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    Your Moment of Trust

    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
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    Episodes (100)

    Beware of BBB Imposters!

    Beware of BBB Imposters!

    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.

     

    BBB Warning: Scams are Popping up on your Smart TV!

    BBB Warning:  Scams are Popping up on your Smart TV!

    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.

    BBB's Tips on Buying Tires

    BBB's Tips on Buying Tires

    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!

    BBB Warns Social Security Recipients to Beware Cost of Living Adjustment Scams

    BBB Warns Social Security Recipients to Beware Cost of Living Adjustment Scams

    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!

    An Up and Coming Neighborhood in Santa Barbara

    An Up and Coming Neighborhood in Santa Barbara

    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.

    Santa Barbara's Architectural Charm

    Santa Barbara's Architectural Charm

    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.

    BBB Tips to Get a Good Deal on a New or Used Car

    BBB Tips to Get a Good Deal on a New or Used Car

    Dating Scam Warnings from the BBB

    Dating Scam Warnings from the BBB

    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

    Show less

    BBB Exposes Weight Loss Scams

    BBB Exposes Weight Loss Scams

    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!

    Play Responsibly--Sports Betting Tips from BBB of the Tri-Counties

    Play Responsibly--Sports Betting Tips from BBB of the Tri-Counties

    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

    BBB Gives Advice on Choosing Help with your Tax Preparations

    BBB Gives Advice on Choosing Help with your Tax Preparations

    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!

    BBB Tips on Choosing a Gym Membership

    BBB Tips on Choosing a Gym Membership

    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.

    Your Moment of Trust
    enJanuary 19, 2023

    BBB's Online Resolutions to Stay Safe Online

    BBB's Online Resolutions to Stay Safe Online

    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.

    BBB Shares Tips to Spot Coupon Scams

    BBB Shares Tips to Spot Coupon Scams

    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.

    BBB of the Tri-Counties and the Santa Barbara County DA's Office Join Forces

    BBB of the Tri-Counties and the Santa Barbara County DA's Office Join Forces

    Crooks are Luring Customers Off of Site Like Etsy to Fraudulant Sites

    Crooks are Luring Customers Off of Site Like Etsy to Fraudulant Sites

    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.

    Your Moment of Trust
    enDecember 22, 2022

    Avoid Impersonation Scams this Holiday Season

    Avoid Impersonation Scams this Holiday Season

    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.

    Tips to Choose and Store Passwords to Keep you Safe Online

    Tips to Choose and Store Passwords to Keep you Safe Online

    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.

    BBB Warns Consumers about Delivery Scams

    BBB Warns Consumers about Delivery Scams

    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.  

    Advent Calendars are BIG Business: Tips to Getting your Money's Worth

    Advent Calendars are BIG Business:  Tips to Getting your Money's Worth

    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

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