last minute. You can also get a good deal by booking your trip early or scoring a last-minute deal. If last-minute travel plans sound stressful, consider blocking off the time earlier in the year and hunting up your travel package the week before.
● Read the fine print. Always read and re-read the fine print when booking a vacation package to ensure you know exactly what is included and what isn’t. Airfare and your hotel might be included in the price, but what about land transfers, tips, activities, amenities, and food? The last thing you want is to assume your package is all-inclusive, only to discover you’ll need to pay for more than you expected after arriving at your destination.
● Check the refund and cancelation policies. Get to know how cancelations and refunds are handled if your trip is interrupted by illness, bad weather, or other unforeseen events. You’ll find this information in the fine print as well.
● Think about loyalty points and travel rewards. If you travel regularly, you might want to earn points through a loyalty program you use or redeem travel rewards for your next trip. This isn’t always possible when booking vacation packages. However, it might be if you book a vacation package through the company you get rewards from. For example, if you have plenty of sky miles saved up through your favorite airline’s loyalty program, try booking a vacation package through them.
● Watch out for scams. As always, you’ll need to watch for bad actors when searching for a good vacation package. Book through reputable vendors and be wary of travel companies you haven’t heard of before. Research to ensure they have a good business reputation before booking a trip. Read plenty of reviews, keeping a close eye out for complaints and reports of scams.
Until Next time!
A Podcast from BBB of the Tri-Counties:
A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast
Welcome to this week’s edition of Your Moment of Trust! You are on a fitness journey
and have decided to purchase a fitness tracker. Having a fitness tracker can raise
awareness of your activities throughout the day. The benefits of a fitness tracker are
also connecting you to friends and an extended community of fitness enthusiasts. See
BBB's tips on choosing a fitness tracker.
Within a couple of weeks, you start receiving messages from a member of your fitness
application social group. The sender begins by asking about your fitness goals, and
then the conversation becomes more personal. Questions are asked about your family,
where you work, and your hobbies. After creating a bond, the scammers start sharing
fake personal stories with you.
"He told me he was a single dad working overseas to provide for his daughter," one
victim said. "I really believed him, and once I sent him money the first time, he continued
to ask repeatedly. When I refused to send more money, he threatened me and my
family. I am now out of $100,000, and I know it will be difficult to get any of that money
back."
Signs of the scam:
● Moving fast. Scammers will begin to ask personal questions quickly. (Are you
married, where do you work, etc.).
● Emotional stories. The scammer may have a sick, elderly parent or child needing
medical care.
● Specific instructions when asking for financial help. The scammer will request
you wire money or use a prepaid debit card.
● Ask to communicate differently. As the scammer develops a relationship with a
victim, they will ask for email contact or a personal cell phone number to connect
outside the app.
Tips to avoid fitness app and other social app scams:
● Do not post a picture of yourself as a profile. Use an avatar or free stock photo as
a protective measure to avoid scammers targeting certain groups of people (ex:
senior community).
● Do not share personal information (marital status, employment) with a stranger.
The more the scammer knows about you, the more information they have to
manipulate you out of your identity and money.
● Think before accepting requests from strangers. Being a part of a community is
rewarding but can also be dangerous. Only connect with people you already
know.
● Avoid clicking on unsolicited links. Clicking on a link may lead to downloading
malware onto your device. The downloaded malware can lead to scammers
collecting personally identifiable information that can be used for identity theft or
tracking your digital footprint.
● Share with a family member or close friend. If uncomfortable or unsure about the
communication you receive, share your concerns with someone you know.
Receiving a different perspective is always helpful when in doubt.
Until next time!
For more scam warnings, visit https://www.youtube.com/c/ScamSquad/videos
A podcast by BBB of the Tri-Counties
A BIG Thank You to Ayers Automotive Repairs in Santa Barbara for supporting this podcast!
Welcome to this week’s edition of Your Moment of Trust!
When planning your summer vacation, consider renting an RV or camper. Over the past few years, camping has become more appealing as a vacation option and caused a massive rise in RV sales and prices. RVs and campers allow vacationers to travel and see multiple sights – while maintaining a private space, they can control. You should consider many factors before renting an RV, especially if you are a first-timer.
Tips for renting an RV or camper:
To get the most out of your RV rental and to make sure your vacation goes off without a hitch, follow these tips:
Get to know different RV classes. One of the biggest decisions you’ll need is what kind of RV you want to rent. Both towable RVs (often called campers) and motorized RVs are available. If you want a camper, you’ll need a vehicle to pull it. If you prefer a motorized RV, consider what kind of transportation you’ll need (if any) after the RV is parked. Motorized RVs come in three classes: A, B, and C. You generally don’t need a special license to drive any RVs, but there are significant differences in how each class drives. Class A RVs are the largest and can measure up to 45 feet in length. They are also the hardest to maneuver because of their large size and may not be suitable for someone who has never driven an RV before. Class B RVs fall between 16 and 22 feet long and best suit couples or individuals. They are also the easiest to drive since they handle large trucks or vans. Class C RVs are in-between, usually sleeping four to six people and measuring 21 to 35 feet long. A Class C RV drives like a moving truck with no rear-view mirror capability. Once you’ve decided what kind of RV suits you and your traveling companions, you can narrow your search to specific models within a class. Knowing what type of RV you’ll rent will help you plan other aspects of your trip.
Budget your trip. Depending on the size of the RV, you can expect to pay anywhere from $50 to $300 per night on average. Luxury Class A RVs can cost considerably more per night. However, coming up with a trip budget involves much more than just the rental price per night of the RV. You’ll also need to factor in insurance, gas, campground fees, food, and any additional activities you have planned for your trip. Remember that RV rental companies often allot you a certain number of miles and generator time. You’ll be charged additional miles or time if you exceed the designated amounts.
Choose a booking company. Once you know what kind of RV you want to rent and how much you can spend, you can browse options with different booking companies. Here, too, you have several options. Some booking companies own their vehicles and offer standardized rates and experiences. Others work more like Airbnb; they have various RVs owned and leased by individuals. Policies vary from business to business, and while some companies include mileage and insurance in their booking price, others offer them as add-ons that must be paid for separately. Be sure to read up on each booking company’s policies and review past customer reviews before you do business with them.
Take a walkthrough. When you find an RV or camper interested in renting, taking a walkthrough tour is essential. Not only will you be able to see if the RV measures up to its online description, but you can also learn how to operate the RV. Take advantage of a walkthrough to find out how the generator and electrical hook-ups work, how to dump water tanks, how to operate the awnings, or any other basic functions you need clarification on.
Purchase insurance. If insurance isn’t included in the basic price of your RV rental, be sure to purchase it separately. Most states require at least liability insurance for motorized RVs. Your standard car insurance policy usually covers campers, but check with your insurance company. A good insurance policy will give you peace of mind and protection in case of accidents, bad weather, or theft.
Plan your route. Start planning your route by deciding where to park your RV during your journey. If you want to park at a U.S. National Park, you must book well in advance, sometimes a year or more. You’ll also need to book for state parks and privately-owned campgrounds in advance. If you are new to driving an RV, you might want to choose pull-through parking spaces instead of spaces you’ll have to back into. In addition, some hotels and other tourist destinations offer RV parking for visitors. After you know where you’ll park, double-check your chosen route to ensure it doesn’t include any narrow roads, low bridges, or tunnels that the RV won’t fit in or under. Keep the height of your RV in mind when you make pit stops, too. First-time RV drivers sometimes forget common low clearance situations, such as fast-food drive-throughs.
Know what to bring. Amenities vary from one RV to another, so make sure you know what’s included before you start packing. Some booking companies include sheets, utensils, and cookware, while others don’t. Knowing what is included will help you avoid packing non-essentials. Packing a tool kit and a first aid kit is a good idea if these aren’t already on board the RV. Learn to set up campsites.
Many seasoned RV renters advise arriving at your campsite early. It’s much easier to park and set up electric and water hookups with plenty of daylight. Read the RV manual before your trip to understand how to hook up at a campsite and how to dump wastewater. Remember that dumping wastewater can be a messy experience, and many campers prefer to pay for on-site dump services. This may be a preferable option if your campground provides this service. Other campers use public restrooms and showers to avoid dumping waste at all. Until next time
Until next time!
A podcast by BBB of the Tri-Counties:
A BIG thank you to Ayers Automotive Repair in Santa Barbara, for supporting this podcast
Use caution when hiring a home improvement contractor, especially following a major storm, flood, or weather event when many homeowners are trying to repair their homes. However, contractor scams can happen anytime, so be wary of high-pressure sales tactics, upfront fees, and fly-by-night businesses. Con artists will take homeowners’ money and deliver (or not deliver) less than quality work.
How the scam works:
Home improvement scams can start with a knock on the door, a flyer, or an ad. The contractor may offer a low price or a short timeframe. One common hook is when the scammer claims to be working in your neighborhood on another project and has leftover supplies.
Once started, a rogue contractor may "find" issues that significantly raise the price. If you object, they threaten to walk away and leave a half-finished project. Or they may accept your upfront deposit and never return to do the job. Following a natural disaster, scammers persuade homeowners to sign over their insurance payments.
Tips to spot this scam:
- Watch out for "red flags." Say no to cash-only deals, high-pressure sales tactics, high upfront payments, handshake deals without a contract, and on-site inspections. Not all “storm chasers” are con artists, but enough are that you should be cautious any time a home contractor contacts you first…especially after a natural disaster.
-
Ask for references and check them out. Bad contractors will be reluctant to share this information, and scammers won’t wait for you to do your homework. If you can, get references from past customers, both older references to check on the quality of the work and newer references to ensure current employees are up to the task. Check them out at BBB.org to see what other customers have experienced. And always get a written contract with the price, materials, and timeline. The more detail, the better.
-
Know the law. Work with local businesses that have proper identification, licensing, and insurance. Confirm that your vendor will get related permits, and make sure you know who is responsible for what according to your local laws and that your vendor is ready to comply.
To report a scam, go to BBB Scam Tracker.
Be sure to check out more scam warnings on Scam Squad
A Podcast by BBB of the Tri-Counties
A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast.
Welcome to this week’s edition of Your Moment of Trust!
Premiumization is when companies offer higher-end products and services for a premium price. Airlines selling both business class vs. economy seats are a classic example. Another is car manufacturers offering a standard model and one featuring heated seats and leather trim.
While these two examples have been around for decades, premiumization has expanded since the Covid-19 pandemic. Now, businesses selling everything from beauty products to booze are adding new premium options and services. As a consumer, evaluating premium options can be tricky. Here are BBB’s tips for weighing new premium options and ensuring you get the promised value.
Tips for navigating premiumization as a shopper
● Do your homework. Brands that offer premium products or services may look like luxury, but as with any purchase, doing some research is vital. Before paying a premium price, ensure the vendor is a trustworthy business with a reputation for good customer service. Look up businesses on BBB.org to review business ratings and comments from customers.
● Understand what makes a product premium. Many business owners are working to maintain profit margins by offering their clients added value in a premium package. However, if a product or service claims to be premium, find out why. Specifically, what makes it better than the basic option? If a vendor can’t give you a good answer, skip the premium price and shop elsewhere.
● Comparison shop. To get the best deal on anything, comparison shopping is a must. This is also true when considering a company’s premium offerings. Find out what similar companies offer and their price point to see if you are really getting added value for the higher price.
● Watch for “greenwashing.” Many companies promote premium options as more sustainable, lower waste, or all-natural. But be wary of misleading green marketing claims. The Federal Trade Commission advises consumers to look for specific information on packages and products that explain why the product is green.
● Keep track of subscriptions. Many companies offer premium services in the form of a subscription. This might mean paying a monthly fee for quicker delivery, exclusive content, or access to superior products. If you purchase a subscription,
and especially if you purchase multiple subscriptions, keep track of them. Review paid subscriptions regularly and cancel any you no longer need to avoid unnecessary spending.
● Don’t want premium? Explore new brands. While some companies are leaning into new premium offerings, others are filling the lower-price space with cheaper options. For example, make-up brands are creating new products similar to high-end options but sell for a fraction of the price.
● Stick to your budget. A good budget can do wonders for your financial health, but only if you respect your spending limits. If your budget only allows you to purchase the basic version of a product or service, skip the premium offerings to keep your finances in the green.
Until next time!
A podcast by BBB of the Tri-Counties
A BIG thank for to Ayers Automotive Repair in Santa Barbara
Welcome to this week’s edition of Your Moment of Trust!
Tricky websites claim to offer discounted prices on Stanley cups and tumblers in a scam reported to BBB Scam Tracker repeatedly in recent weeks.
Here’s how to spot the scam so you don’t lose money or personal information to con artists.
How the scam works:
You see an ad for Stanley travel cups on social media or after an online search. It appears to be from the official Stanley company or a popular sporting goods store. According to an ad, the store is running a flash sale with great prices on the cups – some are discounted to half the original price or more. Enticed by a good deal, you click on the link. When you do, you’re redirected to a website where you can purchase. It looks like a legitimate site, so you enter your payment information and are charged for the item. However, soon after ordering, you’ll notice some red flags. Some buyers reported never receiving a confirmation email and being unable to contact the company. Others received shipping information, but their product was never delivered. Several victims reported getting confirmation that their product had been delivered to Alaska, which is not where they reside. Here’s one consumer’s firsthand experience: “There was an advertisement for Stanley travel cups for Mother’s Day through Dick’s Sporting Goods. I clicked the ad and was taken to the ‘Stanley’ website, where I ordered and entered my credit card info. I received an order confirmation notice and tracking information from the seller. However, my travel cups were apparently ‘delivered’ in a completely different state, almost 800 miles from my location! The items were delivered the day after a ‘Missing Mail Search Request’ was initiated, but it wasn’t initiated or requested by me. I have tried to contact both the shipping company and the seller through their website but have not gotten any response.” If you purchase through a shady website, your personal information and the money you spend will be gone for good. The Stanley cup you ordered never even existed.
How to avoid online shopping scams:
● Only make purchases through sellers you know and trust. When making purchases online, only buy products from reputable businesses. If you find a great deal through a seller you’ve never heard of, do plenty of research to ensure they are legit before entrusting them with your personal information and hard-earned money.
● Watch out for imitation websites. Even if you think you are on a well-known vendor’s website, you might not be. Scammers are experts at making lookalike websites to fool consumers into entering their personal and payment information. Take a hard look at the URL to ensure you aren’t on a website that looks like a seller you know but is off by a word or even a single letter.
● Beness’ social media feed and website, and read reviews about the company on third-party websites to ensure they are a real business with real customers, quality products, and good customer service.
● Stay extra vigilant around holidays. BBB Scam Tracker received multiple reports each day about this Stanley cup scam just before Mother’s Day. If a holiday is approaching (especially one where it’s customary to send gifts), stay alert to the possibility of scams. Don’t wait until the last minute to purchase a gift, either. Bad actors play on people’s desire to get a good deal. Plus, they know that last-minute shoppers are more vulnerable to scams than someone with plenty of time to research the seller. Until next time! cautious about ads on social media. Many reputable businesses run social media ads but so do scammers. Sort real businesses from scams by doing your research!
A Podcast by BBB of the Tri-Coumties
A BIG thank you to Ayers Automotive Repairs in Santa Barbara, CA
Welcome to this week’s edition of Your Moment of Trust! How can you choose the best moving option – one that fits both your needs and your budget? Knowing your options (and the perks and downfalls of each one) can help you save money and safely transport your belongings.
Option 1: Full-service moving companies
Hiring a full-service moving company is a lower-stress way of getting all your belongings from Point A to Point B, advises Nerd Wallet, a BBB Accredited Business. Professional movers manage the logistics of loading, driving, and unloading your things for you. Some full-service movers even offer extra services like packing.
Trained movers can safely pack and transport large and/or delicate items (think pianos and antique furniture). They can also move items into hard-to-access areas, such as upstairs or down long, narrow driveways. Best of all, all the heavy lifting will be done for you.
The downsides of hiring a full-service moving company are the cost and the time it takes to complete a move. This is usually the most expensive way to move your belongings. If you are making a long-distance move, it may also take movers several days to deliver your items.
Option 2: Shipping your belongings
If you’ve managed to whittle your belongings down to a few boxes or suitcases, shipping them is a cheap and easy way to move—especially if you are moving across the country, points out Consumer Affairs.
Big-name package shippers often charge a premium to ship large or heavy boxes. But other companies, like long-distance bus lines, may offer cheaper services. Some shippers will pick up boxes from your home and drop them off at your new address for an extra fee.
While cost and ease are two big pros of this method, there are a few cons too. Boxes shipped by ground may take several days or even a few weeks to arrive at their destination. In addition, this isn’t a good option if your boxes contain fragile items.
If you are flying to your new home city, check with several airlines before you buy your ticket. Some airlines offer reasonable prices on additional checked bags, but you’ll probably need to do some searching to find the best deal.
Option 3: DIY truck rentals
If you have larger items but still want to move DIY, a truck rental company could be a good choice. Truck rental companies will provide you with a truck or trailer of an appropriate size, but you’ll be responsible for the packing, loading, driving, and unloading.
This option is less expensive than hiring professional movers. Depending on how far you are going, it may be cheaper than hiring a moving container service. Move.org has calculated average prices for DIY moves.
That said, loading and unloading a truck is physically demanding. If you have any large or unwieldy items, they could be damaged if they aren’t packed, loaded, and unloaded correctly. To address this, you can always hire movers to help you load and unload the truck.
You’ll also need to feel comfortable driving a moving truck, which is probably much larger and heavier than your regular vehicle. This can be stressful even for very capable drivers, and you might need to purchase extra insurance in case of accidents or damage. If you choose this route, add gas, insurance, and lodging to the truck rental company's quote for an accurate view of the total cost.
Option 4: Moving container services
Moving container services could be an ideal option if you don’t feel comfortable driving a rental truck to your new home. Moving container services bring a portable storage container to your home. You fill it up. Then, the company transports it to your new location, where you unload your belongings.
These companies usually give you a few days to load and unload. They can also store your container for a fee if you need time to find a new house in your new city. They are less costly than a full-service moving company, and you don’t have to worry about driving a big truck to your new home.
To take advantage of moving container services, you’ll need space. If your current or new home has no parking or a driveway on a steep incline, this option might not be feasible. Some moving container services offer movers to load and unload your items if you pay an extra fee. However, in many cases, paying the fee will make the moving container service more expensive or even more expensive than a full-service moving company. To get an idea of pricing for this option, see this article on Move.org.
For more information
Learn more by reviewing the BBB Moving Resources page.
Until next time!
A Podcast by BBB of the Tri-Counties
A Big thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast!
This year’s college graduates are getting ready to start their new lives! It’s a big transition that includes several important changes. Grads may be moving to a new city, finding a new place to live, or searching for a new job. Graduation also often means new financial responsibilities, such as starting payments on student loans. College graduates are navigating many life changes, and scammers are eager to exploit their inexperience. The following tips can help new grads avoid common scams.
