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Money and Privacy

Caller ID Scam Using Fake Phone Numbers to "Spoof"

There are Internet sites like www.SpoofCard.com or www.itellas.com where anyone can buy a prepaid calling card. This prepaid calling card has special features to hide the real identity of the caller. There are Federal regulations prohibiting the use of this technology by telemarketers and debt collectors. This service is also a stalker's dream and a victim's nightmare. Who else but telemarketers, debt collectors, scam artists trying to get your personal information and stalkers trying to harrass you, would need this type of service? Even though it is said that the service is for Law Enforcement, Skip Tracers, Private Investigators, etc., everyone knows that these professionals have other means to accomplish the same goal. The "Spoofer" is also able to change his/her voice to be a man or a woman and not sound like a recording. With a "Spoof" call, *69 (Call Return), *57 (Call Trace), and Anonymous Call features to typically provide you with information, do not work.

The people or companies using this service are able to send any number to your Caller ID. As a victim of identity theft, I received calls where total strangers pretended to be someone else and were demanding my date of birth, social security number, current and previous addresses and my mother's maiden name. One call came from a 512 area code and turned out to be the Secretary of State Comtroller Office for Texas to gather information for taxes. There is no state tax in Texas! Another call was a law firm in Tampa, Florida calling to collect debts on three credit cards. Again, personal information was requested including my bank account number. As a victim of ID theft, I did not take the threat of a major lawsuit or the threat of taking my home lightly. These scam artists fortunately said I owed on 3 cards that I had never used or ordered and that were already removed from my credit history as part of the ID theft.

The attempt to personally violate others is inexcusable and reflects the lowest form of human character. Now that a legislator was "spoofed", laws against the companies providing the service are being enacted. If problems had resulted for regular consumers like you and me, there is no telling how long this practice would have continued.

 

Filed Under

Caller ID Scam Using Fake Phone Numbers to "Spoof"

There are Internet sites like www.SpoofCard.com or www.itellas.com where anyone can buy a prepaid calling card. This prepaid calling card has special features to hide the real identity of the caller. There are Federal regulations prohibiting the use of this technology by telemarketers and debt collectors. This service is also a stalker's dream and a victim's nightmare. Who else but telemarketers, debt collectors, scam artists trying to get your personal information and stalkers trying to harrass you, would need this type of service? Even though it is said that the service is for Law Enforcement, Skip Tracers, Private Investigators, etc., everyone knows that these professionals have other means to accomplish the same goal. The "Spoofer" is also able to change his/her voice to be a man or a woman and not sound like a recording. With a "Spoof" call, *69 (Call Return), *57 (Call Trace), and Anonymous Call features to typically provide you with information, do not work.

The people or companies using this service are able to send any number to your Caller ID. As a victim of identity theft, I received calls where total strangers pretended to be someone else and were demanding my date of birth, social security number, current and previous addresses and my mother's maiden name. One call came from a 512 area code and turned out to be the Secretary of State Comtroller Office for Texas to gather information for taxes. There is no state tax in Texas! Another call was a law firm in Tampa, Florida calling to collect debts on three credit cards. Again, personal information was requested including my bank account number. As a victim of ID theft, I did not take the threat of a major lawsuit or the threat of taking my home lightly. These scam artists fortunately said I owed on 3 cards that I had never used or ordered and that were already removed from my credit history as part of the ID theft.

The attempt to personally violate others is inexcusable and reflects the lowest form of human character. Now that a legislator was "spoofed", laws against the companies providing the service are being enacted. If problems had resulted for regular consumers like you and me, there is no telling how long this practice would have continued.

 

Filed Under

859-212-1501 or 859-212-1502 Spanish-speaking telemarketing calls

Consumers are receiving a pre-recorded message in Spanish claiming that they have won a prize. If you respond as an English-speaker, you are immediately disconnected. Spanish-speaking callers are told that they have won a free Mexican vacation if they are able to get through to the 859 phone numbers.

As with all of these types of offers, there's always a "Gotcha". The best way to stop this practice is to file complaints with the Federal Trade commission (FTC) at www.ftc.gov. This federal agency responds to the quantity of complaints received for a single issue. Therefore, you will help yourself and others by filing an online complaint ASAP.

Filed Under
Communications: Wireless -
Money & Privacy Consumer Scam -

Buyer Beware: Netflix Gift Cards and Subscriptions – The Good, the Bad, and the Ugly!

