Consumer.ftc.gov

Scam Alerts | FTC Consumer Information

There are thousands of trials underway as companies race to find effective vaccines and treatments for COVID-19. Many of these research studies are legitimate, but some are not.

Actived: Sunday Nov 29, 2020

URL: https://www.consumer.ftc.gov/features/scam-alerts/

Discount Plan or Health Insurance? | FTC Consumer Information

Details: Health Insurance vs. Discount Plans. If you buy a health insurance plan, it generally covers a broad range of services, and pays you or your health care provider for a portion of your medical bills. With a medical discount plan, you generally pay a monthly fee to get discounts on specific services or products from a list of participating providers.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/articles/0165-discount-plan-or-health-insurance Go Now

› Get more:  Medical,  HealthGo Now

Credit Insurance | FTC Consumer Information

Details: Credit insurance usually is optional, which means you don't have to purchase it from the lender. In fact, the Federal Trade Commission (FTC), the nation's consumer protection agency, says it's against the law for a lender to deceptively include credit insurance (or other optional products) in your loan without your knowledge or permission.

› Verified 7 days ago

› Url: https://www.consumer.ftc.gov/articles/0110-credit-insurance Go Now

› Get more:  Insurance QuotesGo Now

Health & Fitness | FTC Consumer Information

Details: When you’re shopping for health insurance, beauty products, or other health-related goods, it pays to do some research before you spend any money. Treatments & Cures When it comes to treatments for health conditions, it can be tough to tell useful products and services from those that don’t work or aren’t safe.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/health Go Now

› Get more:  HealthGo Now

health insurance | FTC Consumer Information

Details: A thief may use your name or health insurance numbers to see a doctor, get prescription drugs, file claims with your insurance provider, or get other care. If the thief’s health information is mixed with yours, your treatment, insurance and

› Verified 6 days ago

› Url: https://www.consumer.ftc.gov/taxonomy/term/1632 Go Now

› Get more:  HealthGo Now

Medical Identity Theft | FTC Consumer Information

Details: Medical identity thieves may pretend to work for an insurance company, doctor's offices, clinic, or pharmacy to try to trick you into revealing sensitive information. Don’t share medical or insurance information by phone or email unless you initiated the contact and know who you’re dealing with.

› Verified 2 days ago

› Url: https://www.consumer.ftc.gov/articles/0171-medical-identity-theft Go Now

› Get more:  MedicalGo Now

Prescreened Credit and Insurance Offers | FTC Consumer

Details: Many companies that solicit new credit card accounts and insurance policies use prescreening to identify potential customers for the products they offer. Prescreened offers — sometimes called "preapproved" offers — are based on information in your credit report that indicates you meet criteria set by the offeror.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/articles/0148-prescreened-credit-and-insurance-offers Go Now

› Get more:  Insurance QuotesGo Now

Consumer Information | Federal Trade Commission

Details: Spot and avoid scams and unfair, deceptive, and fraudulent business practices with tips from the FTC, America’s consumer protection agency.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/ Go Now

› Get more:  BusinessGo Now

Advance-Fee Loans | FTC Consumer Information

Details: Any up-front fee that the lender wants to collect before granting the loan is a cue to walk away, especially if you’re told it’s for “insurance,” “processing,” or just “paperwork.” Legitimate lenders often charge application, appraisal, or credit report fees.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/articles/0078-advance-fee-loans Go Now

› Get more:  Insurance QuotesGo Now

How to File a Complaint | FTC Consumer Information

Details: Complaints help the FTC and other law enforcement agencies bring scam artists to justice and put an end to unfair and misleading business practices.

› Verified 2 days ago

› Url: https://www.consumer.ftc.gov/media/video-0054-how-file-complaint Go Now

› Get more:  BusinessGo Now

Stopping Unsolicited Mail, Phone Calls, and Email | FTC

Details: If you decide that you don't want to receive prescreened offers of credit and insurance, you have two choices: You can opt out of receiving them for five years or opt out of receiving them permanently. To opt out for five years: Call toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit www.optoutprescreen.com. The phone number and website are

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/articles/0262-stopping-unsolicited-mail-phone-calls-and-email Go Now

› Get more:  Insurance QuotesGo Now

Is a scammer getting unemployment benefits in your name

Details: In a large-scale scam erupting in the midst of the Coronavirus pandemic, imposters are filing claims for unemployment benefits, using the names and personal information of people who have not filed claims.