Know the terms of your student loans
One of the most common ways scammers target college graduates is with fake loan forgiveness opportunities. You may receive an unsolicited email, phone call, or text message stating that you can qualify for lowered payments through a debt forgiveness program. Fill out a form and pay a fee to use the company's services. Some of these companies are real, but they pitch their services with false claims and incomplete information. Other companies are fakes, only hoping to get their hands on your personal information and money. Scammers may also contact college grads regarding student loan repayment hiatus in response to COVID-19. See the latest U.S. information on loan repayment. Check Canada's latest student loan information.. Scammers may claim that to take advantage of the program, you must complete a form or pay a fee. You may not need to do this, so check your facts before giving anyone your information.
Understanding the ins and outs of your student loan - what kind of interest you owe, when you need to start paying (in most cases, you won’t need to make a payment until six months after you’ve graduated), and for how long you’ll be expected to make payments - will protect you from these scams.
Be wary of unsolicited messages about unpaid tuition
Some con artists contact graduates or their parents, claiming some of their tuition was left unpaid. The graduate’s degree will be revoked if it isn't paid immediately. Scammers may ask you to send money via wire transfer or prepaid debit cards. Whether you are contacted by phone, email, or text message, be wary of anyone who contacts you out of the blue. Government agencies, as well as most higher education facilities, will contact you by mail initially. Suppose you aren’t sure if a message is legitimate, research to verify the person’s claims. Ask to contact them later. Then, investigate by looking up information on the official website or calling your school’s bursar’s office. Don’t give in to pressure to make a decision right away.
Do research before accepting jobs or job interviews
Scammers may offer recent graduates high-paying, easy, entry-level jobs. Con artists are skilled at drawing new grads in by promoting unrealistic wages for generally labeled job positions, such as “virtual assistant” or “customer service rep.” They may ask for your personal information, including your bank account and Social Security number, claiming they need it to set up direct deposit or file taxes. In other cases, scammers require you to pay for training. In yet another version, you may be “accidentally” overpaid with a fake check and asked to send back the extra funds. If you are considering a job with a company you aren’t familiar with, do some research before you complete an application or agree to an interview. Ensure the company has legitimate contact information and the position is posted on their corporate website. Scammers often steal the names of real companies for their phony job postings. For tips for avoiding scams while job hunting, check out BBB’s report on employment scams.
Watch out for rental scams
Find a gorgeous apartment in a trendy neighborhood at an affordable price. There’s a good chance that it’s a scam. According to a survey by Apartment List, 43% of people looking for a rental online have encountered a bogus listing. In many cases, scammers copy the photo and description of real property. Then, they post it online with their contact information and try to get a deposit and the first month’s rent from the victim. If you want to rent a home or apartment, find out how much other rental properties in the area cost before signing a lease. Scammers often lure victims by promising low rents, extra amenities, and a great location. It may be a scam if the price seems much better than elsewhere. Also, be sure to see the apartment or house in person. Don’t send money to someone you’ve never met for an apartment you haven’t seen. If you can’t visit an apartment or house yourself, ask someone you trust to go and confirm that it is what was advertised. Finally, read the lease agreement documents before you sign. Don’t be embarrassed to consult with friends or family members who may be more knowledgeable on the subject if you have doubts or questions. See this BBB investigation for more tips on rental scams.
Until next time!
A Podcast by BBB of the Tri-Counties
A BIG Thank you to Ayers Auto Repair in Santa Barbara for supporting this podcast!
Welcome to this week’s edition of Your Moment of Trust! Artificial intelligence (AI) is the hot new thing. It’s revolutionizing medical research, challenging the art world, and even helping small business owners streamline and automate tasks. But as with anything new and popular, scammers are quick to take advantage. When evaluating AI products for your business, be on the lookout for scams.
How the scam works
You get an unsolicited call, email, or text message claiming to offer AI services for small businesses. You may even stumble across a convincing looking ad on social media or be sent one by a friend. The services sound amazing. You’ll pay a reasonable amount upfront, and once the AI is set up, you can expect incredible benefits, such as automating all your marketing needs. If the ROI sounds too good to be true, that’s because it is.
One small business owner reported signing up for a “free” trial of what appeared to be a promising new AI product. They lamented, “The company charged me $144 plus $12 ‘processing fee’ before the free trial was up… When I explained the situation over email… the 'Sr Success Manager' denied a refund and would not put me in contact with anyone else at the company. I informed him that the company was partaking in misleading and false advertisement, and he failed to respond to my email.”
If you engage with scammers offering phony AI services, you’ll likely lose any money you pay them. At the very least, your business information could fall into the hands of unscrupulous individuals and put you at risk for identity theft, business email compromise, and other cons.
How to avoid AI scams
● Research before you hire. Get to know a company before you do business with them. This requires thorough research. Review their website and social media accounts. If anything looks unprofessional or if contact information is missing or doesn’t work, steer clear. Do an internet search for reviews and complaints. Search the company name along with the word “scam” to find reports or any dishonest business practices. You can also look up companies at BBB.org.
● Understand the AI services you need. Don’t let someone you’ve never met sell you on a service you’ve never heard of before. AI technology is relatively new, so you’ll need to do some research to understand how it works and exactly how it can benefit your business. It’s best practice to first have a use for AI clearly in
mind, and only then reach out to reputable companies for the service.
● Watch out for aggressive sales tactics and far-fetched promises. These are two of scammers’ most effective tactics. If someone pressures you to buy a service, telling you you’ll miss out if you don’t act right now, or if they promise you your business will make hundreds or thousands of dollars with little to no effort on your part, it’s probably a scam.
● Ask for references. If a company reaches out to you, ask them for references and contact them. Look up the references online to make sure they are real people, with real businesses. If you can’t find their information, or if the service provider refuses to give you references, find another company to work with.
● Safeguard your money and personal details. Never enter your sensitive personal information on a website you aren’t familiar with. Don’t send your details via email to someone you don’t know. Keep your money safe by refusing to send funds via wire transfer or prepaid debit cards. If you do purchase a service online, only use your credit card. Credit cards offer extra protection against fraudulent charges.
For more information
Discover a similar scam offering fake marketing services to small business owners. Learn more about AI in the BBB Business Tip: AI for small business. Where to start? Then, visit the BBB small business page to get the latest news and tips for small business owners.
See BBB's artificial intelligence HQ for more AI tips and resources.
If you’ve been targeted by an AI scam, report it at BBB.org/ScamTracker – even if you didn’t lose any money. Your report helps build awareness about common scam tactics so other business owners can spot a scam before it’s too late.
Until next time!
A Podcast by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-...
A BIG thank you to Ayers Automotive Repair for Supporting this Channel!
Welcome to this week’s edition of Your Moment of Trust! Buying refurbished items can save you money, but it’s important to research before you take the plunge. While many reputable businesses offer quality pre-owned electronics, appliances, and other products for a fraction of their original price, BBB Scam Tracker has received reports of con artists ripping off consumers by promising a great deal on “like-new” devices that they don’t plan on delivering. How the scam works: You find a website that sells refurbished items ranging from car parts to cellphones to hair dryers. The site looks legit, and they are selling a high-dollar item you want for a price that fits your budget. You decide to purchase through the website or a payment app like PayPal (a BBB Accredited Business). Then, a few days after receiving your order confirmation, you wonder why you haven’t received a shipping confirmation. You reach out to the company, and they respond with an excuse. They may claim they are understaffed or have had a problem with their supply chain. Still, they assure you the item will be shipped soon. As more time passes, it eventually becomes clear that the seller has no intention of shipping anything. Each time you try to contact them, they either have more excuses or become impossible to reach. One consumer reported, “I was told multiple times the delay was from the owner being in a major car crash or dealing with a catastrophic medical accident. They even told me they were moving shop (more delays) and then that they had moved personally, which slowed delivery.” Unfortunately, the item you ordered doesn’t exist, and you’ve li lost the money you paid for it.
How to avoid refurbished product scams:
● Carefully examine a website before making a purchase. Before doing business with an online retailer, examine their website carefully. Not only should it have quality photos and typo-free content, but it should also have working contact information. In addition, you’ll want to research to find customer reviews and complaints. If you find reports of scams or no reviews at all, think twice before making a purchase. Always double-check the URL you are visiting to ensure you aren’t on a fake website.
● Understand what the term “refurbished” means. Keep in mind that refurbished means different things to different manufacturers. It can mean the product had shipping damage and was returned; it could refer to an open box product, a demo model, or an item that was broken and returned to the manufacturer. Find out what a company means by refurbished before you commit to a purchase. Remember that unauthorized third-party resellers are a big risk, especially if they don’t offer returns. Even if a reseller claims the manufacturer has refurbished the item, there’s no way you can confirm it. Buying under these circumstances is a big gamble.
● Ask about return policies. It can take a while for problems to show up, so make sure you have the option to return a refurbished item. If you can’t return it, or the return window is only a week or two, it may not be worth the risk.
● Inquire about warranties. Some manufacturer-refurbished items have an extended warranty, but this isn’t always true. Find out if the item you’re interested in qualifies for a warranty and what the conditions are. Warranties can come in handy if the refurbished item does have issues down the road. Know that anything marked “as-is” won’t have a warranty.
● Buy refurbished products from the manufacturer when possible. When a manufacturer gets a returned product, they recondition it to be like-new. They use original parts and trained repairmen to get the job done. An item refurbished by a third party may not get the same treatment. It could be repaired by someone who isn’t an expert with the brand, or it might contain different parts. Either issue means it won’t be in like-new condition when you buy it.
● Use a safe payment method. Always make online purchases with your credit card. If an online retailer doesn’t deliver on their promises, it will be easier to dispute the charges, and you’ll be more likely to get your money back. Until next time!
A Podcast by BBB of the Tri-Counties
A BIG Thank you to Ayers Auto Repairs in Santa Barbara for supporting this podcast!
Welcome to this week’s edition of Your Moment of Trust! Buying refurbished items can save you money, but it’s important to research before you take the plunge. While many reputable businesses offer quality pre-owned electronics, appliances, and other products for a fraction of their original price, BBB Scam Tracker has received reports of con artists ripping off consumers by promising a great deal on “like-new” devices that they don’t plan on delivering.
How the scam works:
You find a website that sells refurbished items ranging from car parts to cellphones to hair dryers. The site looks legit, and they are selling a high-dollar item you want for a price that fits your budget. You decide to purchase through the website or a payment app like PayPal (a BBB Accredited Business).
Then, a few days after receiving your order confirmation, you wonder why you haven’t received a shipping confirmation. You reach out to the company, and they respond with an excuse. They may claim they are understaffed or have had a problem with their supply chain. Still, they assure you the item will be shipped soon.
As more time passes, it eventually becomes clear that the seller has no intention of shipping anything. Each time you try to contact them, they either have more excuses or become impossible to reach.
One consumer reported, “I was told multiple times the delay was from the owner being in a major car crash or dealing with a catastrophic medical accident. They even told me they were moving shop (more delays) and then that they had moved personally, which slowed delivery.” Unfortunately, the item you ordered doesn’t exist, and you’ve li lost the money you paid for it.
How to avoid refurbished product scams:
● Carefully examine a website before making a purchase. Before doing business with an online retailer, examine their website carefully. Not only should it have quality photos and typo-free content, but it should also have working contact information. In addition, you’ll want to research to find customer reviews and complaints. If you find reports of scams or no reviews at all, think twice before making a purchase. Always double-check the URL you are visiting to ensure you aren’t on a fake website.
● Understand what the term “refurbished” means. Keep in mind that refurbished means different things to different manufacturers. It can mean the product had shipping damage and was returned; it could refer to an open box product, ademo model, or an item that was broken and returned to the manufacturer. Find out what a company means by refurbished before you commit to a purchase. Remember that unauthorized third-party resellers are a big risk, especially if they don’t offer returns. Even if a reseller claims the manufacturer has refurbished the item, there’s no way you can confirm it. Buying under these circumstances is a big gamble.
● Ask about return policies. It can take a while for problems to show up, so make sure you have the option to return a refurbished item. If you can’t return it, or the return window is only a week or two, it may not be worth the risk.
● Inquire about warranties. Some manufacturer-refurbished items have an extended warranty, but this isn’t always true. Find out if the item you’re interested in qualifies for a warranty and what the conditions are. Warranties can come in handy if the refurbished item does have issues down the road. Know that anything marked “as-is” won’t have a warranty.
● Buy refurbished products from the manufacturer when possible. When a manufacturer gets a returned product, they recondition it to be like-new. They use original parts and trained repairmen to get the job done. An item refurbished by a third party may not get the same treatment. It could be repaired by someone who isn’t an expert with the brand, or it might contain different parts. Either issue means it won’t be in like-new condition when you buy it.
● Use a safe payment method. Always make online purchases with your credit card. If an online retailer doesn’t deliver on their promises, it will be easier to dispute the charges, and you’ll be more likely to get your money back.
Until next time!
A Podcast by BBB of the Tri-Counties https://www.bbb.org/local-bbb/bbb-of-...
A BIG thank you Ayers Automotive Repairs of Santa Barbara for supporting this podcast!
Welcome to this week’s edition of Your Moment of Trust! Using green cleaning products in your home can reduce toxins, such as volatile organic compounds (VOCs), that are bad for your health and the environment. Green cleaners are more popular than ever, so shoppers have plenty of choices. But navigating the seals, certifications, and marketing claims can be confusing.
Tips for choosing cleaning products that are effective and safe for you and the environment:
● Check the packaging for eco-friendly labels. Products that display the Environmental Protection Agency’s Safer Choice label have safer chemical ingredients. According to the EPA, products with the label are “rigorously reviewed ingredient-for-ingredient, adhere to strict performance standards, and are evaluated to ensure the potential of adverse human and environmental health impacts is minimized.”
● Be wary of "greenwashing": Watch out for companies that label their products with vague phrases like “green" or “all-natural," warns the EPA. This is called "greenwashing." Instead, look for the Safer Choice label or specific, verifiable claims. You can search for Safer Choice-certified products here.
● Make sure product claims are substantiated: According to the Federal Trade Commission, if a product makes specific claims, such as "VOC-free" or "non-toxic," the company should be able to prove its product doesn’t have that ingredient nor any other ingredient that causes the same kind of risk. If you see a misleading green marketing claim, report it to the FTC at ReportFraud.ftc.gov.
● Try homemade cleaners. Many basic ingredients in your pantry, such as baking soda and white vinegar, make excellent cleaners. This article from greenamerica.org explains the ten basic ingredients that will tackle most cleaning jobs.
● Choose products with minimal, recycled, or biodegradable packaging. Being green isn't just about chemicals. It's also important to consider how a product is packaged. For example, if you use paper towels for cleaning, buy a recycled paper brand. Also, always choose biodegradable cleaning products when possible. Also, companies that use less plastic and offer refillable containers are a good choice.
A Podcast by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-...
A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast.
Business owners, con artists want to trick you into claiming tax credits that you aren’t eligible for. The Internal Revenue Service warns about scams revolving around the Employee Retention Credit, a tax credit for businesses that continued paying employees during the COVID-19 shutdowns or had a significant income decline during the eligibility period. While most eligible employers have already claimed this credit, unscrupulous companies are advertising ERC services to draw in businesses that are not eligible for the credit.
What’s in it for them? As always, scammers hope to get their hands on your personally identifiable information for identity theft. In some cases, they may charge you for dishonest services. Your best line of defense is to get to know the scam so that you can spot it first.
How the scam works:
You see an ad online or hear one on the radio that claims the government still owes your business an Employee Retention Credit, which you can claim on your taxes this year. They may ask you to call a number or visit a website for more information. A quick chat with the customer service rep or looking at a website convinces you that qualifying for the ERC is extremely easy. You decide to give it a try! You contact the company, and they tell you to qualify for the credit – without knowing anything about your business or how you handled COVID-19 shutdowns. They ask you to provide sensitive information, including your Social Security number, employer identification number (EIN), and other details the scammer can use to commit identity theft. If you hesitate to provide your personal information, they’ll quickly assure you they only want to help you get the money your business is entitled to. The company charges a service fee in other scam versions to help you get the credit. Unfortunately, if you accept their services and claim a credit you aren’t eligible for – even if you do so in good faith – you could face serious consequences, including paying back the credit with penalties and interest. Ultimately, the IRS will hold you responsible for any inaccurate information on your tax return – not the scammer.
How to avoid tax credit scams:
● Don’t believe marketing materials guarantee you’ll qualify for a tax credit. Anyone who makes guarantees without knowing anything about your business is likely up to no good.
● Think twice about promises of huge refunds. Scammers use the same tactics for many different cons. Tax credit schemes are no exception. Scammers count on an emotional response to a promise of fast, free cash before reason sets in. If it sounds too good to be true, it probably is.
● Don’t pay to get money. While paying a tax professional to prepare your taxes each year is perfectly reasonable, watch out for companies or individuals that charge you fees based on high and optimistic percentages of recovered taxes. Keep in mind that true tax professionals always make conservative estimates.
● Get to know the rules about ERC or other tax credits. Always do your research through a reputable source. For example, a quick visit to IRS.gov reveals that employers eligible for the ERC must have sustained a full or partial suspension of operations due to a governmental order by an appropriate authority, and they need to have qualified as a recovery startup business for the third or fourth quarters of 2021, among other qualifications. A little research can debunk scammers' claims before you get sucked into their schemes.
● Be careful with your personally identifiable information. Never give sensitive information to someone you don’t know and trust. If you are dealing with a tax professional for the first time, investigate beforehand to find out if they have a solid business reputation before you hand over any personal details.
● Always look for businesses that follow BBB Accreditation Standards and BBB Standards for Trust. Trustworthy BBB Accredited Businesses don't participate in shady practices.
Want to join the ranks and become BBB Accredited? Visit BBB.org/get-accredited
A Podcast from BBB of the Tri-Counties:
A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast.
Welcome to this week’s edition of Your Moment of Trust! The weather is warming in some parts of the country, inspiring people to clean up or clear the clutter. The one area many overlook isn't the corner of a room or a forgotten closet; it's the digital device you're reading this article. The BBB encourages people to check their smartphones, laptops, and tablets and take a few minutes to review these tips.
● Lock down your login: Security is critical to protecting accounts used for work and home. Ensure passphrases for each account are lengthy, unique, and safely stored. Enable 2-factor authentication on all accounts that offer it.
● Update your system and software: Avoid procrastination! The most current software, web browsers, and operating systems are some of the easiest and fastest ways to protect your most sensitive assets.
● Back it up: Protect your personal and workplace data by making electronic copies – or backups – of your most important files. Use the 3-2-1 rule to help guide you: 3 backup copies, two different media types, and one offline in a separate location.
● Clean up your online presence: When did you last use all the apps on your phone or tablet? Do you know the settings on all social media accounts that check in with friends and family? Check up on all your accounts. Then, control your role by ensuring you know who has administrative access to your accounts. Keep all of your passwords private.
