bbb of the tri-counties

Welcome to this week’s edition of Your Moment of Trust! National experts are predicting an increase in spending this holiday season. There is also a concern if many of the items on consumers' holiday lists will be available on the shelf or online and are faced with the disappointing words: “Sorry, this item is currently out of stock.” That’s especially true when there are challenges with supply chains.

But does that mean the words “out of stock” are the end of the line? Not at all. With a little determination and some creative thinking, the item might be found and purchased. Here are BBB’s tips for finding items that are sold out in stores.

How to buy out-of-stock items

● Try a different store. Avoid limiting the search to the most popular brick-and-mortar stores. Consider researching multiple vendors’ websites to see who is carrying stock. If the large chain stores are out of what you need, try a reputable independent shop or a different type of store entirely. For example, when toilet paper was in short supply at grocery stores, some consumers found stock in unlikely places, such as hardware stores, restaurant suppliers, or office supply stores.

● Check websites frequently. If there is an item out of stock when shopping online, don’t give up hope right away. Bookmark the product page and check back daily. Many vendors restock high-demand products on a regular basis.

● Sign up for restock alerts. Many companies offer restock alerts, which are usually sent by email. For example, on Amazon, look for an availability alert on a product's information page. Amazon will send an e-mail when the item becomes available. Keep in mind, you still have to go to the website or store to make the purchase once the alert arrives.

● Go straight to the product’s source. If a brand name item isn’t available from a favorite retailer, check the brand’s official website to see if it’s in stock there. If not, consider getting in touch by emailing customer service or reaching out through social media.

● Take advantage of return policies. If you suspect that an item will sell out quickly but you aren’t sure if you really need or want it, review the store’s return policy. If a store gives you the option to return an item and offer a refund, you may want to purchase the item as soon as it’s available. You can always send it back if it doesn’t fit your needs, but you may regret not purchasing if the stock runs out for good.

● Search for products on resale sites. If a product appears to be gone for good, don’t lose hope just yet. Some resale sites may offer hard-to-find products. That said, watch out for scammers when looking for this year’s hottest toy or a product that is very popular. Con artists prey on desperate shoppers by pretending to have an item that is impossible to find, accepting payments, and then never delivering the product.

● Consider a personal shopping service. Personal shoppers can do the heavy lifting if there is a very specific product you are hunting for. Be sure to read reviews and ask for recommendations from friends and family members before deciding to hire.

● Try out a subscription service. Subscription services offer regular deliveries of cleaning products, clothing and more. If the local stores are running out of fresh produce, for example, consider a meal delivery service.

● Be patient. Sometimes, despite the best efforts, it just may not be possible to find most popular items. If this happens to you, be patient. You may have to wait a few months until suppliers can meet consumers’ demands.

Until next time!

A podcast by BBB of the Tri-Counties  A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast!  

Welcome to this week’s edition of Your Moment of Trust! You’ve likely heard ads on the
TV or radio about the Camp Lejeune class action lawsuit for U.S. military veterans and
their families exposed to tainted water at the camp. Marketing agencies and law firms
spent over $40 million advertising the lawsuit. Now, scammers are jumping on board
too, hoping all the media attention makes it easier to trick people, especially military
personnel, into falling for common scam tactics.

How the scam works

You receive an email or phone call telling you you qualify for compensation for the
Camp Lejeune class action lawsuit. The email may claim you are entitled to tens of
thousands of dollars. You need to click a link or call a number to get your compensation.
For example, one recent target told BBB Scam Tracker: “[The caller] said they were
representing Camp Lejeune and needed information about my brother who served in
the military. Since he died years ago from cancer, they said I had $5,000,000 waiting in
compensation from the Marines.”

From here, the scam takes several different forms. Clicking the link could download
malware onto your computer or mobile device, putting you at risk for identity theft. In
other versions, scammers direct you to a website with a form that asks for personal
information. In yet another variation, the scammers are after your money and personal
details. They claim you need to pay an upfront fee, so they can file your case and
receive your money. If you pay them, they’ll continue to ask for more “filing fees” until
you become suspicious. As soon as you realize the con, the scammer will disappear
with your information and money.

How to avoid class action lawsuit scams

● Don't believe in promises of quick cash with minimal effort. Scammers love to
promise that fast cash is in your immediate future. The reality is even
well-deserved compensation will take time to receive. It’s worth noting, too, that
veterans who served at Camp Lejeune can apply for VA disability compensation
and health care benefits without filing a lawsuit or getting help from a lawyer.

● Never click on links in suspicious emails. Be wary of unsolicited emails in
general. Please don’t click on the links they contain, as they could lead you to
fake websites or download malware onto your computer.
● Stay alert to variations of this scam. Emails aren’t the only way scammers may
try to contact you about this and other class action lawsuits. Keep your eye out
for similar scams sent via text messages, phone calls, or even mail.
● If you think you deserve compensation, apply through official channels. Visit
VA.gov/CampLejeune for official information on how to apply for compensation.
You can file for disability compensation online and learn what steps to take to file
a Camp Lejeune lawsuit.
● Only work with reputable representatives. If you are ready to file a claim or
appeal and need help, don’t settle for working with the first lawyer who pops up
on a TV ad. Instead, do thorough research before choosing a legal representative. Get to know all your options, including working with an accredited attorney or a Veterans Service Officer (VSO).

Until next time!

A Podcast by BBB of the Tri-Counties:  https://www.bbb.org/local-bbb/bbb-of-the-tri-counties

A BIG thank you to Ayers Automotive Repair in Santa Barbara, for supporting this podcast. https://www.ayersrepairs.com

Welcome to this week's edition of Your Moment of Trust!

Zombie debt is defined as debt that has been “raised from the dead,” so to
speak. It could even be something you never owed at all.  When a person doesn’t pay a debt, the lender will take action – by phone, letter, or even a court case – to collect the money they are owed. In some cases, though, the debtor simply can’t pay or can’t be found. In other cases, the debtor files for bankruptcy and, depending on the kind of debt owed, the debt may be put on hold, renegotiated or discharged completely.  Sometimes, this old debt comes back to life.