After one of our UCAN staff had a rather disappointing experience with purchasing a Netflix gift card or subscription for a loved one, we looked into the details of Netflix's Terms of Use to determine what restrictions are involved with purchasing gift subscriptions. After reviewing the Terms and contacting Netflix to clarify some details, we found a few things we thought buyers should be aware of. Listen to Carter discuss Netflix on the UCAN.ORG podcast here .

But before we get started, I realize some of you Clint Eastwood fans reading this might be thinking to yourselves, "wait a minute, why is ‘The Ugly' first when the title of Clint's greatest flick is ‘The Good, the Bad, and the Ugly," not ‘The Ugly, the Bad, and the [Decently] Good?'" Well, don't fret mon frère, here is your answer: unfortunately, we found more ugly and bad aspects of the Netflix gift card subscription service than good. So, without further ado, here is what we have found:


The Ugly

1. First off, Netflix gift card subscriptions are non-refundable. So, if the recipient of the gift card subscription either cannot or does not want to use the service, you're stuck with it. For options available in such a situation, see "The Bad," below.


2.
The ugliest, and seemingly sinister, aspect of Netflix gift card subscriptions is the "opt-out-only" rollover billing. What is this, you ask? Well, when the gift subscription recipient enters a credit card number into the account to activate the gift subscription, the Terms of Use states the gift subscription recipient authorizes Netflix to automatically bill that person for monthly subscription fees and applicable taxes, once the gift subscription period ends, for the cost of the plan associated with the gift subscription, unless the gift recipient opts out prior to the expiration of the gift subscription.

Now, Netflix is obviously hoping users of gift subscriptions will enjoy the service so much they continue on as paid subscribers. But, for all those who are NOT interested in continuing on as paid subscribers, anyone who fails to cancel their service prior to the gift subscription's end will be rolled over into a paying subscription status. So, if recipients of gift subscriptions forget at the end of the gift periods to cancel their accounts, they will be automatically billed for the next month's service.

Depending on the details of when a person receives his credit card statements in the mail and when the paid subscription begins, it's possible for Netflix to get up to two months of billing out of an unknowing subscriber before he realizes (from looking at his first credit card statement received since Netflix started billing him) that he is now a paying subscriber. At this point, unwary subscribers are trapped into paying for either one or two months of service by the fact the Terms of Use clearly states refunds or credits are not available for partially used subscription periods.

How does this affect Netflix? It affects their bottom line, and very handsomely I might add. Just multiply the cost of monthly subscriptions by the number of people you think could end up falling into such a scenario each year (I don't want to speculate, but out of 8.8 million subscribers in 2006, that number could be significant). The result could easily be in the tens or even hundreds of thousands of dollars per year in what essentially amounts to what is in our opinion, unconscionable gains. And so I ask you, are Netflix's policies sinister? Perhaps; but that's up to you to decide. Are they ugly? We think so.


The Bad


3. A gift subscription recipient is required to enter a credit card number in order to activate a gift subscription. Although the credit card protects Netflix's property by enabling it to bill people for lost or damaged DVD's, the reality is that many people either don't have credit cards or aren't willing to give up their credit card info to a company whom they don't really want to use other than for use of the gift subscription.


The [Decently] Good


4. If the recipient wants to use the gift card subscription, but either does not have a credit card or refuses to enter one into the Netflix system, the good news is that gift subscription purchasers, if they choose to do so, may enter their own credit card numbers into gift subscription recipients' accounts. While I certainly do not recommend doing this, unless it's with someone whom you absolutely trust with no reservations (and even then it's not highly recommended), at least it's an available option.


5.
But, what happens if you buy a gift subscription for someone whom either cannot or does not want to use the gift, and whom is not willing to enter your credit card info into their Netflix account? If the gift subscription code has not been activated after one year, Netflix will email the purchaser of the gift subscription to let him know the gift code has not yet been activated. And keep in mind that one year from the date of purchase, gift subscription periods begin to run even when gift codes have not been activated. While this specific point should fall within "The Bad," I couldn't separate it at this point from the somewhat surprisingly two fairly good options available to the original purchaser.

The first option is for the original purchaser to activate the gift code himself to apply it to his own account. So, even though it's not refundable, the purchaser can at least get the value out of the gift subscription which was originally purchased for someone else. But if the purchaser is not a Netflix subscriber, he needs to set up a new account to use the gift subscription. Of course, the ugly part of this is that the purchaser will now be subjecting himself to the "opt-out-only" rollover billing practice discussed above.