● Be careful what you share: Quizzes on social media are fun, and keeping in touch is necessary. However, questions on social media might give away too much information about you, your location, or your family. In addition to following the above-listed tips, small business owners should take time to establish, update, and communicate policies and procedures around topics like record retention. It is also imperative that a cybersecurity strategy is in place and used by all employees. BBB has tips on BBB.org/bizhq on how to avoid online scams when working from home. BBB Secure Your ID Day Did you know that protecting your identity is largely in your own hands? Many identity theft victims can trace the theft to something stolen from their possession. BBB has a few guidelines to help safely dispose of electronically stored data. Before participating in BBB’s Secure Your ID Day or other shredding events, prepare your data. Know what devices to digitally “shred”: Computers and mobile phones aren’t the only devices that capture and store sensitive, personal data. External hard drives and USBs, tape drives, embedded flash memory, wearables, networking equipment, and office tools like copiers, printers, and fax machines all contain valuable personal information and stored images.
● Clear out stockpiles: If you have a stash of old hard drives or other devices – even in a locked storage area – information still exists and could be stolen. Don’t wait: wipe and/or destroy unneeded hard drives immediately.
● Empty your trash or recycle bin on all devices, and be sure to wipe and overwrite: Simply deleting and emptying the trash isn’t enough to eliminate a file. You must permanently delete old files. Use a program that deletes the data, “wipes” it from your device, and then overwrites it by putting random data in place of your information ‒ which cannot be retrieved.
○ Various overwriting and wiping tools are available for electronic devices. Remove any identifying information written on labels before disposal for devices like tape drives. Use embedded flash memory or other methods to perform a full factory reset and verify that no potentially sensitive information exists on the device.
● Decide what to do with the device: Once the device is clean, you can sell it, trade it in, give it away, recycle it, or have it destroyed. Note the following:
○ Failed drives still contain data: On failed drives, wiping often fails; shredding/destruction is the practical disposal approach for failed drives. Avoid returning a failed drive to the manufacturer; you can purchase support to keep it – and then destroy it.
○ To be “shredded,” a hard drive must be chipped into small pieces: Using a hammer to hit a drive only slows down a determined cybercriminal; instead, use a trusted shredding company to dispose of your old hard drives. Device shredding can often be the most time- and cost-effective option for disposing of many drives.
Until next time!
A Podcast by BBB of the Tri-Counties:
https://www.bbb.org/local-bbb/bbb-of-the-tri-counties
A BIG thank you to Ayers Automotive Repair in Santa Barbara for Supporting this Podcast
How to avoid fake invoice scams:
● Be wary of unsolicited emails, especially if you don’t remember doing business with the company they claim to come from. Even if you do business with a company, be careful if you receive an email you didn’t ask for or authorize. Scammers love to impersonate companies that are well-known and trusted by consumers.
● Know how invoices will be delivered. If you sign up for a service or subscription, ask how the company will deliver its invoices. That way, you won’t be fooled if scammers send you a copycat invoice through a different channel. BBB Accredited Businesses promise to adhere to BBB's Standards for Trust, so look for the BBB Accredited Business Seal. It's the Sign of a Better Business.
● Train your staff to spot a fake invoice. As a small business owner, you may not personally look at every invoice from your accounts department. Ensure your employees know how to differentiate a real invoice from a scam.
● Don’t give in to scare tactics. Scammers will use a sense of urgency to get you to give up sensitive information or make payments without thinking. If someone tells you you’ll lose hundreds of dollars if you don’t act now, don’t be easily intimidated. Always do proper research before agreeing to any transactions – especially unexpected ones.
● Have questions about a Geek Squad message? Reach out to Best Buy. Customers can call 1-888-BESTBUY to confirm whether a suspicious email is real. Also, check out BestBuy.com/StopFraud for more resources to help spot cybercrime, fraud, and tech support scams. Until next time!
A Podcast by BBB of the Tri-Counties https://www.bbb.org/local-bbb/bbb-of-the-tri-counties A BIG thank you to Aers Automotive Repair in Santa Barbara for supporting this podcast! https://www.ayersrepairs.com
You’ve likely heard ads on the TV or radio about the Camp Lejeune class action lawsuit for U.S. military veterans and their families exposed to tainted water at the camp. Marketing agencies and law firms spent over $40 million advertising the lawsuit. Now, scammers are jumping on board too, hoping all the media attention makes it easier to trick people, especially military personnel, into falling for common scam tactics.
How the scam works:
You receive an email or phone call telling you you qualify for compensation for the Camp Lejeune class action lawsuit. The email may claim you are entitled to tens of thousands of dollars. You need to click a link or call a number to get your compensation. For example, one recent target told BBB Scam Tracker: “[The caller] said they were representing Camp Lejeune and needed information about my brother who served in the military. Since he died years ago from cancer, they said I had $5,000,000 waiting in compensation from the Marines.” From here, the scam takes several different forms. Clicking the link could download malware onto your computer or mobile device, putting you at risk for identity theft. In other versions, scammers direct you to a website with a form that asks for personal information.
In yet another variation, the scammers are after your money and personal details. They claim you need to pay an upfront fee, so they can file your case and receive your money. If you pay them, they’ll continue to ask for more “filing fees” until you become suspicious. As soon as you realize the con, the scammer will disappear with your information and money.
How to avoid class action lawsuit scams:
● Don't believe in promises of quick cash with minimal effort. Scammers love to promise that fast cash is in your immediate future. The reality is even well-deserved compensation will take time to receive. It’s worth noting, too, that veterans who served at Camp Lejeune can apply for VA disability compensation and health care benefits without filing a lawsuit or getting help from a lawyer. BBB Accredited Businesses promise to adhere to BBB's Standards for Trust, so look for the BBB Accredited Business Seal. It's the Sign of a Better Business.
● Never click on links in suspicious emails. Be wary of unsolicited emails in general. Please don’t click on the links they contain, as they could lead you to fake websites or download malware onto your computer.
● Stay alert to variations of this scam. Emails aren’t the only way scammers may try to contact you about this and other class action lawsuits. Keep your eye out for similar scams sent via text messages, phone calls, or even mail.
● If you think you deserve compensation, apply through official channels. Visit VA.gov/CampLejeune for official information on how to apply for compensation. You can file for disability compensation online and learn what steps to take to file a Camp Lejeune lawsuit.
● Only work with reputable representatives. If you are ready to file a claim or appeal and need help, don’t settle for working with the first lawyer who pops up on a TV ad. Instead, do thorough research before choosing a legal representative. Get to know all your options, including working with an accredited attorney or a Veterans Service Officer (VSO).
For more information For more ways to avoid email scams, see the BBB Tip: How to recognize a phony email and the BBB Tip on phishing scams. For more information about how to receive compensation related to a stay at Camp Lejeune, visit VA.gov/CampLejeune. You can also report your experience at BBB.org/ScamTracker to help boost public awareness about this and similar scams. Until next time!A
A Podcast from BBB of the Tri-Counties:
Beware of BBB imposters! BBB does sometimes reach out to consumers and businesses; however, BBB will never ask for passwords or information to access your personal device. Also, watch out for phony invoices that look as if they are from the BBB.
If you are unsure if it's really the BBB calling, tell the caller you will call them back and end the call. Then check the phone number on BBB.org and call directly. If you receive a call from someone requesting payment information or permission to access your computer, hang up and report it to BBB Scam Tracker.
A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast.
A Podcast by BBB of the Tri-Countiea https://www.bbb.org/local-bbb/bbb-of-the-tri-counties
A Big Thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast! https://www.ayersrepairs.com
Scammers can target victims through any device connected to the internet, and your TV is no exception. BBB Scam Tracker has seen an influx of reports about scammers catching people off guard with pop-ups on their smart TVs. Their objective is to steal your personal information and money. How the scam works: You open a familiar service on your smart TV. However, you can’t log in. Instead, a pop-up appears, telling you there is a problem with your device or your streaming subscription. You need to call a phone number or visit a website to fix it. Don’t fall for it! If you call the number, scammers pretend to be customer service representatives. They will insist you pay an activation fee or allow them remote access to your smart TV. These con artists will get your credit or debit card number if you pay the fee. If you give them access to your device or click on a link they provide, the scammers may install malware on your TV and use it to gain access to sensitive personal information. Sometimes scammers ask you to “fix” the issue by paying them in gift cards. One consumer reported that after calling a number that appeared in a pop-up on their smart TV, a scammer instructed them to purchase three $100 Xbox gift cards to add “anti-hacking protection” to their account. After buying the gift cards and contacting the number again, it became clear they were dealing with scammers.
How to avoid smart TV scams:
● Double-check any fees you have to pay. If scammers ask you to pay an activation fee, antivirus protection fee, or any other kind of fee, do some research.
● Check before you call. If a “customer service” phone number appears in a pop-up, double-check it before you call. Contact a streaming service or TV manufacturer’s website to find their customer support number.
● Never let anyone control your device remotely. Scammers usually ask for remote computer access, but they could also ask for access to your smart TV. Don’t ever give control of your device to a stranger.beforehand. For example, scammers claim you need to pay an activation fee to start using your Roku. However, a quick online search reveals that Roku never charges activation or registration fees.
● Don’t fall for fake websites. Scammers love to create imitation websites using URLs that are just a letter or two off. Fake websites are a threat, even on smart TVs, so double-check the URL. Another way to protect yourself is to avoid clicking on links in pop-ups and, instead, type web URLs directly into your browser.
A Podcast by BBB of the Tri-Counties https://www.bbb.org/local-bbb/bbb-of-... A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast. https://www.ayersrepairs.com
Tips for Buying New Tires:
● Assess your current set of tires.
For starters, determine whether you need new tires. Try the “Lincoln test” if you’re unsure. Place a penny upside down into the tread of your tires. If you can see the top of Abe’s head, your tires should be replaced immediately. If the tread falls somewhere on his forehead, you should plan to buy new tires in the next few months. Even if the tread is thick enough, uneven wear, flaking, cracks, bulges, or other damage can all indicate you need new tires. Finally, if your tires are over six years old, vehicle manufacturers recommend replacing them, no matter their condition.
● Get to know tire types.
The type of tire you need will depend on the weather conditions you drive in and how you use your vehicle.
○ All-season tires: Most vehicles have all-season tires designed to work reasonably well in most weather conditions. They can handle some mud, snow, and slush.
○ Winter tires: If you live in a climate with frequent snow and ice, winter tires might be a better choice. They are more effective in deep snow.
○ Summer tires: These tires are best for warm weather climates. This kind of tire shouldn’t be driven if temperatures dip below freezing.
○ All-terrain tires: These are used mainly for four-wheel drive vehicles. They are great for off-roading but not meant for extended highway driving.
○ High-performance tires: These are designed with high-speed handling in mind, but they wear out quicker than “regular” tires. They may be a good choice if you drive a sports car. But they aren’t ideal for your everyday grocery store runs.
● Check out tread wear warranties.
You can find treadwear ratings on a tire’s sidewall. The higher the number, the longer the tire is supposed to last. Most tires have manufacturing quality and defect warranties, but some have a tread life warranty. In most cases, if your tires wear out before your reach the mileage number, you can get a credit towards a new set of the same tires. Shop around. Consider cost, convenience, and customer service when choosing where to buy your tires. Warehouse clubs, online sellers, tire dealers, car dealerships, and local shops all sell tires and have their pros and cons. If you’re looking for something specialized and unique, a local tire shop might be your best option, though you’ll probably pay a little more. Warehouse clubs and online sellers may offer more competitive prices, but their selections might be limited. Car dealerships provide convenience, but they aren’t the cheapest option, and you’ll likely have no choice but to buy original equipment tires. In the end, where you purchase your tires will depend on the kind of tires you want and your personal preferences.
● Only purchase tires from a reputable seller.
Visit BBB.org to see business ratings and read customer reviews. Make sure you only do business with a tire vendor with a good reputation and plenty of positive reviews. A little research goes a long way in finding out if a company is trustworthy or if they employ questionable business practices. Speak with someone on the phone or in person and ask plenty of questions about tire selections, installation, and warranties. Note the level of customer service you receive during this initial interaction to determine how you’ll be treated during tire installation and after the sale.
● Keep an eye on the fees.
You’ll probably have to pay some extra fees on top of the cost of the tires. You’ll likely see installation charges, disposal fees for your old tires, and taxes on your final bill. Some vendors may ask you to pay for new tire stems and resetting the Tire Pressure Monitoring System. Still, others might offer add-on services like filling the tires with nitrogen and road hazard warranties. Review all the fees and add-ons carefully before you agree to buy.
● Inspect new tires upon installation.
Take a good look at your new tires before you leave the shop. Look for any signs of damage and make sure the directional tread is facing the same way on all four tires. After you’ve driven a few miles on the new tires, check the tire pressure for each tire to make sure it matches the numbers indicated in the car’s door jamb. If tires are not within the suggested range, take the vehicle back to the shop for inspection.
● Maintain your new tires to extend their life.
Regularly check your tire pressure, inspect the tires for signs of uneven wear and damage, and get regular tire rotations. These are all easy ways to keep your tires in good shape and make them last for as long as possible.
Until next time!
This podcast is brought to you by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-the-tri-counties
How to avoid this Scam:
• Remember, the SSA’s Cost of Living Adjustment is automatic. You don’t need to do anything to receive the increase in benefits. If someone tells you otherwise, you’re likely dealing with a scammer.
• Know how the SSA communicates. According to SSA, “If there is a problem with your Social Security number, we will mail you a letter. Generally, we will only contact you if you have requested a call or have ongoing business with us.” A call, text, or email from an SSA agent out of the blue is a red flag.
• Don’t give in to threats. SSA will never threaten you with arrest or legal action. They will never suspend your Social Security number or demand payment from you. They will never ask for personal information or banking details to give you an increase in benefits. If someone demands these things or threatens you over the phone, they are not with SSA.
• When in doubt, hang up. If you suspect you might be getting scammed, stop all communications. Visit SSA.gov to research or call 1-800-772-1213 to confirm that the correspondence is legitimate before taking action.
For more information Read more about healthcare scams in this BBB tip. Learn more about other government impostor scams. Get more general tips to avoid scams by visiting BBB.org/AvoidScams.
A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting Your Moment of Trust!
The HOP (Home Ownership Podcast) Episode 127
Hosted by David Charles Allen, Village Properties Realtor in Santa Barbara https://www.davidcharlesallen.com 805-617-9311
Santa Barbara has had a cold snap, a surf swell and some wind this week. David reviewed the interest rates which went up slightly. The new listings were down slightly and there were 15 price changes, which is significant. David reviewed an area in Santa Barbara that has had a huge influx in popularity. Samarkand has a nice neighborhood feel and is within walking distance of several coffee shops. It has great walkability, and many homes have great ocean or mountain views. It’s also only two miles from Hendry’s Beach.
The HOP (Home Ownership Podcast) Episode 126
Host, David Charles Allen from Village Properties: Email david@davidcharlesallen.com or call 805-617-9311 Website: https://www.davidcharlesallen.com
David reviews the latest interest rates for 30-year conventional and jumbo loans and also explains what differentiates them before reviewing Santa Barbara's sales stats, The new listings rose to 36, which is encouraging--and higher than it has been in many months. Finally, David and his co-host Patti discuss the charming 'look' of Santa Barbara--due to architectural restrictions, but the trade off is that new construction and remodels must adhere to those standards. Also, there are few empty lots to build on in Santa Barbara which limits the ability to add people to the area.
This podcast is brought to you by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-... A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast. Tips to find the car you want at a decent price: ● Think about financing before you start shopping. If you have savings, buying a car outright is always the cheapest option. However, most consumers choose to finance their purchase, paying less upfront but more in the long run since you’ll need to borrow money and pay interest on your car loan. Whichever route you take, start by figuring out your budget. Decide how much you can afford to set aside for monthly car payments. Talk to your bank about getting preapproved for an auto loan. Not only will this give you some bargaining power when you are at the dealer, but you’ll also be able to compare dealer financing to find the lowest interest rate on your loan. ● Don’t get underwater. Many cars are still selling at prices over their sticker value. Consumers may be tempted to take out a bigger loan when it seems all vehicles sell for a premium. The problem is that cars are depreciating assets, and their value drops significantly as soon as you drive them off the lot. Without a decent down payment, you could quickly end up upside-down (a.k.a. underwater) on a loan, owing more than your car is worth. If your car gets totaled in a wreck or stolen, you could be left owing money on a vehicle you no longer have. If you can’t afford a larger down payment, consider purchasing gap insurance, which would cover the difference in the event of a severe accident. ● Don’t count on discounts or even haggling. In the past, year-end deals and bartering to get a lower price on a car were part of the sales process. With limited inventory, getting a deep discount from a dealer trying to clear off excess inventory isn’t likely. On the bright side, your used car trade-in is likely worth a little more than it would have been pre-pandemic. Consider using that for a little extra leverage to strike a deal. ● Do your research and try to be flexible. Before you set foot on a dealership lot, know which cars will fill your needs and their current market value. Look at several different dealerships’ websites to view their inventory and check their prices. When you’ve settled on a particular model or two, decide which feature package you want before a salesperson convinces you to need the premium package. Keep in mind that flexibility is critical. If you have a few color options in mind or are willing to consider two different model cars, you’ll have a better chance of finding a vehicle you like. ● You can order a car, but you’ll have to wait. Another option with fewer cars on dealers’ lots is to request a car customized to meet your needs. If you go this route, know that you’ll probably wait at least six weeks to get the car, or much longer if it’s a model in high demand. ● Look farther afield. If you’re having trouble finding a car locally, consider expanding your search geographically. Looking outside of your city will give you more options but remember; you may need to travel to see the car and take it for a test drive. ● Negotiate if you find a car you like. Budgeting, getting preapproved for financing, and researching ahead of time are all critical. Turnover on dealership lots is fast, and you must be ready to act. If you find a car you like and don’t buy it immediately, another shopper could swoop in before you make up your mind. ● Consider a used vehicle. Consider buying a used car if a new car doesn’t fit your budget. Certified pre-owned cars might be a good option since they have warranty coverage and other “like new” perks. However, be willing to pay a little more for this option. Whether you buy from a dealer or a private seller, always do plenty of research and inspect the car carefully before you seal the deal. ● Buy your lease. If you leased a car before all the supply disruptions started, chances are the end-of-lease purchase cost, set when you signed the contract, will be well below the current market price. If this is an opportunity open to you, take advantage! ● Be patient. Yes, it’s a competitive market, and you should be ready to pounce if you find a decent deal. Don’t let a sense of urgency or desperation cause you to accept a bad deal or fall for a scam. You may need to compromise to a degree, but never overlook your primary goal of buying a vehicle that serves your needs and will get you around for years to come. Show less 0 Comments Sort by
A podcast by BBB of the Tri-Counties
Romance scams are more common than ever. Even if you don't use dating apps, you might still be targeted by one. BBB Scam Tracker is getting reports from dating scam victims who were conned through social media. Get to know the signs, so you can spot a fake romance before getting in too deep.
