Tag Archives: scam

Just Because it’s on Google Doesn’t Mean it’s Legit

Debt Ads on Google

Sample Ads for Debt Consolidation on Google

Consumers have way too much faith in what they read and hear online. The problem is that many people believe if it is written (or advertised) on the internet it must be true. We believe Wikipedia. And we believe all those ads on Google. And that’s the problem. Some of those ads are scams.

Lately, criminal organizations have found a new way to take advantage of the public. They place ads that prey on consumers who need help with their mortgages by promising debt consolidation and obligation reductions. When the consumers engage with these ads, they contact what they think is a legitimate organization. Instead, however, it’s a criminal collecting the person’s personal information and money without actually rendering any services.

Google just got in trouble once again for this and not policing their ads well enough. This is a tough challenge for Google. With millions of advertisers and billions of ads, how can it insure that all of its advertisers are ethical, or even just “not criminal”?

Consumers must educate themselves to research a business before they engage with it. Ironically, often the best way to research the business is also online – by Googling it. But you can also check to see if there are reviews about it, if there are complaints and you can do some basic detective work, such as whether the organization has a phone number, is based in the USA, has a mailing address (and not a PO box), and so on. One red flag is a web site with lots of grammar issues and no contact information.

Remember, you also “get what you pay for”. So if the deal seems too good to be true, it may in fact not be a deal at all. Go with trust, and learn to pay a premium for trust and quality and in the end you’ll be glad you did, as you will avoid being a victim as the result of trying to save a buck.

Go-Cart Tours San Francisco – Con Artists?

Just a reminder to all my friends and readers that I believe this business is operating a con by claiming you damaged their vehicles on your trip. I would be extremely cautious when considering this attraction and urge you to think twice.

http://www.tripadvisor.com/ShowUserReviews-g60713-d562111-r98294010-GoCar_GPS_Guided_Tours-San_Francisco_California.html

Poor Customer Service Case Study – Macy’s

Here’s a great example of what not to do if you are a business…

A few years ago, Macy’s converted my store credit card (which was probably a Visa or MasterCard) into an American Express card. I didn’t ask for this, they just did it. I of course could have cancelled the account at that time, but figure this was harmless.

When they converted the account, they fraudulently added “credit card protection” to my account. I’m not an idiot. No sane person would every authorize such a ridiculous thing.

I noticed a small charge on my account after I made a purchase. The charge was $3.34.

I called customer service and explained that I had not authorized this and politely requested that the charge be reversed.

Here’s where it gets interesting. In a normal case, if there’s a fraudulent charge, the credit card company will dispute it for you. But this charge was by a company that Macy’s is affiliated with. So, the rep said she would not reverse the charge and that I didn’t have all the facts.  After reiterating that I did not authorize this charge, she said that I didn’t have all the information and there’s proof I authorized the charge.

I’m sure there is no proof folks. How do I know this? Because I never authorized the service – Macy’s did when they converted the account over.

So, I said, “I will cancel my account if you don’t reverse the charge.” She did not, and I cancelled the account.

How stupid is Macy’s? They lost a customer over their mistake, and their mistake was only $3.34.

My only choice was to cancel on sheer principle alone.

Lesson: listen to your customers. Especially your good customers, with a good customer history who are reasonable people.

Lesson 2: Don’t offer products that are built upon false information or scams. No one needs “credit protection service”. If I told you that for 1% of your bank balance every month, I would ensure that your money was safe, would you pay that? No, you are not an idiot. But Macy’s thinks we all must be idiots.

Here’s the real twist. I called the credit protection vendor and had the charge reversed. They admitted on the phone that it was a mistake.