The second decent option available to the purchaser of the gift subscription is that he can transfer it to someone else. Even though the Terms of Use states gift subscriptions are only transferable one time, this is somewhat misleading. The gift code itself is transferable an unlimited number of times. Netflix does not track, and has no way of tracking, the number of times the un-activated code has been transferred. So if you give me a code, and I don't want it, I can give it to my brother, who can give it to one of his employees, who can give it to her boyfriend. No problem.

However, once a gift code has been activated, regardless of whether it's before or after one year from the date of purchase, the gift subscription itself can only be transferred once. To transfer the gift subscription, you basically have to transfer the entire account over to the new person by changing the name, address, and email account associated with the Netflix account. But the Netflix system will only let this happen once.

Filed Under
Money & Privacy Money Saving Tips -

Lens.com selling recalled contact lenses

UCAN.org user AmiLin recently brought a disturbing practice to our attention. After buying 4 boxes of contact lens from Lens.com, AmiLin discovered that she had been sold recalled contacts. She was aware that some of the Optix 02 contact lenses (the brand she normally buys) had been recalled and even contacted Lens.com before purchasing to confirm that none of their Optix 02 lenses had sku's within the recall range (view the recall notice here). Lens.com assured AmiLin that she would not be sold recalled contact lenses, however, that is exactly what they did. As if that weren't enough, Lens.com refused to fully refund AmiLin for the recalled contact lenses. Read some of AmiLin's correspondence with Lens.com below:

Hi

I had purchased Optix O2 and they had the sku numbers that matched the recalled boxes. I would like to have a refund/or exchange. Please get back to me as soon as possible.

Thanks
Ami

Dear Ami,
You just need to fill out the back of the invoice which is the return form and just mail them back to us.

Thank you,
Mandy
Lens.com
1-800-LENS-COM
1-888-393-7404 (Fax)
Service@lens.com

I seem to not be able to find that form, is there something to substitute that with?
Thanks
Ami

Dear Ami,
You would need to see your doctor and be refitted for any other lens.

Thank you,
Mandy
Lens.com
1-800-LENS-COM
1-888-393-7404 (Fax)
Service@lens.com

I would like to return the four boxes that I cannot use..

Ami

Ami,

You may return all of the unopened/unmarked on boxes for a refund. We have included the return address below.

Lens. com
301 Sonoco Dr
Louisiana, MO 63353
RMA#327559

Thank You
Karen
Customer Service
Lens.com
888-SAY-LENS (729-5367)
Fax#573-754-5290
www.lens.com

I will be sending out today 3 boxes that are unopened and would like the refund of the boxes as soon as possible. Reason for return contacts codes were part of the recall and which then caused pressure on eye from one of the 4 boxes I had ordered. Return of three will be sent out today from San Diego CA.

Thank you
Ami

 

AttachmentSize
recall_letter.pdf172.31 KB
Filed Under
Money & Privacy Consumer Scam - Money Saving Tips -

Lens.com selling recalled contact lenses

UCAN.org user AmiLin recently brought a disturbing practice to our attention. After buying 4 boxes of contact lens from Lens.com, AmiLin discovered that she had been sold recalled contacts. She was aware that some of the Optix 02 contact lenses (the brand she normally buys) had been recalled and even contacted Lens.com before purchasing to confirm that none of their Optix 02 lenses had sku's within the recall range (view the recall notice here). Lens.com assured AmiLin that she would not be sold recalled contact lenses, however, that is exactly what they did. As if that weren't enough, Lens.com refused to fully refund AmiLin for the recalled contact lenses. Read some of AmiLin's correspondence with Lens.com below:

Hi

I had purchased Optix O2 and they had the sku numbers that matched the recalled boxes. I would like to have a refund/or exchange. Please get back to me as soon as possible.

Thanks
Ami

Dear Ami,
You just need to fill out the back of the invoice which is the return form and just mail them back to us.

Thank you,
Mandy
Lens.com
1-800-LENS-COM
1-888-393-7404 (Fax)
Service@lens.com

I seem to not be able to find that form, is there something to substitute that with?
Thanks
Ami

Dear Ami,
You would need to see your doctor and be refitted for any other lens.

Thank you,
Mandy
Lens.com
1-800-LENS-COM
1-888-393-7404 (Fax)
Service@lens.com

I would like to return the four boxes that I cannot use..

Ami

Ami,

You may return all of the unopened/unmarked on boxes for a refund. We have included the return address below.