How to Avoid Dating Scams:
● Know the signs of romance scams. Romance scams often start with someone who seems too perfect and immediately falls in love with you. They may be in a hurry to create a future together but hesitant to meet you in person. They'll probably tell you they are overseas or in the military. They often talk about the importance of trust to gain yours, and they may share sad stories to pull on your heartstrings before asking you for money. Any one of these tactics is a big red flag. If you notice similarities with someone who has messaged you on social media, think twice about your relationship.
● Never send money or personal information to someone you haven't met. Refrain from giving a stranger your credit card or bank account information. Don't wire money to or share the PIN of a gift card with someone you've never met. An online "friend" might not even really exist!
● Ask lots of questions. When you meet someone online, ask them specific questions about the details in their profile and pay close attention to their answers. If they lie, they likely won't be able to keep their story straight.
● Do some research. Do a reverse image lookup of a person's profile picture to see if it is being used elsewhere on the internet. Scammers often use the same stolen photos to create fake profiles. You can also search their name, email, and phone number to see if you find anything fishy.
For more information: Read BBB's tip on romance scams for more helpful advice. Get information on specific dating scams on the BBB Romance Scam page.
Also, be on the lookout for a similar scam involving wrong number text messages. If you spot a scam on social media, romance-related or otherwise, report it! By sharing your experience at BBB.org/ScamTracker, you can help us expose scammers’ tactics.
A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast. https://www.ayersrepairs.com
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A podcast by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-the-tri-counties
Welcome to this week’s edition of Your Moment of Trust. When it comes to New Year's resolutions, scammers know that losing weight and getting in shape is one of the most popular goals. This popularity has led to a slew of scams involving vitamins, supplements, and weight loss formulas, all claiming to offer rapid results. Not only are the products themselves questionable, but so are the business dealings of the companies peddling them.
To help avoid weight loss scams, BBB recommends the following:
● Always be wary of advertisements and customer endorsements promising "miracle" results or immediate weight loss. The Federal Trade Commission warns consumers that many shady weight loss products are accompanied by false promises. For example, if an ad says their product will make you lose weight "permanently," you're looking at a false promise.
● Don't be quick to trust endorsements. Many scammers use pictures of celebrities, TV show mentions, or well-known company logos to gain consumers' trust without their permission. Always research the company before doing business with them, no matter who supposedly endorses their product.
● Avoid products that claim to help lose weight without diet or exercise. Be especially skeptical of claims that you don't have to change your eating habits. Doctors, dieticians, and other experts agree that losing weight takes work and should be gradual. According to the Centers for Disease Control and Prevention, losing 1-2 pounds per week is a healthy goal and is more successful in achieving long-term weight loss. Pass up any product that promises miraculous, sudden results without any effort.
● Check a product's ingredients with the FDA. Be suspicious of taking special pills, powders, or herbs. Some products have been recalled for containing ingredients with potentially dangerous effects. Check the list of public notifications from the FDA regarding potentially harmful weight loss products. In Canada, check with Health Canada for guidelines.
● Be wary of a lack of an ingredients list. Some companies have been accused of not advertising certain ingredients that can come with harmful side effects or mix adversely with prescription drugs.
● Be wary of free trial offers, and before signing up, understand all the terms and conditions. These deals can become "subscription traps" that hook consumers into expensive shipments of products they did not agree to buy. Before clicking check out or purchase, make sure the cart only includes the items you wish to purchase and does not include signing up for a subscription unless this is an option you want. Be cautious of any contract that takes payment from your credit card until you cancel.
● When participating in online forums and chat rooms focused on weight loss and fitness topics, be wary of individuals pushing products they claim will help quickly reach goals.
● Be realistic about your fitness goals. It's hard work to lose weight. Find a program you can stick with, preferably one that you enjoy. Does a weight loss plan require special foods? Can you cancel if you move or find that the program doesn't meet your needs? If you need help, ask your doctor for suggestions.
● Research the company with BBB.org before purchasing. Read reviews about the company to see if there are any complaints alleging that it's a scam.
● Report the deceptive ads. Be suspicious of ridiculously positive testimonials on the company website. Testimonials have become an easy marketing tool and are easily faked. These are often accompanied by glorious before and after pictures.
Call your BBB to report suspicious, confusing, or misleading ads to BBB Ad Truth or report a scam with BBB Scam Tracker. Consumers can also report the ad to the Federal Trade Commission (FTC) by calling 877-FTC-Help. You can also report fake ads to the FBI's Internet Crime Complaint Center.
A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast!
A Podcast by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-the-tri-counties
Welcome to this week’s edition of Your Moment of Trust! Since the U.S. Supreme Court struck down a federal ban in 2018, sports gambling has exploded in popularity. According to the American Gaming Association, a record 46.6 million people planned to bet on the 2022-2023 NFL season. That’s nearly 18 percent of all American adults! If you’re planning on getting in on the action, first learn how you can maximize your fun and play responsibly.
BBB offers the following tips for responsible sports betting:
● Make sure sports betting is legal in your state. While the federal ban was struck down in 2018, not every state has decided to allow sports betting just yet. Do your research to determine if you can legally place a bet where you live.
● Understand gambling terminology. A basic wager in which you bet on who will win a game is called a money line bet, but there are many other terms you’ll need to get to know as well. Get familiar with point-spread, prop and futures bets and how each works. In addition, learn what terms like juice, parlay, total, and teaser mean before you start placing bets.
● Get familiar with sports statistics. It should go without saying, but don’t place a bet without researching. Use reputable sources to get statistical breakdowns on the teams and players on which you want to bet to ensure the odds are in your favor.
● Set limits for yourself. The International Center for Responsible Gaming (ICRG) recommends establishing what constitutes an acceptable loss before you start gambling. Knowing when to stop and only gamble with money you can afford to lose is critical. You may also want to set time limits for yourself regarding sports betting.
● Avoid high-risk betting. Don’t borrow money to gamble, and avoid gambling if you are emotionally distressed. Remember that gambling under the influence of alcohol is risky since your good judgment could be compromised.
● Only place bets with reputable bookmakers. Whether you’re placing a bet in-person or online, only use “white-listed” sports books that your local gaming commission approves.
● Be wary of paid handicappers. Sports handicappers may offer amazing odds thanks to “insider information,” but often, scams are behind theirtoo-good-to-be-true promises. Some handicappers offer money-back guarantees or free picks if you make a losing wager, but these are also signs of a scam.
● Watch out for scams. Handicappers aren’t the only source of scams regarding sports betting. Watch out for pop-up gambling ads, email spam, or text messages that take you to websites offering “risk-free” bets, exaggerated incentives, or deceptive bonuses. Bogus betting websites often use these tactics to draw in unsuspecting customers.
● Get help if you need it. If you suspect you or a loved one suffers from a gambling addiction, get help from the National Council on Problem Gambling. You can call their hotline or find other resources available in your state.
If you spot suspicious activity or dishonest business practices when placing sports bets, report your experience to BBB.org/ScamTracker. Your report can help others avoid falling victim to a scam.
A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast. https://www.ayersrepairs.com
A Podcast by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-... Welcome to this week’s edition of Your Moment of Trust. This year, United States taxpayers must file their income tax forms before the April 18, 2023 deadline. For many people, major life changes, business ownership, or simply a lack of knowledge about the ever-changing tax laws make finding a trustworthy tax preparer a good idea. That said, not all tax preparers have the same level of experience and training. Here are tips for finding someone you can trust with your finances and sensitive personal information. Advice from BBB of the Tri-Counties: How to choose the right tax preparer: When it comes to choosing the right kind of tax preparer for you personally, much will depend on the complexity of your tax situation.
After you’ve decided what qualifications your tax preparer needs, the following tips will help you choose someone who is trustworthy and competent:
● Review the tax preparer’s credentials. EAs, CPAs, and tax attorneys are all qualified to represent their clients to the IRS on all matters. Other preparers can help you with forms and basic matters but cannot represent you in case of an audit. Don’t be afraid to ask about these or other qualifications before you hire someone.
● Be wary of spectacular promises. If a tax preparer promises you larger refunds than the competition, this is a red flag. Many such tax preparers base their fees on the amount of your return and may be likely to use shady tax preparation tactics. In addition, it’s wise to avoid tax preparers who offer “refund anticipation loans” as you’ll probably lose a large percentage of your return to commission fees.
● Get referrals from friends and family. One of the best ways to find a trustworthy tax preparer is to ask your loved ones for recommendations. Once you have a few options, check BBB.org, paying careful attention to other consumers’ reviews or complaint details. This will give you a clear view of what you can expect.
● Think about availability. If the IRS finds errors in your tax forms or decides to perform an audit, will your tax preparer be available to help you with the details? Find out whether you can contact the tax preparer all year long or only during tax season.
● Ask about fees ahead of time. Before you agree to any services, read the contra cts carefully and understand how much the tax preparer charges for theirservices. Ask about extra fees for e-filing state, federal, and local returns, as well as fees for any unexpected complications.
● If things don’t add up, find someone else. If a tax preparer can’t verify their credentials, has a record of bad reviews from previous clients, or their business practices don’t seem convincing, don’t do business with them. Remember that if you hire them, this individual will handle your sensitive personal information – information you need to keep safe from corrupt or fraudulent tax preparers.
A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast!
A Podcast by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-...
Welcome to this week’s edition of Your Moment of Trust! If your goal is to lose weight, get in better shape, or improve your overall health, deciding to join a gym may be the first step. However, don't just sign up at the first gym you see or visit. Before signing on the dotted line, research all options first! Get the most from a gym membership by considering these tips from BBB:
● Determine your fitness goals. Determining your goals in advance will help you select a facility that is most appropriate for you. Consult with your physician before embarking on a new fitness regimen, especially if there are medical conditions that might be a concern.
● Figure out your priorities. What is most important to you? Will a convenient location and extended hours help you stick to your fitness plan? Will a variety of equipment or classes keep you motivated? Do you work out while traveling and prefer a chain with numerous outlets? Determine your top priorities before you start shopping around.
● Check BBB.org. Read what previous customers have to say, and see how the businesses respond to complaints. This information may help you narrow down the list of gyms you want to tour in person.
● Take a tour. Make sure the gym has the equipment, classes, and trainers you need or expect. Pay attention to things that are important to you, whether it’s the cleanliness of the showers or the availability of Wi-Fi. Ask questions and make sure you understand all the rules. Ask about busy times, wait times for equipment, whether classes require pre-registration, availability, and cost of trainers, etc. Ask how the gym staff is maintaining the cleanliness of the facilities.
● Ask questions about limited free trials. Gyms often give a one-week free pass for potential members; this is a great way to see if the gym is a good fit for you. Try the gym at different times to see how crowded it is and whether there is a wait for certain equipment. Check out classes if they are offered.
● Don’t feel coerced. Do not give in to high-pressure sales tactics to join right away. A reputable gym will give you enough time to read the contract thoroughly, tour the facilities, do some research, and make an informed decision.
● Calculate the true costs. Gyms often use special introductory offers to encourage new members, but the price could go up more than you budgeted once the initial period is over. Make sure you understand what the regular monthly fees will be and what they include.
● Understand the terms. Read the contract carefully before signing. Make sure that all verbal promises made by the salesperson are in writing. What matters is the contract and the terms within it, so don’t just take a salesperson’s word for it. What happens if you move or the gym goes out of business? Will the membership renew automatically at the end of the term? What is the cancellation policy and under what circumstances?
Go to BBB.org to look up a business, file a complaint, write a customer review, report a scam, and read additional tips.
A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast.
BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-...
Sponsored by Ayers Repairs in Santa Barbara: https://www.ayersrepairs.com
BBB recommends adding a few precautionary steps to the New Year's resolution list, along with the weight loss and financial goals, to help make the upcoming days and months fraud-free.
● I resolve to be cautious with email. Be wary of unsolicited emails from a person or a company. Remember, scammers can make emails look like they are from a legitimate business, government agency, or reputable organization (even BBB!). Never click on links or open attachments in unsolicited emails.
● I resolve to never send money to strangers. If you haven't met a person face-to-face, don't send them money. This is especially true if the person asks you to transfer funds using a pre-paid debit card or CashApp. Money sent to strangers in this way is untraceable and once it is sent, there's no getting it back. Scammers will try to trick you into panicking – so before making a move, think the situation through. Don’t fall for it!
● I resolve to do research before making online payments and purchases. When shopping online, or if asked to make a payment online, research the retailer before entering payment information. Ask: Is this a person or business I know and trust? Do they have a working customer service number? Where is the company physically located? Would I be making payments through a secure server (https://....com)? Have I checked to see if others have complained?
● I resolve to use my best judgment when sharing my personal information. Sharing sensitive personal information with scammers opens the door to identity theft. Never share financial information, birthdate, address, Social Security/Social Insurance number or Medicare number with an unsolicited caller.
● I resolve to be social media smart. Make use of privacy settings on social media and only connect with people you actually know. Be careful about including personal information in your profile and never reveal your address and other sensitive information – even in a “fun” quiz. Scammers may use this information to make themselves pass as a friend or a relative and earn your trust. Also, be careful when buying products you saw on social media. BBB Scam Tracker has received thousands of complaints about misleading Facebook and Instagram ads.
If you’ve been targeted by online scams, help others avoid the same problem by reporting your experience at BBB.org/ScamTracker.
A podcast by BBB of the Tri-Counties https://www.bbb.org/local-bbb/bbb-of-...
Sponsored by Ayers Automotive Repairs in Santa Barbara https://ayersrepairs.com
Everyone loves a good deal, and scammers know it. Counterfeit coupons are a popular way for scammers to steal your identity and money. Motives and methods vary, but phony coupons often mean serious losses for retailers, consumers, or both.
How the scam works:
You come across a website, either through a web search or an ad on social media, for coupons from major retailers. Usually, fake coupons are worth much more than real ones, offering steep discounts like 80% off. By using brands’ official logos, it's nearly impossible to tell if it’s fake or not. In some cases, getting the “coupons” requires subscribing to a coupon service and paying a monthly membership fee. Once you sign up, the service promises to either send you digital coupons or paper coupons in the mail. You may never receive any coupons, or you might receive coupons that are fake. Plus, by signing up, you’ve handed over your personal details and possibly your credit card information to a dishonest stranger. You may also come across coupons that offer deals in exchange for sharing a link on social media. Don’t do it! The link leads to a third-party website where visitors enter personal information in exchange for the coupon. In most cases, after signing up, you never receive any coupons. Instead, you’ve given your personal details to scammers.
How to avoid coupon scams:
● Don’t fall for deals that are too good to be true. Be skeptical. If a coupon is valued near or above the retail price of an item, consider it a red flag. ● Check the source of the coupon. If the coupon doesn’t come from a recognized coupon distributor, the manufacturer, or a specific store, be wary. If you aren’t sure about a coupon, visit the company’s website directly to look for the coupon on their official site or contact their customer service line to inquire.
● Think before you click on links in emails. If you receive a coupon via email, hover your mouse over the link without clicking on it to see where it will take you. If the URL looks like a random assortment of letters and numbers, or if it is a shortened link that doesn’t reveal where it’s taking you, don’t click it. Only visit official websites to avoid downloading malware onto your computer.
● Read coupons carefully. If a coupon doesn’t have an expiration date, if it looks photocopied, or if it contains spelling and grammar errors, you’re probably dealing with a fake.
● Don’t trade personal information for perks. A real business will not ask for your personal information, such as your credit card number or bank account information, in exchange for a coupon or to enter a giveaway. Promotional offers that ask for personal information are usually scams. You shouldn’t have to pay to receive a coupon either.
● Do a search for coupon scams. When in doubt, search the coupon offer along with the word “scam.” This will often bring up similar offers that are fake and can help you determine whether a coupon is real or not.
Find other general tips at BBB.org/AvoidScams. If you’ve spotted a coupon scam, report it. Share your experience at BBB.org/ScamTracker to help others recognize scams before it’s too late.
SPECIAL EDITION!! Richard Copelan, President of BBB of the Tri-Counties and Deputy District Attorney Vicki Johnson from the County of Santa Barbara join forces and interview each other! Vicki asks Richard about BBB's Scam Tracker: Richard informs us that the new and improved BBB Scam Tracker was recently rebuilt with the help of Capital One & Amazon and dexcribes how it can be used to search for scams and report them. Vicki asks how people can file business complaints: Richard invites listeners to file complaints at bbb.org Copelan describes how people can differentiate between outright scams (which usually involve nefarious activities) and complaints--which may involve the questionable practices of a legitimate business. If you have a complaint, you can report it at bbb.org. Or, if you live in the Southern CA Tri-Counties area and want some personal attention, you can call the BBB at 805-963-8657. When a consumer files a business complaint, the business in question has a chance to respond to the complaint. An investigation is launched and the results can result in a poor rating by the BBB. Vicki asks how business can beome BBB accredited: Businesses are thoroughly vetted before they can become accredited. They must have been in business for six months or more and be properly licensed. To find out if a business is BBB accredited, go to bbb.org Vicki asks if the BBB works with charities, in addition to businesses: Richard explains that there is a subdivision for charities called the Wise Giving Alliance. Richard asks about the GOOD NEWS that Vicki reports on at the end of Scam Squad episodes. Vicki reports on good news to remind listeners that sometimes justice prevails. She says that it's extremely important to report scams to the FBI, the FTC and local law enforcement. These organizations become a library of information on scams which may lead to the formation of a Task Force. The Task Force sometimes investigates scams that start in other countries such as Nigeria and India. They have had some success in prosecuting and shutting down large scam rings in foreign countries. They also go after money mules in the US who conspire with the foreign fraudsters. Richard asks Vicki about Romance Scams: Vicki says that the hardest part is convincing a person that they are being scammed. If your new online friend sends you a photo of himself or herself, do an online search to try and verify their identity. She reminds people that if they meet someone online it may be all well and good; however, the minute the person asks for money, cut off all contact because it's a scam. She also urges friends and family to be gentle and non judgemental; the victim of a romance scam is likely to experience embarassment and shame. Richard asks about Vicki's community outreach: Vicki and her colleagues give presentations to help people avoid scams at retirement homes, clubs and groups of all types. If you live in Santa Barbara County you can request a presentation by calling the Fraud Hotline at 805-568-2442. Richard asks Vicki about the legal process involved in reporting crimes and scams: Vicki says that you should make your initial complaint with your local police or sherriff's department. The Santa Barbara County DA's office also has a Civil Complaint Department. Richard and Vicki agree that by working together, they will be able to get more accomplished and that educating consumers is KEY! Show less 0 Comments
Brought to you by BBB of the Tri-Counties:
Welcome to this week’s edition of Your Moment of Trust! When the holiday season rolls around, many shoppers turn to online seller platforms to find unique, handmade gifts for their friends and family. Scammers have taken note, and according to recent BBB ScamTracker reports, they're targeting shoppers with a not-so-unique scam. These recent reports say that the scam is taking place on well-known and reputable websites, such as Etsy (a BBB Accredited Business). Scammers might use this same scam tactic on other platforms as well. How the scam works You're browsing online when you find a special gift or holiday decoration that you'd like to purchase. The photos seem professional, and everything looks normal… except for one thing. In the item description, you find a message from the seller advising you not to make the purchase through the online sales platform where you have discovered it. Instead, the seller encourages you to purchase the item directly from their independent website, promising you'll get a hefty discount if you do.