› Verified 2 days ago

› Url: https://www.consumer.ftc.gov/blog/2020/06/scammer-getting-unemployment-benefits-your-name Go Now

› Get more:  Insurance QuotesGo Now

Credit Freeze FAQs | FTC Consumer Information

Details: You still need to monitor all bank, credit card and insurance statements for fraudulent transactions. Does a credit freeze stop prescreened credit offers? No. If you want to stop getting prescreened offers of credit, call 888-5OPTOUT (888-567-8688) or go online. The phone number and website are operated by the nationwide credit bureaus.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs Go Now

› Get more:  BankGo Now

Auto Warranties & Routine Maintenance | FTC Consumer

Details: What is a warranty? A warranty is a promise, often made by a manufacturer, to stand behind its product or to fix certain defects or malfunctions over a period of time.

› Verified 3 days ago

› Url: https://www.consumer.ftc.gov/articles/0138-auto-warranties-routine-maintenance Go Now

› Get more:  Insurance QuotesGo Now

Job Scams | FTC Consumer Information

Details: Signs of a Job Scam. Scammers advertise jobs where legitimate employers do — online, in newspapers, and even on TV and radio. Here’s how to tell whether a job lead may be a scam:

› Verified 3 days ago

› Url: https://www.consumer.ftc.gov/articles/0243-job-scams Go Now

› Get more:  Insurance QuotesGo Now

COVID-19 ruined my travel plans. Now what? | FTC Consumer

Details: The travel company gave me 75% of trip and told me to file a claim thru my travel insurance, which I did. I was denied payment from the travel insurance company because the fact that the trip was cancelled by the travel company due to COVID19 restrictions isn't one of the 9 reasons for reimbursement.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/blog/2020/05/covid-19-ruined-my-travel-plans-now-what Go Now

› Get more:  TravelGo Now

Auto Service Contracts and Warranties | FTC Consumer

Details: Insurance regulations generally require companies to: maintain an adequate financial reserve to pay claims. base their contract fees on expected claims. Some service contract providers have been known to make huge profits because the cost of their contracts far exceeds the cost of repairs or services they provide.

› Verified 3 days ago

› Url: https://www.consumer.ftc.gov/articles/0054-auto-service-contracts-and-warranties Go Now

› Get more:  Insurance QuotesGo Now

Phone Scams | FTC Consumer Information

Details: One thing you can count on is that a phone scammer will try to get your money or your personal information to commit identity theft.Don’t give it to them. Here’s what you need to know.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/articles/0208-phone-scams Go Now

› Get more:  Insurance QuotesGo Now

Suspect A Health Care Scam? | FTC Consumer Information

Details: Insurance agents. Someone claiming to be an insurance agent gets in touch to say you should “act now” to get your new insurance. They may promise to get you a special deal or help you avoid a penalty. Or they might say they can help you avoid losing access to your current doctors under Medicare – unless you sign up for a Medicare

› Verified 2 days ago

› Url: https://www.consumer.ftc.gov/articles/0394-suspect-health-care-scam Go Now

› Get more:  MedicareGo Now

Privacy Choices for Your Personal Financial Information

Details: Federal Deposit Insurance Corporation. Regulates state-chartered banks that are not members of the Federal Reserve System. Division of Compliance and Consumer Affairs 550 17th Street, NW Washington, DC 20429 877-ASK-FDIC or 877-275-3342 toll-free. Federal Trade Commission

› Verified 2 days ago

› Url: https://www.consumer.ftc.gov/articles/0222-privacy-choices-your-personal-financial-information Go Now

› Get more:  BankGo Now

How to write an effective complaint letter | FTC Consumer

Details: The Medigap Insurance comes out of my checking account monthly. I have stopped taking all medications prescribed for me by PCP, because, first I can't afford them, second, they are not working to her satisfaction and she keeps prescribing more. I was trusting, naïve, stupid. I now grasp the meaning of the phrase “it is what it is”.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/blog/2015/09/how-write-effective-complaint-letter Go Now

› Get more:  Insurance QuotesGo Now

Reverse Mortgages | FTC Consumer Information

Details: Taxes and insurance still must be paid on the loan, and your home must be maintained. With HECMs, there is a limit on how much you can take out the first year. Your lender will calculate how much you can borrow, based on your age, the interest rate, the value of your home, and your financial assessment.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/articles/0192-reverse-mortgages Go Now

› Get more:  Insurance QuotesGo Now

Identity Theft Protection Services | FTC Consumer Information

Details: The insurance generally doesn’t reimburse you for any stolen money or financial loss resulting from the theft. As with any insurance policy, there may be a deductible, as well as limitations and exclusions. Also, most policies don’t pay if your loss is otherwise covered by your homeowner’s or renter’s insurance.