Some of the most common scenarios of zombie debt are the following:

● Unpaid debts that are beyond the statute of limitations when you can be taken to
court for payment
● Unpaid debts you owe but forgot about
● Unpaid debts wiped out with bankruptcy
● Debts you already settled with the creditor
● Fraudulent charges from identity theft
● Fake debts “creditors” claim you owe as part of a scam

How does debt come back to life?

Creditors often remove old debt from their ledgers and sell it to third-party collectors. In
some cases, the debts are legitimate, but in other cases, they aren’t. When debts are
sold and re-sold, the records may be incomplete or inaccurate. Think of it as a game of
“telephone.” The more times a debt is passed around, the more chance that the related
information is wrong.

When debt collectors call

The legal treatment of old debt will depend on where you live and the type of debt in
question. Depending on the law, debt collectors are not allowed to sue for old debt if the
statute of limitations has expired, however, they are still allowed to contact you and ask
to pay off the old debt. Check the statute of limitations for each U.S. state and Canadian
province for more information. However, if you start to make payments or acknowledge the debt in some way, the action may restore the collection agency’s legal right to take the matter to court. Never agree to make a payment on a debt you aren’t sure about, even if the collection agency puts pressure on you for payment.

The best way to start is by doing a thorough investigation. Search through old records to
find bank statements and notices of payment. Gather as many facts as possible about
the debt in question. Next, within 35 days of initial contact and without acknowledging
the debt is yours, ask the creditor for a debt validation letter. The Fair Debt Collection
Practices Act (FDCPA) requires the debt collection agency to provide you with written
proof of the debt’s validity or a judgment against you, as well as the name and address
of the original creditor if the debt was resold. Once this information is gathered,
determine if the debt is really yours and if it still needs to be paid.

If you determine the debt was yours, but you already paid it, write a letter to the
collections agency and demand that they cease contact. Include proof of payment if
available. The collections agency is legally required to stop contacting you under the
FDCPA.

If you determine the debt is not yours or is invalid, write a letter challenging its validity
and where applicable, include any proof you may have. If you determine you do owe the funds and you can pay the debt, resolve the issue by first getting a payment agreement in writing and then eliminating your unresolved debt.  If you determine you do owe the funds, but you can’t pay the debt, you can pursue debt relief through bankruptcy or credit counseling.

When deciding what route to take, keep in mind that once a debt is past the statute of
limitations, collectors can no longer sue you to get payment. In addition, the FDCPA
stipulates that any unpaid debts should be removed from a person’s credit score after
seven years. If you decide to begin paying or pay in full an old debt, it could restart the
statute of limitations and affect your credit.

Learn more about ways your identity can be compromised without you even knowing it.
If you need to contact a collection agency to dispute a debt, request a debt validation
letter or ask the collection agency to cease contact, use these templates on Consumer.gov.

Remember that while most debt collection agencies are legitimate, there may be times
when a scammer is phishing for information. For more information on how to avoid this scheme, visit BBB.org/AvoidScams. If you’ve been targeted by a debt collection scam,
be sure to report it to BBB.org/ScamTracker.

This Podcast is Brought to you by BBB of the Tri-Counties

A BIG thank you to Ayers Automotive Repairs of Santa Barbara for supporting this podcast!  

Welcome to this week’s edition of Your Moment of Trust!

One of scammers' favorite tactics is impersonating a person or organization you know and trust. That's the premise of this new text message scam, which has been popping up in recent BBB Scam Tracker reports. This time, con artists are impersonating your bank.

How the scam works

You receive a text message that looks like a fraud alert from your bank. It claims there is some unusual activity in your account. It may read: "Bank Fraud Alert – Did you approve a transaction for $1,000? Reply YES or NO." If you reply to the text, the scammer now knows they have an active number – and a person to scam.
The scam doesn't end there. The scammer will call you to follow up, and the number will appear in the caller ID as coming from your bank. When you answer, the caller claims to be a bank representative who can help stop the fraudulent charges. To do so, you need to send money to yourself using Zelle or another digital wallet app. The caller walks you through connecting the app to your bank account. Then, they ask you to verify the connection by sharing the code your bank sent.  Don't do it! If you give the scammer your verification code, they can set up an account with your phone number and email – but their bank account information. If that happens,
when you send money to "yourself," you're sending money to the scammer. Disputing the charges will be difficult because the scammer has tricked you into approving the transaction. Sending money through a digital wallet app is like using cash, making it hard to get your money back. One consumer reported this experience to BBB Scam Tracker: "I received two texts stating it was the Wells Fargo Fraud Department wanting to know if I had made a Zelle transfer… I responded no and immediately got another text stating, 'Thank you, no further action is needed, a representative will call you from 800-869-3556.' Within a few minutes, I got a call from an individual stating they were with the Wells Fargo fraud department. The caller ID on my phone said Wells Fargo, and the person said they could reverse the transaction if I sign into my online account and open the Zelle app. I did this and the caller asked if I saw my name. I told him I saw my name in two places. It looked like I would be sending money to myself. The caller said everything was fine and
the money would come back to my account. After the call ended, I got two texts stating funds for $2,500 and $1,000 would be deposited in my Wells Fargo account. I went back into my account and there was no evidence of any deposits. What I did see was $3,500 taken out of my account and a zero account balance."

How to avoid bank fraud scams

● Understand your bank's policies. Know that your bank will never ask you to send
money to yourself. If someone tries to convince you otherwise, it's a scam.
● Watch out for fake caller IDs. Scammers can spoof caller ID names and numbers
to make you think you are receiving a call from a reputable source. If you weren't
expecting to be contacted by your bank, it's best to avoid answering. Instead, call
the number on the back of your ATM card to confirm that there is an issue.
● Never share one-time passcodes. Scammers can use one-time passcodes from
your bank or any other company to access your accounts and change
information. Don't share them with anyone, no exceptions.
● Contact your bank if you suspect a scam. If you receive an unsolicited call, text,
or email that you suspect is a scam, contact your bank immediately and let them
know.
● Don't reply to suspicious texts. Ignore any instructions to reply yes or no if you
receive an unsolicited, suspicious text message. If you reply to a scammer, they
could save your number as "active" and target you with future scams.
For more information
See the related BBB Scam Alert about phony banking texts and calls and review the
BBB Tip on avoiding impostor scams.
If you spot a scam, report it to BBB Scam Tracker. Your report can help others avoid
falling victim to similar scams.