If you follow the link to a website outside the original sales platform and make a purchase, you'll likely be disappointed when your card is charged, but the product never arrives. Unfortunately, that's because the product probably never existed in the first place. Worse yet, if you have fallen for this type of scam, your payment information will now be in the hands of unscrupulous characters. One consumer reported this experience: "When I checked out the listing, there was a message that looks like this: 'DO NOT purchase from this store, visit our website to get 50% off.' I fell for it and purchased a pair of shoes. I received a confirmation email for my purchase with a tracking number. When nothing arrived, I sent multiple messages inquiring about my order and when I could expect shipment. I received no response. I went back to the website to input my tracking order, and the website was no longer available."
How to avoid online shopping scams
● Do business with reputable websites. In general, avoid going off-platform to buy from sellers that you discover online; it's much safer to purchase through reputable websites that help specialty sellers connect with buyers. Legitimate websites like Etsy have specific policies in place to protect sellers and buyers. For example, at Etsy, if an order isn't delivered, you can open a case with Etsy, and you may get your money back. If a seller asks you directly to shop outside of a website where they listed products, think twice. Etsy states: "To avoid scams and fraud, all transactions must take place on the Etsy platform, through the Etsy checkout system."
● Research the seller. Read customer reviews keeping an eye out for any reports of scams or dishonest behavior. If the seller doesn't have any reviews yet, do a general online search of the seller's name, the item, and the word "scam," just to be safe.
● Protect your personal information. When making purchases online, be careful with sensitive personal details, such as your name, address, and payment information. Read a website's privacy and security policies to find out how they use and protect your information (e.g., are they sharing it with third parties or using encryption?). Also, check the website's terms and conditions of sale, including specifics about issues such as delivery, refunds and restocking fees (which may be substantial). Decide whether you feel comfortable with these policies. If the website does not post easily accessible privacy and security policies and acceptable terms and conditions, consider it a red flag.
● Shop with a credit card. Whenever possible, use your credit card to make online purchase/s. It is easier to dispute fraudulent charges, and you have a better chance of getting your money back if something goes wrong. Demands to wire funds or use gift cards for payment are a major sign that you should just walk away. If you spot a scam while shopping online, report it at BBB.org/ScamTracker. Your report can help other consumers spot a scam before it's too late.
A BIG thank you to Ayers Automotive Repairs for sponsoring this podcast.
Brought to you by BBB of the Tri-Counties (https://www.bbb.org/local-bbb/bbb-of-...
) The Better Business Bureau® is partnering with Amazon to drive an education campaign aimed at helping consumers spot impersonation scams during this holiday season (BBB.org/ImpersonationScams). This scam tactic occurs when a scammer pretends to be a trustworthy organization or individual to steal a person's money or personal information. This co-branded campaign will run through the holiday season, when we typically see an increase in scam attempts with more people seeking to make purchases. Learn how to spot these types of scams in this special episode of Your Moment of Trust.
A BIG thank you to Ayers Automotive Repairs of the Tri-Counties for sponsoring this podcast.
A Podcast by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-...
Wireless technologies such as Bluetooth® and Wi-Fi have forever changed the way people not only interact with one another, but also how they complete day to day activities such as shopping, researching, banking, eating, and communicating. The more everyone is online, the more there are opportunities for hackers to get into personal accounts, steal information and drain checking or savings accounts before victims realize it. According to the Federal Communications Commission (FCC), securing today's online environment goes beyond thinking about the Wi-Fi router at home - and it all starts with a password. In this episode, BBB of the Tri-Counties shares how to choose and manage your passwords to be safe online. https://www.ayersrepairs.com
A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast.
A Warning from BBB of the Tri-Counties ( https://www.bbb.org/local-bbb/bbb-of-...
) Welcome to this week’s edition of Your Moment of Trust! Some consumers have recently been getting text messages stating a major delivery carrier needs them to"update delivery preferences" on a package by clicking on a link. The problem? The text is a scam, and the link results in the theft of personal information. Most consumers love the convenience of making purchases online and having them shipped straight to their doorstep. But with millions of packages delivered each year, con artists and thieves have developed many ways to steal from shoppers. Fortunately, there are also many ways to protect yourself from their shady tactics.
A Podcast by BBB of the Tri-Counties; https://www.bbb.org/local-bbb/bbb-of-the-tri-counties Advent calendars have become a fixture of the holiday season. Once a religious tradition for children, these calendars are now big business. They are targeted at all ages and contain anything from luxury beauty products to Lego sets to a variety of wines. With so many options, some costing hundreds of dollars, in this episode BBB gives tips on what you should know before purchasing one? A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast. https://www.ayersrepairs.com
BBB of the Tri-Counties podcast:
The BBB Institute for Marketplace Trust (BBB Institute) is partnering with Amazon and Capital One to help people learn about scams, report them, and avoid losing money and/or personal information by enhancing the capabilities of the BBB Scam Tracker online reporting tool. The new features make it easier for consumers to identify scams and report them while arming partners with more robust data on scammers to better protect consumers. A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast.
A Podcast by BBB of the Tri-Counties:
Fake gaming app ads have become rampant in recent years. They may feature videos that have little (or nothing) to do with the actual gameplay. Or make misleading claims like, "If you score 400, you can go to Disneyland." Game manufacturers run these ads because that's what gets clicks and downloads. But the practice has resulted in many frustrated gamers, who don't realize they were misled until after they d ownload the app, set up an account, and start playing. Until we have rules against these misleading ads, it's up to consumers themselves to evaluate whether they should trust an ad and download the promoted game.
This episode details how you can spot fake gaming ads and apps. It's important to do your homework before downloading them. A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast. https://ayersrepairs.com/
A Podcast by BBB of the Tri-Counties:
Fake gaming app ads have become rampant in recent years. They may feature videos that have little (or nothing) to do with the actual gameplay. Or make misleading claims like, "If you score 400, you can go to Disneyland." Game manufacturers run these ads because that's what gets clicks and downloads. But the practice has resulted in many frustrated gamers, who don't realize they were misled until after they d ownload the app, set up an account, and start playing. Until we have rules against these misleading ads, it's up to consumers themselves to evaluate whether they should trust an ad and download the promoted game.
This episode details how you can spot fake gaming ads and apps. It's important to do your homework before downloading them. A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast. https://ayersrepairs.com/
BBB of the Tri-Counties Podcast, Your Moment of Trust: Welcome to this week’s edition of Your Moment of Trust! The 2022 holiday shopping season promises to be an unpredictable one. High inflation rates and increased prices of consumer goods are already throwing a wrench into holiday shopping. Electronics, toys, and other products will be (or already are) in short supply, and retailers are struggling to staff up as the shopping season nears. Just like in 2021, people are planning to start their holiday shopping early. Watch out for deals well before Black Friday sales. Retailers are also expecting to see even more people shopping online. Product shortages and increased online shopping are likely to result in even more online purchase scams this year. These scams accounted for nearly 40% of all scams reported to BBB Scam Tracker in 2021, according to the 2021 BBB Scam Tracker Risk Report. Shortages are likely to make purchase scams even more common as desperate shoppers turn to shadywebsites in hopes of finding this year’s must-have gift. In this episode, BBB recommends the following tips to “Shop Safe, Shop Smart” this holiday season: A BIG thank you to Ayers Automotive Repair in Santa Barbara for Sponsoring this Podcast.
BBB of the Tri-Counties Podcast, Your Moment of Trust: Welcome to this week’s edition of Your Moment of Trust! The 2022 holiday shopping season promises to be an unpredictable one. High inflation rates and increased prices of consumer goods are already throwing a wrench into holiday shopping. Electronics, toys, and other products will be (or already are) in short supply, and retailers are struggling to staff up as the shopping season nears. Just like in 2021, people are planning to start their holiday shopping early. Watch out for deals well before Black Friday sales. Retailers are also expecting to see even more people shopping online. Product shortages and increased online shopping are likely to result in even more online purchase scams this year. These scams accounted for nearly 40% of all scams reported to BBB Scam Tracker in 2021, according to the 2021 BBB Scam Tracker Risk Report. Shortages are likely to make purchase scams even more common as desperate shoppers turn to shadywebsites in hopes of finding this year’s must-have gift. In this episode, BBB recommends the following tips to “Shop Safe, Shop Smart” this holiday season: A BIG thank you to Ayers Automotive Repair in Santa Barbara for Sponsoring this Podcast.
A Podcast by Better Business Bureau of the Tri-Counties: Consumers are gearing up to celebrate Halloween. The National Retail Federation expects people will spend $10.6 billion, up from $10.1 billion in 2021. Among Halloween celebrants, 67 percent plan to buy candy, 51 percent plan to purchase decorations, and 47 percent will get costumes. Those numbers can seem daunting for a single day, especially when watching thefamily budget. However, there are ways to keep the fun stylish and on budget.
In this episode, Better Business Bureau recommends tips to celebrate Halloween on a Budget!
A BIG thank you to Ayers Automotive Repair in Santa Barbara, for sponsoring this podcast!
This episode by BBB of the Tri-Counties reports about various scam types perpetrated online So far in 2022, scams perpetrated online are more prevalent (55%) than other delivery methods, with a higher percentage of people losing money when targeted (75%). When breaking out scams perpetrated via phone with a monetary loss, scams perpetrated via text message rose from 11% in 2015 to 30% in 2022. Scams perpetrated via text had a median dollar loss of $800 in 2022, higher than other reported means of contact. Text messaging was the most reported offline method used to push people online. “Carrots” appear to be riskier than “sticks,” according to our survey research. About 70% of respondents said they continued the online engagement because they hoped to gain something, sell something, or were curious to learn more. That’s compared to 30% who continued the engagement because they feared they’d lose something, were threatened, or thought there was an urgent situation they needed to address. The scam type with a monetary loss most often reported beginning online was online purchase scams (89%), followed by cryptocurrency scams (87%), romance scams (85%), investment scams (73%), employment scams (68%), and government grant scams (64%). The #1 place people reported being targeted by a scam was while browsing social media (25%), followed by online shopping (24%), email (14%), search engines (10%), and job search (7%).
A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring Your Moment of Trust.
This episode by BBB of the Tri-Counties reports about various scam types perpetrated online So far in 2022, scams perpetrated online are more prevalent (55%) than other delivery methods, with a higher percentage of people losing money when targeted (75%). When breaking out scams perpetrated via phone with a monetary loss, scams perpetrated via text message rose from 11% in 2015 to 30% in 2022. Scams perpetrated via text had a median dollar loss of $800 in 2022, higher than other reported means of contact. Text messaging was the most reported offline method used to push people online. “Carrots” appear to be riskier than “sticks,” according to our survey research. About 70% of respondents said they continued the online engagement because they hoped to gain something, sell something, or were curious to learn more. That’s compared to 30% who continued the engagement because they feared they’d lose something, were threatened, or thought there was an urgent situation they needed to address. The scam type with a monetary loss most often reported beginning online was online purchase scams (89%), followed by cryptocurrency scams (87%), romance scams (85%), investment scams (73%), employment scams (68%), and government grant scams (64%). The #1 place people reported being targeted by a scam was while browsing social media (25%), followed by online shopping (24%), email (14%), search engines (10%), and job search (7%).
A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring Your Moment of Trust.
A Podcast by BBB of the Tri-Counties
New technology makes it nearly impossible to tell fake video or audio clips from real ones. Now, as the software used to create these “deepfakes” becomes more widespread, scammers are using it to steal money and sensitive information.
What is a deepfake?
Deepfakes use artificial intelligence technology to create a seemingly real video or audio clip that mimics a person’s face, voice, or both. This kind of synthetic content is often used to spread misinformation by impersonating politicians and celebrities on social media. However, that’s not the only use. Scammers are currently using deepfakes of corporate executives to steal from large companies. As the technology improves and becomes easier to use, we’ll likely see scammers using deepfakes to target individuals and smallbusinesses too.
BBB recommends the following tips to protect yourself:
● Take a closer look at that video. Poor quality deepfakes are easy to identify. Look for isolated blurry spots in the video, double edges to the face, changes in video quality during the video, unnatural blinking or no blinking, and changes in the background or lighting. If you notice any of these telltale signs, you’re probably looking at a deepfake video.
● Listen closely to the audio. Fake audio might include choppy sentences, unnatural or out-of-place inflection, odd phrasing, or background sounds that don’t match the speaker’s location. These are all signs of fake audio.
● Don’t believe everything you see online. Scammers count on you to take them at their word without verifying their identity. Always use a healthy dose of skepticism when contacted by a person or company if you can’t validate who they really are. Be wary of videos featuring celebrities or politicians that are especially divisive or scandalous.
● Make sure you know who you are talking to. As deepfake technology progresses, you’ll need to confirm the identity of who you are speaking with – even if you think you know and trust them. You might not send money to a stranger who calls you out of the blue, but if scammers start using deepfakes to impersonate your loved ones, falling victim could be easier. Pay attention if a friend or family member makes an out-of- character request and confirm their identity before sending money or giving up sensitive personal information.
● Be careful what you post online. The only way a scammer can make a deepfake video of you is if they have access to a selection of photos and videos featuring your face. Stay alert to the possibility of impersonation. Make sure your family knows about deepfakes, and use caution when posting things publicly.
● Don’t make financial decisions based on viral videos. If a celebrity insists you invest in bitcoin or donate funds to a specific charity in a viral video, do some research before you send money. Scammers would love to get their hands on your money by impersonating someone you trust.
● Don’t assume an online person is the real deal. Whether you are hiring a new employee or contacting an outside vendor, don’t assume someone exists just because they have video, photos, or audio on their online profiles.
● Protect your business accounts. Use multi-factor authentication on all systems to prevent scammers from using a deepfake to hack your account and impersonate you.
● Train your employees to recognize deepfakes. Ensure your employees know what to look for, especially if they are in charge of your business’s finances or assets.
● Be cautious when sharing information digitally. Don’t give in to urgent requests. Even if someone is threatening immediate action against you or your business, take the time to verify their identity.
A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast.
A Podcast by BBB of the Tri-Counties
New technology makes it nearly impossible to tell fake video or audio clips from real ones. Now, as the software used to create these “deepfakes” becomes more widespread, scammers are using it to steal money and sensitive information.
What is a deepfake?
Deepfakes use artificial intelligence technology to create a seemingly real video or audio clip that mimics a person’s face, voice, or both. This kind of synthetic content is often used to spread misinformation by impersonating politicians and celebrities on social media. However, that’s not the only use. Scammers are currently using deepfakes of corporate executives to steal from large companies. As the technology improves and becomes easier to use, we’ll likely see scammers using deepfakes to target individuals and smallbusinesses too.
BBB recommends the following tips to protect yourself:
● Take a closer look at that video. Poor quality deepfakes are easy to identify. Look for isolated blurry spots in the video, double edges to the face, changes in video quality during the video, unnatural blinking or no blinking, and changes in the background or lighting. If you notice any of these telltale signs, you’re probably looking at a deepfake video.
● Listen closely to the audio. Fake audio might include choppy sentences, unnatural or out-of-place inflection, odd phrasing, or background sounds that don’t match the speaker’s location. These are all signs of fake audio.
● Don’t believe everything you see online. Scammers count on you to take them at their word without verifying their identity. Always use a healthy dose of skepticism when contacted by a person or company if you can’t validate who they really are. Be wary of videos featuring celebrities or politicians that are especially divisive or scandalous.
● Make sure you know who you are talking to. As deepfake technology progresses, you’ll need to confirm the identity of who you are speaking with – even if you think you know and trust them. You might not send money to a stranger who calls you out of the blue, but if scammers start using deepfakes to impersonate your loved ones, falling victim could be easier. Pay attention if a friend or family member makes an out-of- character request and confirm their identity before sending money or giving up sensitive personal information.
● Be careful what you post online. The only way a scammer can make a deepfake video of you is if they have access to a selection of photos and videos featuring your face. Stay alert to the possibility of impersonation. Make sure your family knows about deepfakes, and use caution when posting things publicly.
● Don’t make financial decisions based on viral videos. If a celebrity insists you invest in bitcoin or donate funds to a specific charity in a viral video, do some research before you send money. Scammers would love to get their hands on your money by impersonating someone you trust.
● Don’t assume an online person is the real deal. Whether you are hiring a new employee or contacting an outside vendor, don’t assume someone exists just because they have video, photos, or audio on their online profiles.
● Protect your business accounts. Use multi-factor authentication on all systems to prevent scammers from using a deepfake to hack your account and impersonate you.
● Train your employees to recognize deepfakes. Ensure your employees know what to look for, especially if they are in charge of your business’s finances or assets.
● Be cautious when sharing information digitally. Don’t give in to urgent requests. Even if someone is threatening immediate action against you or your business, take the time to verify their identity.
A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast.
Brought to you by BBB of the Tri-Counties:
Welcome to this week’s edition of Your Moment of Trust. If you want solar panels, be very careful when evaluating installation offers. Con artists use misleading sales tactics and outright lies to trick homeowners out of money and personal information. If you've received an offer for "free solar panels," it's likely a scam. In this episode, you'll learn what you should watch out for. A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast.
Brought to you by BBB of the Tri-Counties:
Welcome to this week’s edition of Your Moment of Trust. If you want solar panels, be very careful when evaluating installation offers. Con artists use misleading sales tactics and outright lies to trick homeowners out of money and personal information. If you've received an offer for "free solar panels," it's likely a scam. In this episode, you'll learn what you should watch out for. A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast.
Brought to you by BBB of the Tri-Counties: Welcome to this week’s Your Moment of Trust! Even before the pandemic, the United States had a shortage of qualified contractors. Canada also faced a similar situation. However, the COVID-19 pandemic and supply chain issues have made hiring for home remodel and repair projects even harder - and it's likely to get worse. What's a homeowner to do? In this episode, BBB shares tips to help you find a contractor for your home improvement project. A BIG thank you to Ayers Automotive Repair in Santa Barbara, CA for sponsoring this podcast.
Brought to you by BBB of the Tri-Counties: Welcome to this week’s Your Moment of Trust! Even before the pandemic, the United States had a shortage of qualified contractors. Canada also faced a similar situation. However, the COVID-19 pandemic and supply chain issues have made hiring for home remodel and repair projects even harder - and it's likely to get worse. What's a homeowner to do? In this episode, BBB shares tips to help you find a contractor for your home improvement project. A BIG thank you to Ayers Automotive Repair in Santa Barbara, CA for sponsoring this podcast.
A Warning from BBB of the Tri-Counties:
Cannabidiol (CBD), an active ingredient of cannabis, is now legal in many US states and Canadian provinces. If youwant to try it, watch out for scams. BBB Scam Tracker received dozens of reports from frustrated consumers who thought they bought discounted CBD online but ended up with hundreds of dollars in credit card charges. Don't miss this important episode!