› Verified 2 days ago

› Url: https://www.consumer.ftc.gov/articles/0235-identity-theft-protection-services Go Now

› Get more:  HomeownerGo Now

Making Payments to Your Mortgage Servicer | FTC Consumer

Details: Force Placed Insurance. It’s important to maintain the required property insurance on your home. If you don’t, your servicer can buy insurance on your behalf. This type of policy is known as force placed insurance. It usually costs more than typical insurance even though it provides less coverage.

› Verified 3 days ago

› Url: https://www.consumer.ftc.gov/articles/0190-making-payments-your-mortgage-servicer Go Now

› Get more:  Insurance QuotesGo Now

Limiting Unwanted Calls & Emails | FTC Consumer Information

Details: Spot and avoid scams and unfair, deceptive, and fraudulent business practices with tips from the FTC, America’s consumer protection agency.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/topics/limiting-unwanted-calls-emails Go Now

› Get more:  BusinessGo Now

How to Spot, Avoid and Report Fake Check Scams | FTC

Details: Car wrap decals.People interested in car wrap advertising are told to deposit checks and send money to decal installers — who don’t exist.; Claiming prizes.Sweepstakes “winners” are given checks and told to send money to cover taxes, shipping and handling charges, or processing fees. But that’s not how legitimate sweepstakes work. Overpayments.

› Verified 2 days ago

› Url: https://www.consumer.ftc.gov/articles/how-spot-avoid-and-report-fake-check-scams Go Now

› Get more:  Insurance QuotesGo Now

Hiring a Contractor | FTC Consumer Information

Details: Finding a Contractor. Depending on how big or complex a project is, you might hire a: general contractor, who manages all aspects of a project, including hiring and supervising subcontractors, getting building permits, and scheduling inspections; specialty contractor, who installs particular products like cabinets and bathroom fixtures; architect, who designs homes, additions, and major

› Verified 5 days ago

› Url: https://www.consumer.ftc.gov/articles/0242-hiring-contractor Go Now

› Get more:  Insurance QuotesGo Now

Credit Card Loss Protection | FTC Consumer Information

Details: Don't buy the pitch - and don't buy the "loss protection" insurance. Telephone scam artists are lying to get people to buy worthless credit card loss protection and insurance programs. If you didn't authorize a charge, don't pay it. Follow your credit card issuer's procedures for disputing charges you haven't authorized.

› Verified 7 days ago

› Url: https://www.consumer.ftc.gov/articles/0093-credit-card-loss-protection Go Now

› Get more:  Insurance QuotesGo Now

Government Imposter Scams | FTC Consumer Information

Details: The truth is that no government agency or insurance company is involved, and there are no winnings. There never were. Scammers take the money you paid them and disappear. You Owe a Fake Debt. You might get a call or an official-looking letter that has your correct name, address and Social Security number.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/articles/0048-government-imposter-scams Go Now

› Get more:  Insurance QuotesGo Now

Scam Alerts | FTC Consumer Information

Details: There are thousands of trials underway as companies race to find effective vaccines and treatments for COVID-19. Many of these research studies are legitimate, but some are not.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/features/scam-alerts/ Go Now

› Get more:  Insurance QuotesGo Now

National Do Not Call Registry | FTC Consumer Information

Details: The National Do Not Call Registry was created to stop unwanted sales calls.It’s free to register your home or mobile phone number. If you’ve already added your phone number to the Do Not Call Registry and are still getting a lot of unwanted calls, odds are the calls are from scammers.Read about blocking unwanted calls to find out what to do about them.

› Verified 2 days ago

› Url: https://www.consumer.ftc.gov/articles/0108-national-do-not-call-registry Go Now

› Get more:  Insurance QuotesGo Now

Robocalls | FTC Consumer Information

Details: If you answer the phone and hear a recorded message instead of a live person, it's a robocall. If you’re getting a lot of robocalls trying to sell you something, odds are the calls are illegal.