Until next time!

A podcast by BBB of the Tri-Counties

A BIG thank you to Ayers Repairs in Santa Barbara for supporting this podcast.

Welcome to this week’s edition of Your Moment of Trust!

“Honey, we have a problem with the sink…”  When your significant other says those words, it’s never a good sign.  Having a reliable plumbing system is something that many take for granted. It’s plumbing that allows clean water to flow into your home and dirty wastewater to flow out. When that service is interrupted, and it’s not just a minor problem – you need it
fixed, and fast.  But how do you know whether to grab your tools (or a plunger) and head to the bathroom, or grab the phone and call a (BBB Accredited) plumber instead? When is the
plumbing problem too big for you and best left to the experts? When the situation
threatens your health and safety, your comfort and sense of security, and your home’s
value – you want to be sure it gets fixed correctly.

Safety and health

First and foremost, the health and safety of your family takes priority. Can you safely
and effectively resolve the problem, or does this fix need to be handled by a
professional?

Here are some examples of plumbing situations that could potentially cause safety
risks:

· Sewer backups or standing water – sewer blockages can be caused by something
flushed in the toilet, or by tree roots growing into your pipes. You’ll notice a terrible
smell, and sewage or dirty water may start coming up into your drains, causing a health
hazard.
· Burst pipes – cold weather often results in frozen pipes, and older pipes can rust.
Water rushing into your house can cause structural problems, like a collapsed ceiling or
damaged floors, that compromise your safety.
· Mold – if a leaky pipe has caused mold to grow, you could have a health issue.
Get a plumber to fix the pipe and a mold remediation company to help you get rid of the
unhealthy mold.

Comfort and security

A plumbing issue can also impact you and your family’s comfort and sense of security. If
a plunger won’t fix the problem, maybe it’s time to call an expert.

· Overflowing toilets – if you’ve tried plunging and the water won’t stop flowing, shut
off the valve at the bottom where the water comes in and give the plumber a call.
Nobody wants to be without a bathroom when nature calls.

· Clogged drains – if you’ve tried to unclog your sink or tub but there is no water
getting through, you may have a blockage that requires a plumber’s assistance. Your
teenager isn’t going to like being told that she can’t take a shower, so it’s best to get that
fixed quickly.

· Water heater failure – lack of hot water can impact more than just a hot shower.
You could end up with damaged floors if your tank leaks. A lack of heated water could
also lead to burst pipes in a cold climate. If your heater uses natural gas, you may even
have a safety issue (leave the home and call the police if you smell a rotten egg smell).

· Sump pump problems – if you live in a low-lying area and have a sump pump, you
could have serious water damage if the pump fails. If you notice loud noises or odd
behavior, call in a pro.

· No water/water pressure – If you don’t have any water or your water pressure is
very low, but you don’t know why, tearing down your own walls or digging up your yard
to find the problem yourself probably isn’t the best solution. Call in an expert plumber to
diagnose your problem.

Home value

Other plumbing issues may impact the value of your home when it comes time to sell or
relocate. Consider hiring a plumber if you have these issues and can’t fix them on your
own:

· Outdated pipes and plumbing fixtures
· A septic system that needs to be maintained or pumped
· A leak that has caused water damage or mold
· An outside faucet that leaks water into your foundation
· Upgrading to a new appliance (like a dishwasher or washer) and it isn’t as simple
as you thought.  Although it may seem tempting and less expensive to try to resolve plumbing issues yourself, realize that sometimes it ends up being more costly if your DIY project doesn’t work or isn’t up to code. Hiring a licensed, insured plumber will give you peace of mind that your job is done right.

BBB Accredited plumbers adhere to BBB’s Accreditation Standards and BBB checks to
ensure proper licensure. In addition, by going to BBB.org to find a plumber near you,
you can check reviews and read how the business resolved any complaints. Remember
to look for the BBB Seal- It’s the Sign of a Better Business.

Until next time!

A Podcast by BBB of the Tri-Counties

A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast.

Welcome to this week’s edition of Your Moment of Trust! Healthcare scams are as
varied as just about any con out there. The fraudster often poses as a government
authority to persuade you to provide personal information related to your Medicare or
Medicaid account for identity theft. In other cases, the con artist is after your health
insurance, Medicaid, or Medicare information to submit fraudulent medical charges.

How the scam works:

The scam typically starts with an email, text message, or phone call that appears to be
from a government agency. Con artists use a variety of stories. In one common version,
the “agent” tells you that he or she needs to update account information to send a new
medical card. In another version, the scammer asks for your account number in
exchange for free equipment or services. A third version involves a threatening robocall
purporting to be from HealthCare.gov or the Health Insurance Marketplace. You’re told
you must buy health insurance or face a fine. Sure enough, you’re soon asked to
provide personal information. A more recent version has reported Medicare recipients
receiving notices that new Medicare cards with microchips will be sent out and further
verification is required.

Tips to avoid this scam:

● Don't trust a name or number. Con artists use official-sounding names or mask
their area codes by spoofing to make you trust them. Don't fall for it.
● Hang up and go to official websites. You can enroll or re-enroll in Medicare at
Medicare.gov or a marketplace health plan at Healthcare.gov.
● Never share personally identifiable information with someone who has contacted
you unsolicited, whether over the phone, by email, or on social media. This
includes banking and credit card information, your birthdate, Social Security or
Social Insurance number, and, of course, your health insurance number.
● Guard your government-issued numbers. Never offer your Medicare ID number,
Social Security number, health plan info, or banking information to anyone you
don’t know.
● Know the signs. Medicare will never contact you via email, text message, or
phone, asking you to verify personal information.

Until next time!

A podcast by BBB of the Tri-Counties

A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast.