A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast.
Older adults are often targeted by con artists. Many victims don’t ask for help until it is too late! Help your friends, family, clients, or patients avoid fraud by knowing the signs of current or impending fraud. Brought to you by BBB of the Tri-Counties and sponsored by Ayers Automotive Repair.
From BBB of the Tri-Counties: While Covid-19 attendance restrictions have been lifted, schools are still streaming games. Unfortunately, the scammers have followed. The scammers’ goal is to capture personal information, including credit card and Social Security numbers, as fans log in to watch their team play.
How the scam works:
You want to watch the local high school's football game, or your niece's travel softball team is playing in a tournament out of state. You search on social media to find a link where the game might be streamed, and sure enough, a fan has put in a link where you can go to watch for free! It's almost time for the game to start, so you eagerly click the link. The next screen asks you to sign up for the streaming service, so you enter your name and email... and then you get asked for a credit card number and potentially more sensitive information. Are you seeing red flags yet? These scammers infiltrate social media with links to fake streams. The posts often will tag the schools which are involved in order to make the post appear legitimate. The scammers hope the would-be viewer inputs their information and pays to watch the event. The consumer doesn’t get to watch the game because the scammer has not set up a stream. Instead, whatever data they entered may be compromised.
As a new school year begins, Better Business Bureau® (BBB®) reminds consumers to do their research when looking to watch a high school sporting event online.
A BIG thank you to Ayers Automotive Repair for sponsoring this podcast.
Tips to Keep Kids Safe from BBB of the Tri-Counties: As your children head back to school this year, buying new supplies and clothes is not enough. In this podcast the BBB gives tips on how to help them stay safe online and avoid being easy targets for online scammers. A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast.
BBB of the Tri-Counties reminds us that owning a pet can bring your family much joy, but taking care of a dog, cat, or other animal comes with significantcosts too. Unfortunately, this year, many pet owners have found themselves in a heartbreaking situation, forced to give up their pets for financial reasons. If you are thinking about taking home an adorable furry friend, it’s wise to check your budget first. According to the American Kennel Club, dog owners can expect to spend about $15,000 over the lifetime of their pet. In this episode, you'll hear about the costs that you should consider before getting a new dog, cat, bird, or other pet. A BIG thank you to Ayers Automotive Repairs in Santa Barbara, for sposoring this podcast.
Electric bicycles— or e-bikes –allow riders to go farther and faster than a standard bicycle. Riding an e-bike instead of driving a car can help you lower your carbon footprint, save on gas money, and stay active. E-bikes come in many models and price ranges, so finding the right one for your needs requires research. BBB recommends the tips in this episode to help you pick the right e-bike.
https://www.bbb.org/local-bbb/bbb-of-the-tri-counties
A Big Thank you to Ayers Automotive Repair in Santa Barbara for Sponsoring this Podcast!
Airline travel is back in full swing, but scammers are taking advantage of increased flight cancellations with a new con. BBB Scam Tracker has received multiple reports of scammers creating fake airline ticket booking sites or customer service numbers to charge travelers for rescheduling fake flights. If you are buying airfare, use caution and double-check the URL or phone number before providing your credit t information. https://www.bbb.org/local-bbb/bbb-of-the-tri-counties
A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast.
If your driveway needs paving or repairs, don’t trust just anyone to do the job. BBB Scam Tracker has numerous reports of unscrupulous contractors who trick homeowners with supposedly good deals. Homeowners end up with shoddy pavement -- or nothing at all -- to show for what they paid and, in some cases, have lost over $8,000 in the process. In this episode you'll learn how the scam works and how to avoid it. A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast!
Online shopping is growing, which means online returns are increasing, too. However, policies and processes vary from store to store. Figuring out how to get your item back to the seller and your refund in the bank isn’t always easy. To make the process as smooth as possible, BBB recommends tips for returning online merchandise. A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast.
With the rising prices of gas and seemingly everything else, restaurants, travel companies, rideshares, and other businesses are tacking on new fees to the basic costs of their services. Businesses are feeling inflation impacts just as the rest of us are, and some are adding fees to help them survive. Consumers should be aware of what fees businesses are adding, so they can make informed decisions on where to spend their money. These hidden fees might not be evident at first glance, so if you want to avoid paying them, or at the very least plan for them in your budget, there are a few things you should do. BBB recommends the following tips to help you spot fees and avoid them when possible.
A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting Your Moment of Trust.
Buying and selling a home is a major decision, so be sure to choose a real estate agent who will guide you through the process. Look for an agent or broker who is experienced, knowledgeable about your housing market, and always acts in your best interest. Listen to the tips in this episode as a guide.
A BIG thank you to Ayers Automotive Repairs for sponsoring this podcast.
Welcome to this week’s edition of Your Moment of Trust! Inflation is higher than it has been since the 1980s in both the United States and Canada. With prices rising on everything from gas to groceries to housing costs, how can you buy what you need and still stay on budget?
Inflation is impacting every household. The same amount of money buys less than it did just months ago, so paychecks don’t go as far. When price hikes hit people who already have limited budgets, covering basic monthly expenses becomes difficult. Parents may find themselves having to choose between healthy meals and cheaper, less nutritious options.
Young people must decide whether to put gas in their tanks or pay tuition. All income levels are showing signs of financial stress. Even high earners are cutting back. In this podcast BBB of the Tri-Counties gives tips for dealing with higher prices.
A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast.
From the BBB of the Tri-Counties: Scammers are taking advantage of new deepfake technology to create videos so convincing that people hand over their money. This latest con looks like business magnate Elon Musk endorsing an investment plan, but the video is fake, and the investment is a scam. A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring Your Moment of Trust.
Welcome to this week’s edition of Your Moment of Trust from BBB of the Tri-Counties: If you’ve ever needed extra cash to tide you over to your next paycheck, you understand the appeal of a payday loan. Now, video ads on places like TikTok are promoting small, short-term loans to a new, young audience – and making them seem cheap and easy. However, just because it looks simple, doesn’t mean it is. Predatory payday lenders are using the platform to make dishonest claims promising instant cash with no credit checks, late fees, or interest rates. Many times, the advertisers are getting around the rules of the platform. TikTok and Meta have rules restricting ads for short term/payday loans, but some have found their way through. In this podcast you'll learn what you should know before taking out a payday loan from a social media ad.
A BIG THANK YOU to Ayers Automotive Repairs in Santa Barbara, for sponsoring this podcast!
June is National Homeownership Month, an opportunity for U.S. residents to reflect on the importance of the home and its role in their lives. With a median asking price of $225,500 for a home, becoming a homeowner takes dedication, patience and smart budgeting. For many first-time homebuyers, closing the deal on their purchase is a time of celebration and gratitude. While moving furniture and solidifying paperwork might seem like the biggest obstacle to enjoying their new home, it doesn’t take long before they find their first major home improvement project. In this episode, hear tips from BBB of the Tri-Counties on how to avoid home improvement scams.
A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast!
People from all walks of life who set financial goals - and reach them - generally have one thing in common: a budget. According to this recent study, people are budgeting more than ever before. Budgeting is a practical way to stay in charge of your money - even when life gets unpredictable. Having a budget means knowing exactly how much is coming in and going out each month and planning where and when to spend. Plus, budgeting is essential if you want to pay off debt.
Regardless of what motivates you to budget, BBB has tips and tools to help you get on the right track to a better financial future.
A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast!
This year’s housing market is competitive. Prices are up, and houses are selling fast. If you are looking to buy a new home, you need to be prepared. Prospective buyers can make their offer more competitive by getting preapproved for financing before even bidding on a house. This lets sellers know that a buyer is serious and provides reassurance that the sale will close without issues. That means many prospective home buyers are shopping for a mortgage lender before finding the right home.
To get the best deal, be sure to compare all the costs and understand how mortgages work. Fortunately, shopping around, comparing prices, and negotiating deals can save you thousands of dollars. Whether you are buying a home, refinancing your home, or taking out a home equity loan, in this episode, you'll hear tips to help make your search for a mortgage lender a success.
Brought to you by BBB of the Tri-Counties and sponsored by Ayers Automotive Repair in Santa Barbara.
Welcome to this week’s edition of Your Moment of Trust! Shortages in the supply of baby formula are leading new moms to find other ways of finding the much-needed item--and risking themselves to potential online scams. The U.S. Food and Drug Administration announced it is taking proactive measures to increase supply to help ease the shortage. According to the 2021 BBB Scam Tracker Risk Report, online shopping scams are the riskiest. With the current supply issues on many items, including formula, scammers are watching. How it works: An ad, post, or social media group posts they have baby formula available. The buyer contacts the seller via chat or direct message, showing photos of the cans available. The buyer makes a payment through a peer-to-peer platform such as PayPal (a BBB Accredited Business) or Venmo (a BBB Accredited Business), but the formula never arrives. Signs of a potential online purchase scam include: ● Positive reviews on the website that have been copied from honest sites or created by scammers. Be aware, some review websites claim to be independent but are funded by scammers. Check BBB.org. ● No indication of a brick-and-mortar address or the address shows on a Google map as a parking lot, residence, or unrelated business than what is listed on the website. ● Misspellings, grammatical errors, or other descriptive language that is inconsistent with the product. ● The seller advertises on a social media site and is communicative until the payment is made. Once the payment clears, they are unreachable. Check out the website before making a purchase: ● Visit BBB.org to check a business’s rating and BBB accreditation status. Impostors have been known to copy the BBB seal. If it is real, clicking on the seal will lead to the company’s BBB profile on BBB.org - check the domain of the URL. ● Conduct an internet search with the company name and the word “scam.” This may locate other complaints about the site. ● Make a note of the website where the order is placed. Take a screenshot of the item ordered, in case the website disappears, or a different item is received in the mail than what was advertised. ● Credit cards often provide more protection against fraud than other payment methods. ● Think before you click. Be especially cautious about email solicitations and online ads on social media sites. Report suspected online shopping fraud to: ● Better Business Bureau - file a complaint at BBB.org or report a scam at BBB.org/scamtracker. ● Federal Trade Commission (FTC) - file a complaint at reportfraud.ftc.gov or call 877-FTC-Help. ● National Intellectual Property Rights Coordination Center - report intellectual property and counterfeiting violations to iprcenter.gov/referral/view. ● Internet Crime Complaint enter (IC3) - file a complaint at ic3.gov/complaint. ● Canadian Anti-Fraud Centre - file a report at antifraudcentre-centreantifraude.ca or call 1-888-495-8501. ● Facebook – report ads that violate Facebooks policies by clicking the *** next to an ad to go to facebook.com/business/help. ● Instagram - report copyright infringement or other policy violations at help.instagram.com. ● Amazon – report suspicious activities and webpages at Amazon.com. ● Google – report scams at Google.com. ● PayPal - call (888) 221-1161 to speak with a live person instead of using an automated system if you receive an item that is not as advertised. ● Credit card company - Call the phone number on the back of the credit card to report the fraud and request a refund.
Securing today's online environment goes beyond thinking about the Wi-Fi router at home - and it all starts with a password. Passwords should be different for every account that lives online, is in the cloud, or is attached to something that retains personal or financial information. Think about the last time any of your online account passwords were changed. If they are all the same or a similar variation of the same password, if they are too easy to guess, or if they are forgotten or compromised - change them. According to the Federal Trade Commission, people don’t need to change their passwords as often as they may think; however, it's good practice make certain the password is as secure as possible.
Be sure to listen to this episode for password tips!
A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast.
From BBB of the Tri-Counties: Asbestos fibers can cause serious health problems when inhaled. Even brief exposure has been known to cause me sothelioma. Ifyou live in an older home, you could be at risk. Asbestos repair or removal may be
necessary to protect you and your family’s health. Here’s what you need to know should you suspect your home has an asbestos problem.
A BIG thank you to Ayers Automotive Repair for sponsoring Your Moment of Trust
Your Moment of Trust, from BBB of the Tri-Counties: Using green cleaning products in your home can reduce toxins, such as volatile organic compounds that are bad for your health and the environment. Green cleaners are more popular than ever, which means shoppers have plenty of choices. But navigating the seals, certifications, and marketing claims can be confusing. Here are tips for choosing cleaning products that are effective and safe for you and the environment. A BIG thank you Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast.
In the past few weeks, BBB Scam Tracker has received numerous reports of a text message scam that attempts to trick people with the promise of a “free gift.” How the scam works: You receive a text message that says something like this: “Your bill is paid for March. Thanks, here’s a little gift for you.” This message is followed by a link to an unfamiliar website. The text doesn’t specify what bill you paid, what company the message is coming from, or what the total amount was. Even more disturbing, the message may be a group text sent to a dozen or more other people, none of whom are in your contacts list. The text isn’t from a real company. The goal is to get your personal information, which puts you at risk for identity theft. In some versions of the scam, you may be directed to a website asking you to “confirm your identity,” so you can receive the gift. Scammers may also ask for your credit card information, claiming you need to pay a few dollars to ship the “free” gift. A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast.
Gardening season is finally here! You may be envisioning all the herbs, flowers, and vegetables you’ll harvest at the end of the season. But you’ll need to put in hard work – not to mention money – to make your dream garden a reality. In this episode, BBB of the Tri-Counties gives tips to make a success of your garden and stay on budget. A BIG thank you Ayers Automotive Repairs in Santa Barbara, for sponsoring this podcast!
Do-it-yourself is an attractive way to save money on home improvement projects. Home centers stay busy each spring with people looking to improve their home and yard. Whether you are remodeling your home, making needed repairs, or sprucing things up to put your house on the market, the following tips will help make your next home improvement project a success. This podcast is brought to you by BBB of the Tri-Counties and sponsored by Ayers Automotive Repairs in Santa Barbara.
Scam websites often have very similar URLs and can look nearly identical to the real website. Watch out for red flags before entering your personal or payment information. Scammers are always creating new and improved lookalike websites to trick you out of your personal information and money. These websites may have a very similar URL or look nearly identical to the real website you are searching for, which means they can be hard to identify. Examples of this kind of scam include fake streaming service activation prompts, DMV impostors and fake postal service websites. Even BBB.org has been impostored, when scammers have tried to look like BBB to collect information fraudulently. Protect yourself with tips to help you spot fake websites set up by scammers. A BIG thank you Ayers Automotive Repairs of Santa Barbara for sponsoring this podcast.
In this episode BBB of the Tri-Counties gives advice for evaluating trade in offers and finding the best deal for your old phone. If you are shopping for a new cell phone, trading it in with your carrier is an easy and enticing option. You get rid of your old phone and receive a significant discount on the latest model. Sounds like a perfect solution! But carrier trade-ins aren’t your only option for getting value out of your old phone. There are many ways to get cash or gift cards for your much-loved old smartphone..as you'll hear in this episode. A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring Yout Moment of Trust.
If you recently purchased a new home, you’ve no doubt found that all that extra space requires upkeep and maintenance. BBB recommends the following tips to help you care for your new home, hire contractors, and avoid getting scammed in the process. A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring Your Moment of Trust.
Grocery aisles have gaping empty sections, and shoppers can never predict what’s going to be unavailable. New car dealerships struggle to fill their empty lots. People building homes report long waits for critical materials like windows and doors. Almost every industry has shortages and delays that all boil down to supply chain issues. Consumers and business owners are frustrated and confused. COVID-19 infection rates are declining, and restrictions have eased in most parts of America. Shouldn’t things be getting better by now? In this episode, BBB provides information on why supply chain disruptions are still ongoing and gives tips on how businesses and consumers can combat it. A BIg thank you to Ayers Automotive Repair in Santa Barbara for sponsoring Your Moment of Trust.
When shopping for a team jersey or other sports memorabilia, watch out for fakes. Scammers know that authentic game-used and/or autographed items can fetch big bucks – especially for items commemorating big games. When shopping online, it can be hard to trust that a seller or product is genuine. In this episode, BBB of the Tri-Counties gives tips for buying sports memorabilia. A BIG thank you to Ayers Automotive repairs in Santa Barbara for sponsoring this podcast.
Sometimes you need extra cash to tide you over to payday. Several apps are eager to provide that service, marketing themselves as an easy, no-interest way to get a small loan. However, not all cash advance apps were created equal. Before signing up for one, research it first and watch out for hidden fees and other pitfalls. A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast.
Scams are designed to either steal your money, or steal your identity in order to steal your money later. Scammers have all kinds of techniques to collect personally identifiable information. Once they have it, they can effectively become you, using your identity to open accounts, file taxes, or obtain medical coverage. Don't miss this important episode so you'll know the steps to take to protect your identity! A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast.
Better Business Bureau is ringing in 2022 with tips to help people avoid falling prey to overstated weight loss
advertisements and scams. The desire to get in shape or lose weight fast creates a risk of being deceived by products that do not work as advertised, come with a host of
unwanted side effects, or cause weight gain instead. A BIG thank you to BBB of the Tri-Counties for sponsoring Your Moment of Trust, with advice and tips from BBB of the Tri-Counties.
Stores are not legally required to accept exchanges or give refunds, unless the merchandise was defective or misrepresented. While most retailers do offer refund and exchange programs, policies vary greatly from one store to another. Fortunately for shoppers, one positive outcome of the COVID-19 pandemic is that many retailers have become more lenient in their return policies. But be sure to double check policies this holiday season, even if you are familiar with the brand, as stores can change their policies whenever they want.
BBB of the Tri-Counties warns us about potential fraud related to the COVID-19 antibody tests. Scammers are selling unapproved tests, which can give inaccurate results. In doing so, they are also collecting personal information, such as Social Security numbers and dates of birth. They may also be stealing health insurance or Medicare information that can be used in future schemes. Learn how the scam works so you don't fall for it!
The start of a new year is a great time to clean out your home and organize your living spaces. But what should you do with the gently used clothing, furniture, home items, or electronics that you aren’t using anymore? Fortunately, online marketplaces, such as Craigslist, Facebook Marketplace, Ebay and Poshmark, make it easy to sell without even leaving your home. That said, there are a few perils to selling used items online. In this episode of Your Moment of Trust, BBB of the Tri-Counties provides tips to help you avoid the dangers and to successfully make sales. A BIG thank you to Ayers Repairs in Santa Barbara for sponsoring this podcast.
After purchasing a subscription to a streaming service, you need to activate it and log in. If you're not careful, you might click on a phony website that looks similar to the legitimate site--set up by crooks to steal your personal information and login credentials. Here are tips to help you spot the phony website! A BIG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring the BBB of the Tri-Counties podcast, Your Moment of Trust.
With the recent tornadoes in Kentucky and other states, many people are eager to help. Oftentimes, the best way to help is to give a cash donation so that the money goes where it's needed the most. Instead of clicking on solicitations from texts or social media posts, consider making donations directly on a charity's website. You can verify that a charity meets the BBB standards of accountability at Give.org. The information in this podcast is brought to you by BBB of the Tri-Counties. A BIG thank you to Ayers Automotive Repairs in Santa Barbara for their sponsorship.