› Verified 2 days ago

› Url: https://www.consumer.ftc.gov/articles/0259-robocalls Go Now

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Spam | FTC Consumer Information

Details: Unwanted commercial email – also known as "spam" – can be annoying. Worse, it can include bogus offers that could cost you time and money.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/articles/0038-spam Go Now

› Get more:  Insurance QuotesGo Now

Credit Scores | FTC Consumer Information

Details: Some insurance companies also use credit report information, along with other factors, to help predict your likelihood of filing an insurance claim and the amount of the claim. They may consider this information when they decide whether to grant you insurance and the amount of the premium they charge.

› Verified 3 days ago

› Url: https://www.consumer.ftc.gov/articles/0152-credit-scores Go Now

› Get more:  Insurance QuotesGo Now

Sample Letter for Disputing Billing Errors | FTC Consumer

Details: Credit Insurance; Credit Scores; Credit, Debit, and Charge Cards; Dealing with a Weather Emergency: Getting Back on Your Feet Financially; Disputing Errors on Credit Reports; Fair Credit Billing; Fixing Your Credit; Free Credit Reports; Online Payday Lenders; Payday Loans; Prescreened Credit and Insurance Offers; Protecting Against Credit Card

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/articles/0385-sample-letter-disputing-billing-errors Go Now

› Get more:  LoansGo Now

Automatic Debit Scams | FTC Consumer Information

Details: Credit Insurance; Credit Scores; Credit, Debit, and Charge Cards; Dealing with a Weather Emergency: Getting Back on Your Feet Financially; Disputing Errors on Credit Reports; Fair Credit Billing; Fixing Your Credit; Free Credit Reports; Online Payday Lenders; Payday Loans; Prescreened Credit and Insurance Offers; Protecting Against Credit Card

› Verified 2 days ago

› Url: https://www.consumer.ftc.gov/articles/0196-automatic-debit-scams Go Now

› Get more:  LoansGo Now

The Telemarketing Sales Rule | FTC Consumer Information

Details: The Federal Trade Commission’s Telemarketing Sales Rule (TSR) puts you in charge of the number of telemarketing calls you get at home. The TSR established the National Do Not Call Registry, which makes it easier and more efficient for you to reduce the number of unwanted telemarketing sales calls you get.

› Verified 6 days ago

› Url: https://www.consumer.ftc.gov/articles/0198-telemarketing-sales-rule Go Now

› Get more:  Insurance QuotesGo Now

Disputing a charge? Know your rights | FTC Consumer

Details: It is about time that these people start being held accountable for their actions, as for the health insurance, well thanks oba care I signed up and got the welcome packet saying g that "this does not meet the federal requirements for help insurance" so I dropped it only for that company to remove 1655.00 from my checking account alost a year later, unauthorized, not once but twice and it cost

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/blog/2016/05/disputing-charge-know-your-rights Go Now

› Get more:  HealthGo Now

Protect yourself against Medicare scams | FTC Consumer

Details: First of all my name is NOT James and am a woman and secondly I have never applied for or looked into a medical insurance plan online. I can't make the calls stop! I am going banana's! My phone is constantly receiving calls on average of every 7-10min now from them and it has interrupted my regular everyday life to handle my personal calls.

› Verified 3 days ago

› Url: https://www.consumer.ftc.gov/blog/2019/03/protect-yourself-against-medicare-scams Go Now

› Get more:  Medical,  LifeGo Now

Identity Theft | FTC Consumer Information

Details: While identity theft can happen to anyone, there are some things you can do to reduce your risk. If you think someone is using your personal information to open accounts, file taxes, or make purchases, visit IdentityTheft.gov to report and recover from identity theft. Looking for identity theft resources to share in your community?

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/topics/identity-theft Go Now

› Get more:  Insurance QuotesGo Now

A pack rat’s guide to shredding | FTC Consumer Information

Details: Most experts suggest that you can shred many other documents sooner than seven years. After paying credit card or utility bills, shred them immediately. Also, shred sales receipts, unless related to warranties, taxes, or insurance. After one year, shred bank statements, pay stubs, and medical bills (unless you have an unresolved insurance dispute).