Welcome to this week’s edition of Your MOment of Trust!

BBB Scam Tracker has gotten numerous reports of a clever travel scam this summer vacation season. Con artists pretend to own a vacation rental and insist on being paid directly rather than through the official rental platform. If you book with them, you’ll be out of money and face a potentially ruined vacation.

How the scam works:

You search a vacation rental site, such as VBRO or Airbnb, for a place to stay on your
next trip and find a perfect rental listing. The photos are beautiful, and the price is right.
Other times, you discover the rental through a social media post. The scammer may
have shared it to a Facebook group, claiming to be renting “their” vacation home.
Either way, when you message the “owner” about booking, they offer you a deal. If you
book with them directly, paying through a digital wallet, such as Venmo or CashApp,
instead of the rental platform – they can give you a discount. You agree and send an
initial payment. The scammer may reply with a realistic-looking receipt. But once the
scammer receives your money, they stop replying to messages. Unfortunately, the
vacation home may be real, but the person you paid to rent it is a scammer. They don’t
own the property, and your deposit is in the hands of scammers.

One consumer reported this experience: “I booked a long-term rental for June and July
on Airbnb through a female host advertised as Amy. I was contacted soon after by a
man named Sean over text. He requested a phone call and suggested we go through
Venmo instead of Airbnb to avoid fees and to give me a discount…. I decided to cancel
to protect myself, but Sean refused to return my 1st-month rent payment of $2,500. I
have never been able to speak to Amy and believe he is using this profile as a cover-up
to scam people out of money and avoid taxes.”

How to avoid online booking scams:

● Do business with reputable websites. Legitimate websites like VRBO and Airbnb
have certain policies to protect renters and rental owners. If there’s a problem
with your rental, you can open a case, and you may get your money back. If a
seller asks you directly to book outside a website, think twice.
● Research the rental property. Do an online search for the owner's name and/or
the property’s address. Look for complaints online, watching for any reports of
scams or dishonest behavior.
● Pay with a credit card. Whenever possible, use your credit card to make online
purchases. It is easier to dispute fraudulent charges, and you have a better
chance of getting your money back if something goes wrong.
● Save any documents related to your purchase. Save copies of your receipt, order
confirmation page, shipping information, etc. You may also want to save a copy
of the business’ return policy so you know how to proceed if there is a problem
with your order or if it doesn’t arrive within the promised timeframe.

For more information

See BBB’s travel HQ for more tips for planning and booking your next vacation. Read
these tips on avoiding hidden travel fees and spotting hotel scams.
If you spot a scam while booking travel online, report it at BBB.org/ScamTracker. Your
report can help other consumers spot a scam before it’s too late.

Until next time!

This Podcast is brought to you by BBB of the Tri-Counties

A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast. https://www.bbb.org/local-bbb/bbb-of-the-tri-counties

Welcome to this week’s edition of Your Moment of Trust! Between booking flights, hotels, a rental car, and things to do, planning a vacation can get stressful. It’s one reason many travelers turn to vacation packages, which bundle multiple aspects of your trip. Vacation packages are simpler to purchase and can save you money too. To get the best deal and to avoid unpleasant surprises, BBB recommends the following tips when booking a vacation package.

● Count the cost. The best way to know if you’re getting a good deal on a vacation package is to check the price for booking each part of the vacation separately. If a vacation package costs more than purchasing hotels, flights, rental cars, etc., separately, you might want to make your bookings instead.

● Be flexible to get the best deal. Getting a better value for your vacation package is easier if you can be flexible with your dates. This is also true if you’re flexible with your destination. Is your heart set on Cancun, but it’s outside your budget? Why not consider a travel package that takes you to a lesser-known beach in Mexico? The same goes for airport choices. Being open to departing from any nearby airport might save you hundreds of dollars.

● Know that you can extend travel dates (usually). If you’re offered a package with pre-established dates, know that most packages allow you to extend your trip or modify the dates as you see fit. You’ll pay more for different dates, but it can be done. However, if you can’t extend your trip for the package you’re interested in, you can always find your way home. Taking advantage of the travel package and adding your travel plans to the end of your trip is still an option.

● Book early or last minute. You can also get a good deal by booking your trip early or scoring a last-minute deal. If last-minute travel plans sound stressful, consider blocking off the time earlier in the year and hunting up your travel package the week before.

● Read the fine print. Always read and re-read the fine print when booking a vacation package to ensure you know exactly what is included and what isn’t. Airfare and your hotel might be included in the price, but what about land transfers, tips, activities, amenities, and food? The last thing you want is to assume your package is all-inclusive, only to discover you’ll need to pay for more than you expected after arriving at your destination.

● Check the refund and cancelation policies. Get to know how cancelations and refunds are handled if your trip is interrupted by illness, bad weather, or other unforeseen events. You’ll find this information in the fine print as well.

● Think about loyalty points and travel rewards. If you travel regularly, you might want to earn points through a loyalty program you use or redeem travel rewards for your next trip. This isn’t always possible when booking vacation packages. However, it might be if you book a vacation package through the company you get rewards from. For example, if you have plenty of sky miles saved up through your favorite airline’s loyalty program, try booking a vacation package through them.

● Watch out for scams. As always, you’ll need to watch for bad actors when searching for a good vacation package. Book through reputable vendors and be wary of travel companies you haven’t heard of before. Research to ensure they have a good business reputation before booking a trip. Read plenty of reviews, keeping a close eye out for complaints and reports of scams.

Until Next time!

A podcast by BBB of the Tri-Counties:

A BIG thank you to Ayers Automotive Repair in Santa Barbara, for supporting this podcast

Use caution when hiring a home improvement contractor, especially following a major storm, flood, or weather event when many homeowners are trying to repair their homes. However, contractor scams can happen anytime, so be wary of high-pressure sales tactics, upfront fees, and fly-by-night businesses. Con artists will take homeowners’ money and deliver (or not deliver) less than quality work.

How the scam works:

Home improvement scams can start with a knock on the door, a flyer, or an ad. The contractor may offer a low price or a short timeframe. One common hook is when the scammer claims to be working in your neighborhood on another project and has leftover supplies.