A shift toward online shopping during COVID-19, a global supply chain crisis, and a resurging economy have all created a recipe for a breakneck holiday shopping season – one where online shopping fraud poses a tremendous risk to consumers. Online purchase scams have skyrocketed during the pandemic, and social media ads play a key role in the mushrooming problem, a new Better Business Bureau® (BBB ®) study finds. Subscribe to Your Moment of Trust, a podcast by Better Business Bureau of the Tri-Counties, sponsored by Ayers Automotive Repairs in Santa Barbara.
Collecting sports memorabilia has been an American pastime for nearly a century. Devoted fans seek out souvenir items such as jerseys, equipment, cards, or other items that have direct connections to famous players or historic games. Collectors’ enthusiasm and willingness to spend are higher than ever - and scammers have noticed. Legal cases in recent years have shed light on a widespread fraud problem threatening the sports memorabilia trade. Since many items are now sold online, it can be harder than ever to trust that a seller or product is genuine. If you’re a collector, or are considering purchasing sport’s memorabilia, don’t miss this important episode! Subscribe today to this podcast, brought to you by BBB of the Tri-Counties. A BiG thank you to Ayers Automotive Repairs in Santa Barbara for sponsoring this podcast.
BBB of the Tri-Counties provides online subsciption tips to help you manage your online subscriptions and avoid unauthorized charges. Subscribe to Your Moment of Trust today so you don't miss a single episode. Sponsored by Ayers Automotive Repairs in Santa Barbara.
Don't let scams cut into your holiday cheer! Listen to this podcast with warnings about the top scams this holiday season and how to avoid them. Brought to you by Better Business Bureau of the Tri-Counties and sponsored by Ayers Automotive Repairs in Santa Barbara.
BBB of the Tri-Counties reports that complaints about the Vehicle Service Contract Industry are on the rise and urges consumers to proceed with caution. Marketing tactics have been called into question and have been reported to be misleading. Repairs which consumers thought would be covered are frequently denied. Don't miss the important tips about Vehicle Serivice Contracts in this episode. To file a complain, visit BBB.org or visit your local BBB office.
Your Moment of Trust is sponsored by Ayers Automotive Repairs in Santa Barbara.
Do your research before buying products based on social media ads! Before making an online purchase, BBB of the Tri-Counties recommends you google the website's name followed by the words reviews, complaints, or scams. Here are some of the common problems and scams being reported to the BBB. 1.) Products that claim to support charities but really don't. (Sometimes it's from a nonexistant business and your merchandise won't be delivered.) 2.) So-called free trial offers, often with celebrity endorsements--which charge your card a hefty fee every month. 3.) Counterfeit merchandiese and 4.) poor customer service with no way to contact the business. To report a scam, visit BBB Scam Tracker.
In this episode, BBB of the Tri-Counties gives advice on researching old debt, or 'Zombie' debt that comes back to haunt you. A BIG thank you to Ayers Automotive Repair in Santa Barbara, for sponsoring this podcast. Subscribe today so you don't miss a single episode!
BBB of the Tri-Counties gives tips on ways to recognize the signs of identity theft early! Subscribe to Your Moment of Trust today, so you don't miss out on their valuable tips and advice! This podcast is sponsored by Ayers Automotive Repairs, a proud member of the Better Business Bureau.
BBB of the Tri-Counties gives great advice on things to consider when hiring a tutor for your child or teen. Thank you to our sponsor, Ayers Automotive Repairs, for sponsoring Your Moment of Trust. Subscribe today so you don't miss a single episode!
Recently, Better Business Bureau of the Tri-Counties has been hearing a lot of complaints about Home Security Companies. People are being contacted out of the blue and are told that their current home security company went out of business. The person who contacted them goes on to say that they're going to be taking it over. In this episode, you'll get tips for choosing a company that provides a reputable Home Security System. Be sure to subscribe to Your Moment of Trust, the podcast that provides valuable information about marketplace trust. Thank you to Ayers Automotive Repairs for their sponsorship.
Don't fall for scammers who pretend to be your friends on Facebook. Generally, they try to get you to click on a link for a great offer or product, try to get you to donate to a phony charity or send you a friend request, falsely pretending that their account has been hacked.
Your Moment of Trust is a podcast brought to you by BBB of the Tri-Counties. A BIG thank you to Ayers Automotive Repairs for their sponsorship. Subscribe today so you don't miss a single, important episode!
Tips from BBB of the Tri-Counties on how to choose a professional organizer. A BIG thank you to Ayers Automotive Repair for sponsoring this podcast. Subscribe today!
BBB of the Tri-Counties celebrates Small Business Week with the Small Business Administration. It honors the perseverance, strength and perseverance of small businesses and encourages consumers to give them their loyalty. #smallbusinessweek
Timely tips from Better Business Bureau of the Tri-Counties on how to keep your family safe from cyber criminals. A HUGE THANK YOU to Ayers Automotive Repairs in Santa Barbara for sponsoring this important podcast. Be sure to subscribe so you don't miss a single episode!
Scam artists are opportunistic and often pretend to be raising funds for legitimate causes and charities, while really keeping the money for themselves. In this episode, BBB of the Tri-Counties gives tips on how to determine if a charity or cause is reputable. A BIG thank you Ayers Automotive Repairs for sponsoring the Your Moment of Trust podcast.
Con-artists are reaching out to pet-sitters and after some friendly banter, offer a great paying pet-sitting job. They send a check for over the amount, asking the unsuspecting pet-sitter to use the extra money to purchase supplies. When the bogus check bounces, the pet-lover is out for the money they paid for the supplies--and for the bounced check! Be sure to check out other employment scams on bbb.org/scamtracker. Your Moment of Trust is brought to you by BBB of the Tri-Counties and sponsored by Ayers Automotive Repairs.
BBB of the Tri-Counties warns us that as the eviction moratorium comes to an end, con-artists are getting ready to take advantage of those who are in need of money by offering phony loans, expensive credit-repair services and fake government programs. Don't get fooled! Listen to this important episode and subscribe today so you don't miss a single episode. A special thanks to Ayers Automotive Repair Services in Santa Barbara, for sponsoring this podcast.
QR codes are growing in popularity but con-artists are using them to hide malicious links. Don't miss this important warning from BBB of the Tri-Counties!
A special thank you to Ayers Automotive Repair for sponsoring this podcast.
BBB of the Tri-Counties shares tips on how to choose the right equipment for your upcoming camping adventure. Learn how to pick the right tent, sleeping bag, camp kitchen and more! They also remind you to be cautious when purchasing online and to check descriptions, reviews and return policies carefully!
Be aware of marketing claims related to pyramid and ponzi schemes. You may be invited to a party where someone is selling various products such as vitamins and kitchen materials. If you get involved in purchasing or selling products through marketing schemes, make sure you know the terms and conditions of your business deal.
Thank you to Ayers Automotive Repairs for giving us this week’s automotive tip of the week! Remember to check your brakes regularly! Consider joining Ayers Repairs Car Care Club, for just $199, you can get over $680 worth of auto repair services. Thank you to Ayers Automotive Repairs for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
‘Curbstoning’ involves a commercial vehicle dealer pretending to be a private seller to avoid taxes and mandated consumer protection laws. This practice is called ‘Curbstoning’ because often the sale is conducted in a parking lot, or with the car parked curbside on the street. ‘Curbstoners’ often post their for-sale advertisements on public forums like Facebook or Craigslist. Listen to this episode for tips provided by the BBB to avoid being scammed or ripped off.
Thank you to Ayers Automotive Repairs for giving us this week’s automotive tip of the week! The flashing TPMS light on your dash, warning you about the condition of your tires, could mean something! If the TPMS light is flashing, pay attention, normally it is flashing for a reason. Consider joining Ayers Repairs Car Care Club, for just $199, you can get over $680 worth of auto repair services. Thank you to Ayers Automotive Repairs for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
Listen to tips in this week’s episode about the BBB’s code of advertising. Businesses are required to make honest advertisements and special offers. If you feel like you need to file a complaint with a business, usually you can handle the issue with the business’s customer service department. The BBB represents both the business and the consumer as a third party mediator.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
Thank you to Ayers Automotive Repairs for giving us this week’s automotive tip of the week! If you see the oil warning light on your vehicle, you better double check your oil. If you are in the Santa Barbara area and need auto repair or maintenance, contact Ayers Automotive Repair. Consider joining Ayers Repairs Car Care Club, for just $199, you can get over $680 worth of auto repair services. Thank you to Ayers Automotive Repairs for their automotive tip of the week! https://www.ayersrepairs.com/
Thinking about traveling soon? A recent survey found that about 23% of travelers are misled by special offers when booking services like airfare and hotels online. Approximately 55 million online hotel bookings are effected by fraudulent bookings and call centers. Listen to this week’s episode for travel tips, provided by the BBB, to ensure that your trip is set before you arrive at your destination.
Thank you to Ayers Automotive Repairs for giving us this week’s automotive tip of the week! Back when gas stations offered full service, fluids and tire pressure were checked when you got your gas. Today it is a good habit to get into, and most shops are happy to do these checks for you. If you are in the Santa Barbara area and need auto repair or maintenance, contact Ayers Automotive Repair. Consider joining Ayers Repairs Car Care Club, for just $199, you can get over $680 worth of auto repair services. Thank you to Ayers Automotive Repairs for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
Be sure you read advertisements carefully! Make sure you understand product offers and promotions. Advertisers are required by law to be truthful in their advertising claims and special offers. Listen to this week’s episode for more tips provided by the BBB.
Thank you to Ayers Automotive Repairs for giving us this week’s automotive tip of the week! If you fail a smog inspection, you may simply need a system reset. If you are in the Santa Barbara area and need auto repair or maintenance, contact Ayers Automotive Repair. Consider joining Ayers Repairs Car Care Club, for just $199, you can get over $680 worth of auto repair services. Thank you to Ayers Automotive Repairs for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
If you are covered under Medicare, watch out for this con! Scammers are claiming to offer free genetic testing kits that allegedly screen for heart disease or cancer. In reality, it is a way for scammers to steal your sensitive Medicare information. Listen to this week’s episode for more tips provided by the BBB.
Thank you to Ayers Automotive Repairs for giving us this week’s automotive tip of the week! By reading and understanding your warranty, you will be informed about all your warranty details, including who is permitted to service your vehicle. If you are in the Santa Barbara area and need auto repair or maintenance, contact Ayers Automotive Repair. Consider joining Ayers Repairs Car Care Club, for just $199, you can get over $680 worth of auto repair services. Thank you to Ayers Automotive Repairs for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
Travel restrictions continue in many areas and are not consistent across countries and territories. If you plan to travel anywhere, especially when flying, be sure to check the most recent legal restrictions of a given area. Also note the cancelation and refund policy of the airline that you book your trip with. Listen to the tips provided by the BBB for advice on what to look out for when traveling.
Thank you to Ayers Automotive Repairs for giving us this week’s automotive tip of the week! Sometimes a simple system check and reset can correct a failed smog inspection. If you are in the Santa Barbara area and need auto repair or maintenance, contact Ayers Automotive Repair. Consider joining Ayers Repairs Car Care Club, for just $199, you can get over $680 worth of auto repair services. Thank you to Ayers Automotive Repairs for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
Astrology, Tarot, and other psychic services is a big industry worth over 2 billion dollars! Many psychics are offering online content through social media. But watch out for scammers who prey on unsuspecting victims. Listen to the tips provided by the BBB to avoid being scammed by online spiritual practitioners.
Thank you to Ayers Automotive Repair for giving us this week’s automotive tip of the week! What do you do if your vehicle doesn’t start? Maybe you have a dead battery. Or perhaps you need a new alternator. If you are in the Santa Barbara area and need auto repair or maintenance, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
When looking for a good deal for a family vacation or getaway, plan accordingly with plenty of advanced notice. Scammers often target individuals or groups looking to save money on a vacation package. Scammers can easily prey on unsuspecting victims through the internet. Listen to these tips, provided by the BBB, about how you can avoid being scammed when booking your next vacation.
This week, Ayers Automotive Repairs tells us how to determine the life of our tire treads. The old school method is the penny tire-check. To get a more precise reading, professionals use a tire depth gauge. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
May marks an important month of transition for many Americans. In May, many people prepare for the summer season, graduate as students, relocate for the summer. In fact, so many people commonly move or transition during the month of May, that in 1997 May was designated as national moving month. With so much moving activity during the summer, watch out for scammers posing as moving companies! In this episode, listen for tips provided by the BBB to find legitimate, professional movers.
This week, Ayers Automotive Repairs reminds us how important oil changes are! Be sure you use the right kind of oil for your vehicle. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
Free trial offers are an extremely effective marketing tactic, most often being a win-win for both consumers and sellers. This week, the BBB provides tips telling consumers what to look out for when signing up for a free-trial offer.
This week, Ayers Automotive Repairs stresses the importance of understanding your vehicle’s warranty. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
CBD, an active ingredient of cannabis, is now legal in many U.S. States and Canadian Provinces. If you want to try CBD, be aware of many scams related to free-trial products. Recent Scam Tracker reports indicate that certain free-trial offers are not actually free and can be difficult to cancel, especially once scammer’s have your credit card information.
In this week’s Ayers Automotive tip of the week, vehicle owners are advised on what to do if your vehicle fails a smog inspection. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
The BBB of the Tri-Counties gives guidelines on one consititues healthy and organic food. You can call them at 805-963-8657
Beware the Sugar Daddys or Mammas who offer to pay you an allowance--and then ask you to use a large chunk of it to give to their needy friend or a charity. Here's how the scam works. The victim deposits the check (given to them by their Sugar Daddy/Mamma) and takes out some of the money. Then, when the check bounces, the victim is left holding the bag! If you meet someone online, be sure to do a reverse Google Image search to be sure they're who they say they are!
We all feel so much better after we de-clutter our lives. However, when you do, Better Business Bureau of the Tri-Counties reminds you not to forget about your electronic devices! In this very important episode, you'll learn how safeguarding your electronic devices can protect you from identity theft, loss of funds and credit card fraud!
BBB of the Tri-Counties President, Richard Copelan, warns listeners that as the economy improves, scammers are out in full force! Don't miss this informative episode and learn about the complaint process, customer reviews and their new advertising review program! Contact BBB of the Tri-Counties to report unsubstantiated claims in ads by calling 805-963-8657 or send them an email from their website.
While we all love spring time, it's the season when roofer scams start showing up once again. Especially after a storm, you may receive unsolicited offers for a free roof inspection. The so called 'roofer' may even show you pictures of other damaged roofs, pretending they're yours-- or tear shingles off your roof to show you that it's damaged! Don't fall for it! Learn more in this episode from the Better Business Bureau of the Tri-Counties or call 805-963-8657.
A phony survey, which pretends to be from Pfizer, is circulating. It offers prizes for people who answer a few questions and asks for your credit card information for shipping charges. Then, your card is charged many times over! Don't fall for this scam--whether it looks like it's coming from Pfizer or anyone else. Be wary of texts or emails which you didn't sign up to receive. Get more tips in this episode from the Better Business Bureau of the Tri-Counties or call 805-967-8357.
The popularity of mobile stock trading apps is growing in popularity. Especially if online trading is new to you, be sure to listen to this episode of Your Moment of Trust from the Better Business Bureau of the Tri-Counties. They invite you to call them at 805-963-8657 and urge you to report scams online at https://www.bbb.org/scamtracker
Online purchase scams are the most common scams in the wake of Covid-19. It might surprise you that adults ages 18 – 24 reported the highest losses due to scam artists. This week’s episode highlights the statistics of online purchase scams and their somewhat surprising reoccurrences.
This week’s Ayers Automotive tip of the week reminds us of the importance of replacing spark plugs. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
There are a lot of moving parts when it comes to planning a wedding. And it is certainly a little more complicated if you are planning a wedding during the COVID-19 pandemic! Ensure the triumph of your wedding by listening to wedding success tips provided by the BBB.
A special thanks to Ayers Automotive Repairs in Santa Barbara for this week’s automotive tip of the week. Remember to check your tires! If your TPMS Tire Sensor goes if, something could be wrong with your tires; they may be punctured or low on air. Talk to your automotive technician about the condition of your tires. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
If you are looking to buy or sell jewelry, be sure to do your research! Last year, consumers nationwide filed over 3500 complaints with the BBB against jewelry stores and over 2000 complaints against pawn brokers. Tune in to this week’s episode of ‘Your Moment of Trust’ to learn critical tips provided by the BBB about buying and selling jewelry.
This week’s Ayers Automotive tip of the week suggests that if your auto technician is recommending an engine cleaning service, followed by more frequent oil changes, they are recommending it as good preventative maintenance. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
This week’s Ayers Automotive tip of the week is a good reminder to check and clean the battery terminals on your vehicle. Even if your battery is labeled ‘maintenance free’, ask your automotive technician to check for corrosion or mineral buildup. Regular battery service helps prolong battery life. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
We all need extra cash from time to time! Several apps are marketing themselves as a zero interest, low risk way to obtain a small loan. However, not all cash advance apps are created equal. Watch out for hidden fees and sneaky membership tolls. If you are going to use a cash advance app, be sure you research its standing with the BBB so that you understand the terms of the loan.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
Did you get your Covid-19 vaccine? Great for you, but do not share your vaccination card on social media. Your vaccination card has valuable personal information on it. If you share your vaccination card publicly, scammers and fraudsters could use this information to steal your identity. Remember to be cautious about what your share on social media and never give away your sensitive personal information.
This week’s Ayers Automotive tip of the week tells us what to do when the check engine light turns on! When your vehicle service light turns on, it could mean any number of things. Maybe you need an oil change, or new spark plugs. Regardless it is important to have your vehicle serviced regularly. How frequently you take in your vehicle for a maintenance check is also dependent upon the condition of your vehicle and its make and model. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
There is a current upswing of Covid-19 related scams. Covid scams can be anything related to testing or vaccinations, and fraudsters are looking to phish personal information. Be aware if you receive a phone or social media message claiming that you are eligible to receive the vaccine. Always be suspicious if the person who contacts you demands detailed personal information or money up front. Never send money or personal information to anyone whom you do not know!
This week’s Ayers Automotive tip of the week reminds us of the importance of our engine coolant. If the coolant light goes on, check the coolant level that is normally under the hood. Make sure you put the right coolant type in your system and do not mix different colors of coolant! When in doubt, seek professional auto service. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
With winter weather and Covid-19, most people are spending a lot of time at home. All this time at home means that record numbers of people are shopping online and using streaming services, such as Netflix and Hulu. BBB scam tracker indicates that many people are receiving text messages which promise free streaming services for a year. Browsers beware! Scammers are always looking to phish personal information and finances.
This week’s Ayers Automotive tip of the week informs us about what to do if the brake warning light turns on. Often the brake warning light means that it is time to replace the brake pads. Please only purchase high-quality brake parts. Quality parts do make a HUGE difference! If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
The start of a new year is a great time to clean your house and get rid of unwanted items. There are great opportunities in the modern age to sell used household items. Depending on what you want to sell online, being selective about certain venues like Ebay and Facebook Marketplace is important. Selling goods online is not without it risks and challenges. Consider the different ways that you can sell items online, whether through in-person exchanges or mailing packages.