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/blog/2015/05/pack-rats-guide-shredding Go Now

› Get more:  Bank,  MedicalGo Now

Buying a Used Car | FTC Consumer Information

Details: The National Insurance Crime Bureau (NICB) maintains a free database that includes flood damage and other information. You can investigate a car's history by its Vehicle Identification Number (VIN). You also can search online for companies that sell vehicle history reports. If the report isn't recent or you suspect that it has missing or

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/articles/0055-buying-used-car Go Now

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FTC sues telemarketers over Do Not Call violations | FTC

Details: I have to agree with you. I got maybe 1 call every so often.. the I registered with the Do Not Call list and now I get them all the time. And today for some reason I have gotten 48 calls a 5 texts all about health insurance since 8:28 this morning and its 2:29 now. What the heck!

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/blog/2018/03/ftc-sues-telemarketers-over-do-not-call-violations Go Now

› Get more:  HealthGo Now

Buying prescription eyeglasses? Your rights are clear

Details: I got a complete eye exam and purchased both contacts and glasses from my local Pearle Vision ( aprrox. $275.00 after insurance). I'd now like to buy a second pair of glasses online to have as a spare. I called Pearle Vision for the OD (occular distance) since that part wasn't filled in on the prescription form.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/blog/2016/05/buying-prescription-eyeglasses-your-rights-are-clear Go Now

› Get more:  Insurance QuotesGo Now

Miracle Health Claims | FTC Consumer Information

Details: Fraudulently marketed health products can have dangerous interactions with medicines people are already taking, and can keep them from getting a proper diagnosis and treatment from their own health care professional. Many unapproved treatments are expensive, too, and rarely covered by health insurance.

› Verified 1 days ago

› Url: https://www.consumer.ftc.gov/articles/0167-miracle-health-claims Go Now

› Get more:  HealthGo Now

Renting a Car | FTC Consumer Information

Details: Read your insurance policies for specifics, and call your insurers if you're uncertain about the coverage. If you're traveling on business, you may be covered under your employer’s insurance. Some credit card companies and motor clubs provide members with free rental protection when you use their cards to pay for rentals.

› Verified 3 days ago

› Url: https://www.consumer.ftc.gov/articles/0208-renting-car Go Now

› Get more:  Business,  TravelGo Now

Renting & Timeshares | FTC Consumer Information

Details: Spot and avoid scams and unfair, deceptive, and fraudulent business practices with tips from the FTC, America’s consumer protection agency.

› Verified 7 days ago

› Url: https://www.consumer.ftc.gov/topics/renting-timeshares Go Now

› Get more:  BusinessGo Now

Getting Mortgage Offers? | FTC Consumer Information

Details: Credit bureaus and other consumer reporting companies sell lists of consumers who meet the criteria to insurance companies, lenders, and other creditors. When you apply for a mortgage, the lender usually gets a copy of your credit report. At that point, an “inquiry” appears on your report showing that the lender has looked at it.

› Verified 4 days ago

› Url: https://www.consumer.ftc.gov/articles/0127-getting-mortgage-offers Go Now

› Get more:  MortgageGo Now

Generic Drugs and Low-Cost Prescriptions | FTC Consumer

Details: have used their insurance’s annual allowance; But the programs have qualification standards. Your income and the cost of the drugs you need can affect whether you qualify. Information on these programs is free — and publicly available — from your physician, pharmacists, and the government. Where To Learn More For more on generic drugs

› Verified 5 hours ago

› Url: https://www.consumer.ftc.gov/articles/0063-generic-drugs-and-low-cost-prescriptions Go Now

› Get more:  Insurance QuotesGo Now

Financing or Leasing a Car | FTC Consumer Information

Details: You also will need to account for the cost of insurance, which may vary depending on the type of car you buy, and other factors. Term. 4 Years – 48 months. 5 Years – 60 Months. Purchase Price. $34,000 . $34,000. Taxes, Title and Required Fees . Down Payment (20%) $2,200. $7,240. $2,200. $7,240. Amount Financed. $28,960. $28,960. Contract

› Verified 11 hours ago

› Url: https://www.consumer.ftc.gov/articles/0056-financing-or-leasing-car Go Now

› Get more:  FinanceGo Now

Shopping for Funeral Services | FTC Consumer Information

Details: Funeral Planning Tips. Many funeral providers offer various “packages” of goods and services for different kinds of funerals. When you arrange for a funeral, you have the right to buy goods and services separately.

› Verified 2 hours ago

› Url: https://www.consumer.ftc.gov/articles/0070-shopping-funeral-services Go Now

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