Once started, a rogue contractor may "find" issues that significantly raise the price. If you object, they threaten to walk away and leave a half-finished project. Or they may accept your upfront deposit and never return to do the job. Following a natural disaster, scammers persuade homeowners to sign over their insurance payments.

Tips to spot this scam:

• Watch out for "red flags." Say no to cash-only deals, high-pressure sales tactics, high upfront payments, handshake deals without a contract, and on-site inspections. Not all “storm chasers” are con artists, but enough are that you should be cautious any time a home contractor contacts you first…especially after a natural disaster.
  
  
• Ask for references and check them out. Bad contractors will be reluctant to share this information, and scammers won’t wait for you to do your homework. If you can, get references from past customers, both older references to check on the quality of the work and newer references to ensure current employees are up to the task. Check them out at BBB.org to see what other customers have experienced. And always get a written contract with the price, materials, and timeline. The more detail, the better. 

• Know the law. Work with local businesses that have proper identification, licensing, and insurance. Confirm that your vendor will get related permits, and make sure you know who is responsible for what according to your local laws and that your vendor is ready to comply. 

To report a scam, go to BBB Scam Tracker.

Be sure to check out more scam warnings on Scam Squad

A Podcast by BBB of the Tri-Counties

A BIG Thank you to Ayers Auto Repair in Santa Barbara for supporting this podcast!

Welcome to this week’s edition of Your Moment of Trust! Artificial intelligence (AI) is the hot new thing. It’s revolutionizing medical research, challenging the art world, and even helping small business owners streamline and automate tasks. But as with anything new and popular, scammers are quick to take advantage. When evaluating AI products for your business, be on the lookout for scams. 

How the scam works 

You get an unsolicited call, email, or text message claiming to offer AI services for small businesses. You may even stumble across a convincing looking ad on social media or be sent one by a friend. The services sound amazing. You’ll pay a reasonable amount upfront, and once the AI is set up, you can expect incredible benefits, such as automating all your marketing needs. If the ROI sounds too good to be true, that’s because it is. 

One small business owner reported signing up for a “free” trial of what appeared to be a promising new AI product. They lamented, “The company charged me $144 plus $12 ‘processing fee’ before the free trial was up… When I explained the situation over email… the 'Sr Success Manager' denied a refund and would not put me in contact with anyone else at the company. I informed him that the company was partaking in misleading and false advertisement, and he failed to respond to my email.” 

If you engage with scammers offering phony AI services, you’ll likely lose any money you pay them. At the very least, your business information could fall into the hands of unscrupulous individuals and put you at risk for identity theft, business email compromise, and other cons. 

How to avoid AI scams 

● Research before you hire. Get to know a company before you do business with them. This requires thorough research. Review their website and social media accounts. If anything looks unprofessional or if contact information is missing or doesn’t work, steer clear. Do an internet search for reviews and complaints. Search the company name along with the word “scam” to find reports or any dishonest business practices. You can also look up companies at BBB.org. 

● Understand the AI services you need. Don’t let someone you’ve never met sell you on a service you’ve never heard of before. AI technology is relatively new, so you’ll need to do some research to understand how it works and exactly how it can benefit your business. It’s best practice to first have a use for AI clearly in

mind, and only then reach out to reputable companies for the service. 

● Watch out for aggressive sales tactics and far-fetched promises. These are two of scammers’ most effective tactics. If someone pressures you to buy a service, telling you you’ll miss out if you don’t act right now, or if they promise you your business will make hundreds or thousands of dollars with little to no effort on your part, it’s probably a scam. 

● Ask for references. If a company reaches out to you, ask them for references and contact them. Look up the references online to make sure they are real people, with real businesses. If you can’t find their information, or if the service provider refuses to give you references, find another company to work with. 

● Safeguard your money and personal details. Never enter your sensitive personal information on a website you aren’t familiar with. Don’t send your details via email to someone you don’t know. Keep your money safe by refusing to send funds via wire transfer or prepaid debit cards. If you do purchase a service online, only use your credit card. Credit cards offer extra protection against fraudulent charges. 

For more information 

Discover a similar scam offering fake marketing services to small business owners. Learn more about AI in the BBB Business Tip: AI for small business. Where to start? Then, visit the BBB small business page to get the latest news and tips for small business owners. 

See BBB's artificial intelligence HQ for more AI tips and resources. 

If you’ve been targeted by an AI scam, report it at BBB.org/ScamTracker – even if you didn’t lose any money. Your report helps build awareness about common scam tactics so other business owners can spot a scam before it’s too late. 

Until next time!

A Podcast by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-...

A BIG thank you to Ayers Automotive Repair for Supporting this Channel!

Welcome to this week’s edition of Your Moment of Trust! Buying refurbished items can save you money, but it’s important to research before you take the plunge. While many reputable businesses offer quality pre-owned electronics, appliances, and other products for a fraction of their original price, BBB Scam Tracker has received reports of con artists ripping off consumers by promising a great deal on “like-new” devices that they don’t plan on delivering. How the scam works: You find a website that sells refurbished items ranging from car parts to cellphones to hair dryers. The site looks legit, and they are selling a high-dollar item you want for a price that fits your budget. You decide to purchase through the website or a payment app like PayPal (a BBB Accredited Business). Then, a few days after receiving your order confirmation, you wonder why you haven’t received a shipping confirmation. You reach out to the company, and they respond with an excuse. They may claim they are understaffed or have had a problem with their supply chain. Still, they assure you the item will be shipped soon. As more time passes, it eventually becomes clear that the seller has no intention of shipping anything. Each time you try to contact them, they either have more excuses or become impossible to reach. One consumer reported, “I was told multiple times the delay was from the owner being in a major car crash or dealing with a catastrophic medical accident. They even told me they were moving shop (more delays) and then that they had moved personally, which slowed delivery.” Unfortunately, the item you ordered doesn’t exist, and you’ve li lost the money you paid for it.