Lens. com
301 Sonoco Dr
Louisiana, MO 63353
RMA#327559

Thank You
Karen
Customer Service
Lens.com
888-SAY-LENS (729-5367)
Fax#573-754-5290
www.lens.com

I will be sending out today 3 boxes that are unopened and would like the refund of the boxes as soon as possible. Reason for return contacts codes were part of the recall and which then caused pressure on eye from one of the 4 boxes I had ordered. Return of three will be sent out today from San Diego CA.

Thank you
Ami

 

AttachmentSize
recall_letter.pdf172.31 KB
Filed Under
Money & Privacy Consumer Scam - Money Saving Tips -

RegisterFly domain registration and web hosting scam

UCAN recently received a complaint regarding the domain name registration and web hosting services of RegisterFly.com:


I used Registerfly.com to purchase my webname (xxxxxxx) and for service. When my name was due to be renewed in Dec. 06, I renewed it, twice, but it never showed renewed. Now my webname has been purchased by xxxxxx. Is there any way I can get my webaddress back?


Thanks, xxxx xxxxxx

RegisterFly was a somewhat reputable company a number of years ago, but in the past year or two their services have declined. The number of consumer complaints skyrocketed (read the horror stories at the falling bullets, or here, here, and here) and it appears that RegisterFly simply stopped renewing a large number of its customers' domains. This all culminated in ICANN's termination of RegisterFly's accreditation in March 2007.

Fear not RegisterFly customers! On May 29, 2007, GoDaddy.com announced that it will help RegisterFly by taking over more than 850,000 domain names. New GoDaddy.com customers can call a dedicated 24-hour hot line at (480) 366-3500 or visit www.godaddy.com/welcomeregisterfly for more info.

Filed Under
Money & Privacy Consumer Scam -
Internet & Media Broadband ISPs -

876 is a Jamaican # for International Rate Charge Scam

UCAN and its sister organization Privacy Rights learned of a phone number scam that is particularly vicious because in one case the phone number USED TO BE the fraud dept. number for Experian. In the other case, a La Jolla, CA victim who was desperately trying to call the 800# listed by IDT to opt-out of information sharing, ended up with the same exact message and ended up being referred to the exact same number where "International Rates" would apply.

Until very recently disconnected, the number was 800-301-7195.

An individual called our hotline and reported this to me today. She had been given that number so she could place a fraud alert. She called it (and I've done the same to verify her story) and was referred to another number to call. She got a message that says: "The number you have dialed has a new number assistance service. For more information ... dial 1-876-536-5711. ... International rates apply.... Brought to you by Marina Telecom." Nothing is accomplished by dialing the 876 Jamaican number. When given the choice to check one of the toll-free numbers or hold, the caller gets nothing but connected for a giant waste of time -- to be followed by a third-party International call charge on the next phone bill.

Either the 800 numbers were discontinued and remained as references on other websites or the numbers were hacked into by a foreign company. UCAN could find no reference to a search for Marina Telecom.
The key words in that message are "International rates apply." But it's easy to not hear that warning.

When one individual dialed the 876 number, she later found that a fee of $7.14 was applied to her phone bill. Turns out that the area code 876 is a Jamaica area code. A Google search on area code 876 turns up many warnings about this area code being associated with scams. It's easy to hear the area code 876 and think that it's one of the toll-free area codes.

It's instructive to do a google search on the full number (800) 301-7195. It shows that dozens of legitimate web sites, including the ITRC provide that number as the fraud department of Experian. If people call that number and listen to the recorded message, they are likely to then call the 876 number and be charged the international rate of $7+.

Further, when we made multiple calls to the (800) 301-7195 number, sometimes we were directed to dial 10-15-15-800 instead of the (876) 536-5711 number.

You can hear audio of scam below with 5 attached sound files!

Let us hear from you about this scam below!

AttachmentSize
Call 1 to 800-658-3610.MP31.46 MB
Call 2 to 800-658-3610.MP31.27 MB
Call 3 (cell) to 800-658-3610.MP31.44 MB
Call 1 to 876-536-5711.MP32.77 MB
Call 2 to 876-536-5711.MP33.16 MB
Filed Under
Communications: Landline -
Money & Privacy Consumer Scam -

Subprime Predatory Lender Ameriquest Mortgage

UCAN Member amilin writes

"I heard this segment on npr about ameriquest's loan practices. The problem is that when people sell their house they then, among other things, owe ameriquest ridiculous closing costs. Also, there is a class action suit and apparently the state attorney generals have been watching and ameriquest has narrowed their call center to one main station only. Here's the story I saw.

http://www.npr.org/templates/story/story.php?storyId=9937595"

Ameriquest Mortgage and some of its other names is exposed throughout the Internet as an example of predatory lending. The advertising and teaming up with appraisers, real estate agents and a few specific lawyers, create an absurdly unregulated license to target innocent victims.