If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. If you take your vehicle in for a regular service, the technician should check the condition of your air filter. Clean air filters do have an effect on your overall gas mileage. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
Every year millions of consumers fall prey to scams. Some consumers lose money immediately while others are victimized by identity theft and it can take years to recover. As part of your new year’s resolution in 2021, listen to this full episode for tips from the BBB to help keep your identity and assets secure.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
This week’s Ayers’ automotive tip of the week reminds us to check your engine fluid and tire pressure at least once a month! If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
Returns and exchanges are never easy. Stores are not required to accept returns or exchanges unless the merchandise was misrepresented. Return policies are highly variable from one retailer to another. Tune in to this week’s episode to hear more tips that can help make your returns and exchanges easier.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
This week’s Ayers’ automotive tip of the week teaches the importance of checking your brake pads! Brake pads tend to wear down somewhere between 30,000 – 50,000 miles. When driving your vehicle, remember that safety comes first. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
When budgets are tight, especially around the holidays, who can say no to gift cards offered during social media giveaways? However, before you make a comment on a social media giveaway post, make sure that the giveaway is legitimate. Many times, giveaway posts are made by scammers to get ‘likes’ on their page. After obtaining enough ‘likes’, scammers can then modify the original post, linking their page to malware or other malicious software. Remember that your data has value; always practice safe browsing habits.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
This week’s Ayers’ automotive tip of the week reminds us of the importance of checking your tire pressure. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
BBB’s scam tracker is informing you of a scam which claims that your Amazon, Paypal, Netflix or other account has been compromised. You receive a call or email stating that one of your accounts has been compromised and you are told that you need to take immediate action! But remember that scammers will try to make you worried and feel panicked, and they will ask for your personal information. Be aware of who you provide sensitive information to, and be sure to check that you are contacting legitimate customer service representatives if you feel that something is wrong with your account.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
This week’s Ayers’ automotive tip of the week reminds us of the importance of regular engine maintenance. If you are having engine problems, there is a chance that you may need new spark plugs. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
As the United States and Canada are closer than ever to releasing a COVID-19 vaccine, scam experts are warning of potential fraud surrounding such treatments. Watch out for anything from phony treatments to phishing messages. Government officials are already cracking down on fake testing kits and treatments.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
This week’s automotive tip of the week states the importance of cleaning your battery terminals, even if your battery is labeled ‘maintenance free’. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
Every year there are always a few toys that are on a child’s must have wish list. This year’s most popular toys include, a Star Wars ‘Baby Yoda’, and an animatronic dog. Buyers beware, as popular toys become increasingly hard to get, scammers are making fraudulent websites that claim last minute deals on rare items.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
This week’s automotive tip of the week describes what to look for when it is time to replace the old tires on your vehicle. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. Thank you to Ayers Automotive Repair for their automotive tip of the week! https://www.ayersrepairs.com/
Holiday shoppers are always looking for bargain deals to save money when buying gifts for their loved ones. With the popularity of gaming consoles on the rise, and the new release of Playstation 5, scammers are taking advantage of people’s interests by posting false advertisements about limited time deals on gaming consoles online. To avoid online purchase scams, do your research about any particular seller before making payments over the internet.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
Thank you to Ayers Automotive Repair for their automotive tip of the week! If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. https://www.ayersrepairs.com/
The holiday season is already upon us. Many in-person events, like holiday markets and craft fairs are now hosting their events online due to COVID-19. Unfortunately, some scammers are creating phony online market places that charge for admission and steal your credit card information. Watch out for fake event pages on social media, where imposters post counterfeit marketplace listings. Do not give out your personal credit card information unless you are certain that you are buying from a reputable source.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657. Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
Thank you to Ayers Automotive Repair for their automotive tip of the week! This week Ayers Auto Repair shares the importance of replacing the air filter in your vehicle. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. https://www.ayersrepairs.com/
If you thought COVID-19 scams were over, think again! Many people are being contacted via text message which tells them that they qualify for research studies related to COVID-19. Participation promises financial reward. Beware that if you click on the link in these messages, you could unknowingly download malware.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657.
Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
As consumers grapple with the economic impacts of Corona virus, those in need may turn to co-signer hiring services. For a fee, such services claim that they will find you a co-signer for big purchases like your home, car, etc. The BBB warns that services such as cosignerfinder.com mislead users and will result in loss of money or empty promises.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657
Thank you to Ayers Automotive Repair for sponsoring ‘Your Moment of Trust’. This week's Ayers Automotive tip of the week brings us important tips about the oil maintenance of your vehicle. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. https://www.ayersrepairs.com/
Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
As a business owner, there are many benefits to donating to charity. Donating to a charity can get you connected with your community, offer tax-benefits, and give you various advertising opportunities. But before you write a check, be sure to do your research about what charity to donate to; and do not assume what the charity is doing without asking for details. In this podcast, BBB offers some tips and recommendations when it comes to donating to a charity.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657
Thank you to Ayers Automotive Repair for sponsoring ‘Your Moment of Trust’. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. https://www.ayersrepairs.com/
Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
There are so many kinds of Facebook posts that draw in your attention while scrolling. Some posts make you laugh, while others draw on your heart strings to entice you into donating money or contributing to a cause. Recently there have been posts about RVs for sale, as many people are looking to live on the road during the current pandemic. But browsers beware! Facebook is full of scammers who deliver empty promises that leave your wallet empty.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657
Thank you to Ayers Automotive Repair for sponsoring ‘Your Moment of Trust’. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. https://www.ayersrepairs.com/
Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
To help slow the spread of COVID-19, State Department Motor Vehicle Divisions (MVD’s) across the U.S. and Canada have expanded their online services. Beware of scam artists luring unsuspecting victims into identity theft schemes. If you are notified digitally by what appears to be the MVD, be sure that any links redirect you to a legitimate state sponsored website. If in doubt, contact the local MVD in your area.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657
Thank you to Ayers Automotive Repair for sponsoring ‘Your Moment of Trust’. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. https://www.ayersrepairs.com/
Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
During the COVID-19 Pandemic, online home furnishing purchases have nearly doubled. Meanwhile, the online sale of outdoor furniture has increased more than 400 percent! In the modern age, online purchases are increasingly commonplace, making shopping that much more convenient. The convenience of online shopping makes it very easy for the consumer to fill up the shopping cart and run up the bill. In today’s episode of ‘Your Moment of Trust’, we provide some online shopping tips when it comes to buying furniture online.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657
Thank you to Ayers Automotive Repair for sponsoring ‘Your Moment of Trust’. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. https://www.ayersrepairs.com/
Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
Small businesses are having a difficult time meeting sales goals since the advent of the COVID-19 pandemic. Sales goals for businesses mean deals for customers – but eager customers beware not to fall trap to a scam. The BBB scam tracker is reporting increased instances of phony ‘going out of business’ online sales. In some instances customers are reporting not receiving a purchased item at all, receiving a different item than the one purchased, or just receiving a poor-quality item, different than the one ordered. Be advised when shopping online to look for suspicious websites, do not purchase anything on a website with no customer service information, or beware of deals that are too good to be true.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657
Thank you to Ayers Automotive Repair for sponsoring ‘Your Moment of Trust’. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. https://www.ayersrepairs.com/
Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
Between the advertisements and the current political climate, the 2020 election is hard to ignore! But honest voters and citizens are not the only ones paying attention. Scammers are luring unsuspecting voters to donate money to a favorite candidate. You could receive a phone call from a scammer who wants to trick you into sending money. Be smart and aware during this year’s election, and be especially careful to whom you send money.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657
Thank you to Ayers Automotive Repair for sponsoring ‘Your Moment of Trust’. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. https://www.ayersrepairs.com/
Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
It is that time of year again where students are getting their school supplies together at the start of the fall semester. Scammers are targeting students in an attempt to steal funds from unsuspecting victims. Even if you are a college student not physically on campus due to COVID-19, scammers can still find you remotely. Beware of fraudulent emails claiming that you owe money to the university or that you need to claim a government stimulus check through the university's online portal.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657
Thank you to Ayers Automotive Repair for sponsoring ‘Your Moment of Trust’. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. https://www.ayersrepairs.com/
Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
Data Breaches are unfortunately common place. If you are apprehensive to make purchases online or over the phone because you don’t want to provide your credit card information, virtual credit cards add a layer of personal identity protection. Virtual Credit cards allow consumers to create unique card numbers, security codes, and expiration dates that are unique to one particular transaction or valid over a set period of time.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657
Thank you to Ayers Automotive Repair for sponsoring ‘Your Moment of Trust’. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. https://www.ayersrepairs.com/
Thank you to Meathead Movers in Santa Barbara for being our community partner. If you are in need of a moving service and if you want a safe and efficient move, call 866-THE-MEAT
COVID-19 pandemic is sending social-economic ripples across the country. People are perhaps more desperate than ever to make a quick dollar. However, be informed that there are a variety of schemes out there that require an initial investment and promise a high return. Scammers often lure their unsuspecting victims by making false promises over high return rates on investments.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657
Thank you to Ayers Automotive Repair for sponsoring ‘Your Moment of Trust’. If you are in the Santa Barbara area and need auto repair, contact Ayers Automotive Repair. https://www.ayersrepairs.com/
Thank you to Meathead Movers in Santa Barbara for being our community partner.
Identity theft is an ever evolving crime. As fraud protection experts learn the latest schemes that criminals are arranging, fraudsters simply modify their methods to make their crimes more difficult to detect. Identity thieves now combine information from multiple individuals to create a false identity. This technique is called synthetic identity theft. This fraud is so hard to detect, you could be an unassuming victim!
A special thanks to Ayers Automotive in Santa Barbara for sponsoring our show. Thank you to Meathead Movers in Santa Barbara for being our community partner.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657
As the COVID-19 pandemic continues, various government agencies are providing funding to help with pandemic relief. In these times, scammers are posing as government agencies to offer relief to individuals in need. Often scammers will pose as a government affiliated agency and contact people asking for sensitive personal information. Remember, never give sensitive personal information over the phone.
A special thanks to Ayers Automotive in Santa Barbara for sponsoring our show and gratitude to Meathead Movers, one of our community partners in Santa Barbara.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657
Check out this episode!
Many people are receiving strange packages in the mail from China that contain unmarked seed packets or miscellaneous items that were not ordered. If you receive such unwarranted packages in the mail, DO NOT PLANT THE SEEDS, and report your package to your local APHIS department.
A special thanks to Ayers Automotive in Santa Barbara for sponsoring our show and gratitude to Meathead Movers, one of our community partners in Santa Barbara.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657
Many Americans are still waiting for their COVID-19 stimulus check and/or dealing with the unemployment system as they struggle to find jobs. The Federal Trade Commission (FTC) is warning of the latest phishing schemes where fraudsters pose as government agencies, in hopes of stealing sensitive personal information.
To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657.
Whether you are planning a trip to the grocery store or if you are trying to plan a family vacation, the Corona Virus has disrupted life. The CDC recommends that your family does not travel out of the country for vacation this year. In fact, during this travel season it is recommended that families stay close to home. If you must travel this season, please listen to our new episode of ‘Your Moment of Trust’ where we share the latest CDC travel recommendations.
The Better Business Bureau (BBB) is issuing a warning after an elderly man from San Jose recently lost $45,000 to a lottery scam. The scam was first reported by mail to the BBB in upstate New York. The BBB was rather surprised when the victim of the scam reported that the scammers claimed to be BBB employees. The scammers claimed that the man won a prize from the mega lottery. The real BBB found out about the scam when the victim wrote to the BBB, thinking that he was going to claim his prize. Surprisingly, the scammers continued to write the man in an attempt to collect an additional large sum of money. Scammers in this context will use emails, letters, or phone calls to claim that you won a cash prize. But rest assured that if you have to pay money to collect money, it is probably a scam! To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657.
It is summer camp season once again, but during the COVID-19 epidemic, the CDC has a few public safety recommendations to ensure everyone’s safety. Camps will independently decide when they will open for participants, but all camps are required to follow state-wide regulations. U.S. residents can check their governor’s website for required summer camp protocol. Additional summer camp safety guidelines and resources are available through the YMCA of the USA (YMCA-USA) and the American Camp Association (ACA). Available through this link here: https://www.ymca.net/news-releases/ymca-of-the-usa-and-american-camp-association-release-educational-resource-to-support-summer-camp-safety
Warm summer weather often brings monsoon storms and summer rain. This time of year, homeowners frequently need roof replacement and repair. The BBB is warning homeowners about potential roofing scams. Scammers will offer a free roof inspection and could potentially cause additional damage to your roof in order to incite further payment costs. To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657.
Studies show that up to 50% of people with COVID-19, do not show any symptoms. As a result, many people are wondering if they have the virus without knowing it. An antibody test can reveal if your body has already fought off the virus. Unfortunately, many scammers are taking advantage of this situation by advertising fake tests. Watch out for phone calls or websites that pose as legitimate medical clinics. Be aware that fake testing scams will not provide details about the test and ask for you to provide sensitive personal information. If you want to get a legitimate rest, talk to your healthcare provider. To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657.
If you use Venmo or another digital wallet, such as Zelle or Apple Pay - be aware of this con. If someone you do not know sends you money, watch out! It may not be an honest mistake. Scammers are taking advantage of digital wallet systems to take your money. To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657.
Many social-media scams are taking advantage of the Covid-19 pandemic, luring unsuspecting internet users into pyramid schemes and other 'get rich quick' scenarios. Remember, scammers always try to make a lot of money with little effort. If an offer is too good to be true, it usually is! To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657.
Better Business Bureau of the Tri-Counties gives great advice on how to recognize scam sites that take your money, promising Covid-19 supplies such as face masks and hand sanitizer--but then shut down and don't deliver! Don't get taken in! To report or investigate a potential scam, visit Scam Tracker, or call BBB of the Tri-Counties at 805-963-8657.
Pet buyers are being told they have to pay extra for a crate or insurance to have a pet shipped due to the coronavirus. Learn how to avoid the puppy scam in this episode from BBB of the Tri-Counties. To report or investigate scams in your area, visit Scam Tracker. You can also call the BBB of the Tri-Counties at 805-963-8657.
While social distancing is vital, it may be helping scammers. Learn how crooks are taking advantage of the situation in this episode of Your Moment of Trust. To report or research scams, visit Scam Tracker. Or, call Better Business Bureau of the Tri-Counties at 805-963-8657.
Rick Copelan, President and CEO of Better Business Bureau of the Tri-Counties, warns listeners about scams offering phony pre-approved loans. He reminds us that scam artists create a sense of urgency because they want you to act before you have a chance to check out their offer and come to your senses. To report or investigate a scam, visit the BBB Scam Tracker site. For more warnings related to the current Coronavirus crisis, don't miss this episode!
To contact Better Business Bureau of the Tri-Counties, call 805-963-8657.
With the current Coronavirus pandemic, scammers are constantly changing their tactics to catch people off guard. These tips to avoid being scammed come from Better Business Bureau of the Tri-Counties. Call them at 805-963-8657. To report or investigate scams, go to Scam Tracker.
Many companies are quickly making arrangements for employees to work from home and others are fast tracking policies to meet the requirements of shelter-in-place orders issued by state officials. These actions are making it an even higher risk of people being targeted by scammers, especially through phishing emails or through an unsecured network connection. To learn about scams, visit the BBB Scam Tracker Site.
Or call BBB of the Tri-Counties at 805-963-8657.
Small businesses are struggling due to the necessary social isolation policies put in place due to the Coronavirus. But in this episode, you'll learn that there are still ways you can support your favorite small business. Better Business Bureau of the Tri-Counties welcomes your phone calls at 805-963-8657.
Better Business Bureau of the Tri-Counties shares tips for choosing and hiring a home inspector before purchasing a property.
To Contact Better Business Bureau of the Tri-Counties, call 805-963-8657.
BBB of the Tri-Counties issues an urgent warning about emails and texts that appear to come from legitimate organizations but are really a ruse to sell phony cures or information, steal your identity or credit card info. Be sure to listen to this important episode! If you have questions, you're invited to call Better Business Bureau of the Tri-Counties at 805-963-8657. To learn about current scams or to report a scam, visit the BBB Scam Tracker site.
Did you know that with a few steps, your phone number and phone service can be stolen?! Phone porting scams are on the rise. Once scammers have your cell phone number, they can receive your texts and get security codes that are meant to provide you with an extra layer of security! In this episode, you'll learn how to protect yourself from the phone porting scam. To contact the Better Business Bureau of the Tri-Counties , call 805-963-8657. To report or investigate Scams, visit the BBB Scam Tracker site.
Did you know that businesses are not allowed to call you via Robo Call without your written permission? Don't miss this episode of Your Moment of Trust, from the BBB of the Tri-Counties and find out how to be placed on a DO NOT CALL list. To contact BBB of the Tri-Counties, call 805-963-8657. To research or report scams, go to their Scam Tracker site.
To scammers, Spring Break is just another opportunity to take advantage of people! Avoid being taken in by crooks who advertise fictitious hotels, resorts and home rentals with these tips from the Better Business Bureau of the Tri-Counties. Be sure to research or report scams on the BBB Scam Tracker Site. Or, call the Better Business Bureau of the Tri-Counties at 805-963-8657.
The Romance Scam is heartbreaking and the Better Business Bureau provides tips to avoid being conned by a charming stranger online.
To contact BBB of the Tri-Counties, call 805-963-8657. To report or investigate scams, visit Scam Tracker.
Better Business Bureau of the Tri-Counties warns consumers to use caution when purchasing or investing in cryptocurrency. To contact the Better Business Bureau of the Tri-Counties, call 963-8657. To research or report a scam, visit the Better Business Bureau Scam Tracker Site.
As the Tri-Counties and many other communities across the country prepare for the U.S. 2020 census, the Better Business Bureau is issuing a warning against scammers who may use this opportunity as an opportunity to steal your information. In this podcast, you'll learn how the Census Bureau operates so you won't be fooled by impostors! To report a scam or research scams, visit BBB Scam Tracker or call BBB of the Tri-Counties at 805-963-8657.
BBB Scam Tracker is receiving reports of a con that tricks car sellers or buyers into purchasing vehicle reports from scam sites. Don't fall for this scam! To report scams or research them, visit BBB Scam Tracker or call BBB of the Tri-Counties at 805-963-8657.
A new report, "Exposed to Scams: What Separates Victims from Non-Victims," reveals who is more likely to lose money to scammers. The research also shows that the highest engagement and victimization rates involve online purchases and social media--outpacing telephone, mail and email fraud. Be sure to report or research scams at BBB Scam Tracker. Or, contact BBB of the Tri-Counties at 806-963-8657.
In this timely podcast, Better Business Bureau of the Tri-counties shares tips to get the most out of your gym membership. To visit their website, click here. Or, call them at 805-963-8657