How to avoid refurbished product scams:

● Carefully examine a website before making a purchase. Before doing business with an online retailer, examine their website carefully. Not only should it have quality photos and typo-free content, but it should also have working contact information. In addition, you’ll want to research to find customer reviews and complaints. If you find reports of scams or no reviews at all, think twice before making a purchase. Always double-check the URL you are visiting to ensure you aren’t on a fake website.

● Understand what the term “refurbished” means. Keep in mind that refurbished means different things to different manufacturers. It can mean the product had shipping damage and was returned; it could refer to an open box product, a demo model, or an item that was broken and returned to the manufacturer. Find out what a company means by refurbished before you commit to a purchase. Remember that unauthorized third-party resellers are a big risk, especially if they don’t offer returns. Even if a reseller claims the manufacturer has refurbished the item, there’s no way you can confirm it. Buying under these circumstances is a big gamble.

● Ask about return policies. It can take a while for problems to show up, so make sure you have the option to return a refurbished item. If you can’t return it, or the return window is only a week or two, it may not be worth the risk.

● Inquire about warranties. Some manufacturer-refurbished items have an extended warranty, but this isn’t always true. Find out if the item you’re interested in qualifies for a warranty and what the conditions are. Warranties can come in handy if the refurbished item does have issues down the road. Know that anything marked “as-is” won’t have a warranty.

● Buy refurbished products from the manufacturer when possible. When a manufacturer gets a returned product, they recondition it to be like-new. They use original parts and trained repairmen to get the job done. An item refurbished by a third party may not get the same treatment. It could be repaired by someone who isn’t an expert with the brand, or it might contain different parts. Either issue means it won’t be in like-new condition when you buy it.

● Use a safe payment method. Always make online purchases with your credit card. If an online retailer doesn’t deliver on their promises, it will be easier to dispute the charges, and you’ll be more likely to get your money back. Until next time!

A Podcast by BBB of the Tri-Counties

A BIG Thank you to Ayers Auto Repairs in Santa Barbara for supporting this podcast!

Welcome to this week’s edition of Your Moment of Trust! Buying refurbished items can
save you money, but it’s important to research before you take the plunge. While many
reputable businesses offer quality pre-owned electronics, appliances, and other
products for a fraction of their original price, BBB Scam Tracker has received reports of
con artists ripping off consumers by promising a great deal on “like-new” devices that
they don’t plan on delivering.

How the scam works:

You find a website that sells refurbished items ranging from car parts to cellphones to
hair dryers. The site looks legit, and they are selling a high-dollar item you want for a
price that fits your budget. You decide to purchase through the website or a payment
app like PayPal (a BBB Accredited Business).

Then, a few days after receiving your order confirmation, you wonder why you haven’t
received a shipping confirmation. You reach out to the company, and they respond with
an excuse. They may claim they are understaffed or have had a problem with their
supply chain. Still, they assure you the item will be shipped soon.

As more time passes, it eventually becomes clear that the seller has no intention of
shipping anything. Each time you try to contact them, they either have more excuses or
become impossible to reach.

One consumer reported, “I was told multiple times the delay was from the owner being in a major car crash or dealing with a catastrophic medical accident. They even told me they were moving shop (more delays) and then that they had moved personally, which slowed delivery.” Unfortunately, the item you ordered doesn’t exist, and you’ve li lost the money you paid for it.

How to avoid refurbished product scams:

● Carefully examine a website before making a purchase. Before doing business with an online retailer, examine their website carefully. Not only should it have quality photos and typo-free content, but it should also have working contact information. In addition, you’ll want to research to find customer reviews and complaints. If you find reports of scams or no reviews at all, think twice before making a purchase. Always double-check the URL you are visiting to ensure you aren’t on a fake website.

● Understand what the term “refurbished” means. Keep in mind that refurbished means different things to different manufacturers. It can mean the product had shipping damage and was returned; it could refer to an open box product, ademo model, or an item that was broken and returned to the manufacturer. Find out what a company means by refurbished before you commit to a purchase. Remember that unauthorized third-party resellers are a big risk, especially if they don’t offer returns. Even if a reseller claims the manufacturer has refurbished the item, there’s no way you can confirm it. Buying under these circumstances is a big gamble.

● Ask about return policies. It can take a while for problems to show up, so make sure you have the option to return a refurbished item. If you can’t return it, or the return window is only a week or two, it may not be worth the risk.

● Inquire about warranties. Some manufacturer-refurbished items have an extended warranty, but this isn’t always true. Find out if the item you’re interested in qualifies for a warranty and what the conditions are. Warranties can come in handy if the refurbished item does have issues down the road. Know that anything marked “as-is” won’t have a warranty.

● Buy refurbished products from the manufacturer when possible. When a manufacturer gets a returned product, they recondition it to be like-new. They use original parts and trained repairmen to get the job done. An item refurbished by a third party may not get the same treatment. It could be repaired by someone who isn’t an expert with the brand, or it might contain different parts. Either issue means it won’t be in like-new condition when you buy it.

● Use a safe payment method. Always make online purchases with your credit card. If an online retailer doesn’t deliver on their promises, it will be easier to dispute the charges, and you’ll be more likely to get your money back.

Until next time!

A Podcast by BBB of the Tri-Counties:

https://www.bbb.org/local-bbb/bbb-of-the-tri-counties

A BIG thank you to Ayers Automotive Repair in Santa Barbara for Supporting this Podcast

How to avoid fake invoice scams:

● Be wary of unsolicited emails, especially if you don’t remember doing business with the company they claim to come from. Even if you do business with a company, be careful if you receive an email you didn’t ask for or authorize. Scammers love to impersonate companies that are well-known and trusted by consumers.

● Know how invoices will be delivered. If you sign up for a service or subscription, ask how the company will deliver its invoices. That way, you won’t be fooled if scammers send you a copycat invoice through a different channel. BBB Accredited Businesses promise to adhere to BBB's Standards for Trust, so look for the BBB Accredited Business Seal. It's the Sign of a Better Business.

● Train your staff to spot a fake invoice. As a small business owner, you may not personally look at every invoice from your accounts department. Ensure your employees know how to differentiate a real invoice from a scam.