Reported as early as 2004, the BBB stated that Ameriquest Mortgage and its related subsidiaries entered into settlement agreements with 49 State Attorney's General.

It appears that even though 49 states get enough complaints to go after the same company, that no federal action on misrepresentation and fraud with criminal penalties has done anything more than allow states to make settlement agreements with fines. In the case of Virginia, the company's settlement agreement didn't even include fault. There are several Los Angeles business locations for Ameriquesst that show the numbers and types of complaints with only the Better Business Bureau. If you search www.bbb.org and type in Ameriquest, you will see approximately 200 U.S. locations. In California, this writer found about 18 locations, The Los Angeles area shows a total of 689 complaints. 498 of these complaints are for failure to "agree to perform according to their contract". So once the company pays the fines and the settlement agreement timelines end, the company is free to continue its practices. It's curious why politicians are just now getting to the core of the problem in hearings when the practice and its potential repurcussions have been going on since the federal government decided no rules need apply to industry because market competition will take care of all issues. Surprise, market competition didn't work for predatory lending and it's not working for any other industry abuses!

Filed Under

Predatory Lending Resulting in Mass Foreclosures

There's no need to discuss the rush to buy in the early 2000s when our economy was very much alive and interest rates were low.  We've always been taught to not live beyond our means.  Then along came subprime lenders telling folks they can qualify for their dream homes with creative new financing including interest-only ARMs and payment option plans.  Many believed they would be paying less or the same as a rental.  Credit histories and down payments didn't seem to matter because of the variations on the adjustable-rate mortgage (ARM), which is a loan where the interest rates go up or down.  The initial rate is susally fixed for 2-3 years so people could pay lower interest rates.  The lower the monthly cost, the more affordable it is for borrowers to get bigger loans.  Interest only is dangerous because at some point, the principle must be paid and borrowers end up owing a great deal more than the original loan amount.  With the payment-option loan, borrowers choose how much their monthly charges will be and again, people end up owing a lot more than the amount of the original loan. Reports indicate that approximately 34% of all new California mortgages in 2005 were interest only.  Everything might have been fine if these homeowners lived in their homes for a few years and real estate prices continued to climb. 

Now it's time to pay the piper because according to a First American CoreLogic study, "1/3 of ARMs taken out between 2004-2006 began with teaser rates below 4% and this year and next, about $260 billion in prime ARMs and $376 billion in subprime ARMs will beging to reset".  Kathleen Keest of the Center for Responsible Lending said that "the pairing of these new loan types and new pool of borrowers was dangerous.  They took the riskiest of products and sold them to the weakest borrowers to compound risk".

 How could this happen?  Regulators did little to nothing during the real estate boom to stop lending to borrowers who would never qualify.  The Federal Reserve and other federal regulators ignored any guidelines for these unconventional mortgages until last year.  So, after the fact, recommendations said lending institutions should have reviewed the borrower's ability to pay over the life of the loan and disclosures to consumers should be improved.  www.RealTrac.com tracks foreclosures as do most local newspapers.  The entire operation requires more than just the subprime lender. It often required appraisers, mortgage brokers, real estate agents and closing attorneys working with the seller to cram the deal through---like a mini whitel collar crime ring.   Some lender partners were so blatant and fraudulent that that they sold several homes in an area based on inflated appraisals for the individual to buy property and sell it to a real or dummy buyer at an inflated price and pocket the difference. 

Who's the real victim?  Borrowers out to make a quick buck taking the chance that the market would continue to flourish, gambled and lost.  Others were actually sought out using leads from undisclosed sources.   Considering the greed versus victim issue, is it fair that Washington Mutual plans to refinance $2 billion in subprime loans below market rates or for Citigroup and the Bank of America to work with an advocacy group to help with $1 billion in subprime mortgages?  Freddie Mac has committed to buying up to $20 billion of these loans and the state of Ohio has proposed a bond issue to help victimized homeowners.  In any case, the best plan is to immediately renegotiate to a fixed loan--- even if you have to do it over 40 years.  

 

 

Filed Under


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