● Don’t give in to scare tactics. Scammers will use a sense of urgency to get you to give up sensitive information or make payments without thinking. If someone tells you you’ll lose hundreds of dollars if you don’t act now, don’t be easily intimidated. Always do proper research before agreeing to any transactions – especially unexpected ones.

● Have questions about a Geek Squad message? Reach out to Best Buy. Customers can call 1-888-BESTBUY to confirm whether a suspicious email is real. Also, check out BestBuy.com/StopFraud for more resources to help spot cybercrime, fraud, and tech support scams. Until next time!

A Podcast by BBB of the Tri-Counties https://www.bbb.org/local-bbb/bbb-of-the-tri-counties A BIG thank you to Aers Automotive Repair in Santa Barbara for supporting this podcast! https://www.ayersrepairs.com

You’ve likely heard ads on the TV or radio about the Camp Lejeune class action lawsuit for U.S. military veterans and their families exposed to tainted water at the camp. Marketing agencies and law firms spent over $40 million advertising the lawsuit. Now, scammers are jumping on board too, hoping all the media attention makes it easier to trick people, especially military personnel, into falling for common scam tactics.

How the scam works:

You receive an email or phone call telling you you qualify for compensation for the Camp Lejeune class action lawsuit. The email may claim you are entitled to tens of thousands of dollars. You need to click a link or call a number to get your compensation. For example, one recent target told BBB Scam Tracker: “[The caller] said they were representing Camp Lejeune and needed information about my brother who served in the military. Since he died years ago from cancer, they said I had $5,000,000 waiting in compensation from the Marines.” From here, the scam takes several different forms. Clicking the link could download malware onto your computer or mobile device, putting you at risk for identity theft. In other versions, scammers direct you to a website with a form that asks for personal information.

In yet another variation, the scammers are after your money and personal details. They claim you need to pay an upfront fee, so they can file your case and receive your money. If you pay them, they’ll continue to ask for more “filing fees” until you become suspicious. As soon as you realize the con, the scammer will disappear with your information and money.

How to avoid class action lawsuit scams: 

● Don't believe in promises of quick cash with minimal effort. Scammers love to promise that fast cash is in your immediate future. The reality is even well-deserved compensation will take time to receive. It’s worth noting, too, that veterans who served at Camp Lejeune can apply for VA disability compensation and health care benefits without filing a lawsuit or getting help from a lawyer. BBB Accredited Businesses promise to adhere to BBB's Standards for Trust, so look for the BBB Accredited Business Seal. It's the Sign of a Better Business.

● Never click on links in suspicious emails. Be wary of unsolicited emails in general. Please don’t click on the links they contain, as they could lead you to fake websites or download malware onto your computer.

● Stay alert to variations of this scam. Emails aren’t the only way scammers may try to contact you about this and other class action lawsuits. Keep your eye out for similar scams sent via text messages, phone calls, or even mail.

● If you think you deserve compensation, apply through official channels. Visit VA.gov/CampLejeune for official information on how to apply for compensation. You can file for disability compensation online and learn what steps to take to file a Camp Lejeune lawsuit.

● Only work with reputable representatives. If you are ready to file a claim or appeal and need help, don’t settle for working with the first lawyer who pops up on a TV ad. Instead, do thorough research before choosing a legal representative. Get to know all your options, including working with an accredited attorney or a Veterans Service Officer (VSO).

For more information For more ways to avoid email scams, see the BBB Tip: How to recognize a phony email and the BBB Tip on phishing scams. For more information about how to receive compensation related to a stay at Camp Lejeune, visit VA.gov/CampLejeune. You can also report your experience at BBB.org/ScamTracker to help boost public awareness about this and similar scams. Until next time!A

A Podcast from BBB of the Tri-Counties: 

Beware of BBB imposters!  BBB does sometimes reach out to consumers and businesses; however, BBB will never ask for passwords or information to access your personal device.  Also, watch out for phony invoices that look as if they are from the BBB.  

If you are unsure if it's really the BBB calling, tell the caller you will call them back and end the call. Then check the phone number on BBB.org and call directly. If you receive a call from someone requesting payment information or permission to access your computer, hang up and report it to BBB Scam Tracker.

A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast.

A Podcast by BBB of the Tri-Countiea https://www.bbb.org/local-bbb/bbb-of-the-tri-counties

A Big Thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast! https://www.ayersrepairs.com

Scammers can target victims through any device connected to the internet, and your TV is no exception. BBB Scam Tracker has seen an influx of reports about scammers catching people off guard with pop-ups on their smart TVs. Their objective is to steal your personal information and money. How the scam works: You open a familiar service on your smart TV. However, you can’t log in. Instead, a pop-up appears, telling you there is a problem with your device or your streaming subscription. You need to call a phone number or visit a website to fix it. Don’t fall for it! If you call the number, scammers pretend to be customer service representatives. They will insist you pay an activation fee or allow them remote access to your smart TV. These con artists will get your credit or debit card number if you pay the fee. If you give them access to your device or click on a link they provide, the scammers may install malware on your TV and use it to gain access to sensitive personal information. Sometimes scammers ask you to “fix” the issue by paying them in gift cards. One consumer reported that after calling a number that appeared in a pop-up on their smart TV, a scammer instructed them to purchase three $100 Xbox gift cards to add “anti-hacking protection” to their account. After buying the gift cards and contacting the number again, it became clear they were dealing with scammers. 

How to avoid smart TV scams:

● Double-check any fees you have to pay. If scammers ask you to pay an activation fee, antivirus protection fee, or any other kind of fee, do some research.

● Check before you call. If a “customer service” phone number appears in a pop-up, double-check it before you call. Contact a streaming service or TV manufacturer’s website to find their customer support number.

● Never let anyone control your device remotely. Scammers usually ask for remote computer access, but they could also ask for access to your smart TV. Don’t ever give control of your device to a stranger.beforehand. For example, scammers claim you need to pay an activation fee to start using your Roku. However, a quick online search reveals that Roku never charges activation or registration fees.

● Don’t fall for fake websites. Scammers love to create imitation websites using URLs that are just a letter or two off. Fake websites are a threat, even on smart TVs, so double-check the URL. Another way to protect yourself is to avoid clicking on links in pop-ups and, instead, type web URLs directly into your browser.

A Podcast by BBB of the Tri-Counties https://www.bbb.org/local-bbb/bbb-of-... A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast. https://www.ayersrepairs.com

Tips for Buying New Tires:

● Assess your current set of tires.

For starters, determine whether you need new tires. Try the “Lincoln test” if you’re unsure. Place a penny upside down into the tread of your tires. If you can see the top of Abe’s head, your tires should be replaced immediately. If the tread falls somewhere on his forehead, you should plan to buy new tires in the next few months. Even if the tread is thick enough, uneven wear, flaking, cracks, bulges, or other damage can all indicate you need new tires. Finally, if your tires are over six years old, vehicle manufacturers recommend replacing them, no matter their condition. 

● Get to know tire types.

The type of tire you need will depend on the weather conditions you drive in and how you use your vehicle. 

○ All-season tires: Most vehicles have all-season tires designed to work reasonably well in most weather conditions. They can handle some mud, snow, and slush.

○ Winter tires: If you live in a climate with frequent snow and ice, winter tires might be a better choice. They are more effective in deep snow.

○ Summer tires: These tires are best for warm weather climates. This kind of tire shouldn’t be driven if temperatures dip below freezing.

○ All-terrain tires: These are used mainly for four-wheel drive vehicles. They are great for off-roading but not meant for extended highway driving.

○ High-performance tires: These are designed with high-speed handling in mind, but they wear out quicker than “regular” tires. They may be a good choice if you drive a sports car. But they aren’t ideal for your everyday grocery store runs.

● Check out tread wear warranties.

You can find treadwear ratings on a tire’s sidewall. The higher the number, the longer the tire is supposed to last. Most tires have manufacturing quality and defect warranties, but some have a tread life warranty. In most cases, if your tires wear out before your reach the mileage number, you can get a credit towards a new set of the same tires. Shop around. Consider cost, convenience, and customer service when choosing where to buy your tires. Warehouse clubs, online sellers, tire dealers, car dealerships, and local shops all sell tires and have their pros and cons. If you’re looking for something specialized and unique, a local tire shop might be your best option, though you’ll probably pay a little more. Warehouse clubs and online sellers may offer more competitive prices, but their selections might be limited. Car dealerships provide convenience, but they aren’t the cheapest option, and you’ll likely have no choice but to buy original equipment tires. In the end, where you purchase your tires will depend on the kind of tires you want and your personal preferences. 

● Only purchase tires from a reputable seller.

Visit BBB.org to see business ratings and read customer reviews. Make sure you only do business with a tire vendor with a good reputation and plenty of positive reviews. A little research goes a long way in finding out if a company is trustworthy or if they employ questionable business practices. Speak with someone on the phone or in person and ask plenty of questions about tire selections, installation, and warranties. Note the level of customer service you receive during this initial interaction to determine how you’ll be treated during tire installation and after the sale. 

● Keep an eye on the fees.

You’ll probably have to pay some extra fees on top of the cost of the tires. You’ll likely see installation charges, disposal fees for your old tires, and taxes on your final bill. Some vendors may ask you to pay for new tire stems and resetting the Tire Pressure Monitoring System. Still, others might offer add-on services like filling the tires with nitrogen and road hazard warranties. Review all the fees and add-ons carefully before you agree to buy.

● Inspect new tires upon installation.

Take a good look at your new tires before you leave the shop. Look for any signs of damage and make sure the directional tread is facing the same way on all four tires. After you’ve driven a few miles on the new tires, check the tire pressure for each tire to make sure it matches the numbers indicated in the car’s door jamb. If tires are not within the suggested range, take the vehicle back to the shop for inspection.

● Maintain your new tires to extend their life.

Regularly check your tire pressure, inspect the tires for signs of uneven wear and damage, and get regular tire rotations. These are all easy ways to keep your tires in good shape and make them last for as long as possible.

Until next time!

A podcast by BBB of the Tri-Counties

Romance scams are more common than ever. Even if you don't use dating apps, you might still be targeted by one. BBB Scam Tracker is getting reports from dating scam victims who were conned through social media. Get to know the signs, so you can spot a fake romance before getting in too deep.

How to Avoid Dating Scams: 

● Know the signs of romance scams. Romance scams often start with someone who seems too perfect and immediately falls in love with you. They may be in a hurry to create a future together but hesitant to meet you in person. They'll probably tell you they are overseas or in the military. They often talk about the importance of trust to gain yours, and they may share sad stories to pull on your heartstrings before asking you for money. Any one of these tactics is a big red flag. If you notice similarities with someone who has messaged you on social media, think twice about your relationship. 

● Never send money or personal information to someone you haven't met. Refrain from giving a stranger your credit card or bank account information. Don't wire money to or share the PIN of a gift card with someone you've never met. An online "friend" might not even really exist!

● Ask lots of questions. When you meet someone online, ask them specific questions about the details in their profile and pay close attention to their answers. If they lie, they likely won't be able to keep their story straight.

● Do some research. Do a reverse image lookup of a person's profile picture to see if it is being used elsewhere on the internet. Scammers often use the same stolen photos to create fake profiles. You can also search their name, email, and phone number to see if you find anything fishy.

For more information: Read BBB's tip on romance scams for more helpful advice. Get information on specific dating scams on the BBB Romance Scam page.

Also, be on the lookout for a similar scam involving wrong number text messages. If you spot a scam on social media, romance-related or otherwise, report it! By sharing your experience at BBB.org/ScamTracker, you can help us expose scammers’ tactics.

A BIG thank you to Ayers Automotive Repair in Santa Barbara for sponsoring this podcast. https://www.ayersrepairs.com

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A Podcast by BBB of the Tri-Counties: https://www.bbb.org/local-bbb/bbb-of-the-tri-counties

Welcome to this week’s edition of Your Moment of Trust! 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