scam tracker

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!

When planning your summer vacation, consider renting an RV or camper. Over the past few years, camping has become more appealing as a vacation option and caused a massive rise in RV sales and prices. RVs and campers allow vacationers to travel and see multiple sights – while maintaining a private space, they can control. You should consider many factors before renting an RV, especially if you are a first-timer.

Tips for renting an RV or camper:

 To get the most out of your RV rental and to make sure your vacation goes off without a hitch, follow these tips:

Get to know different RV classes. One of the biggest decisions you’ll need is what kind of RV you want to rent. Both towable RVs (often called campers) and motorized RVs are available. If you want a camper, you’ll need a vehicle to pull it. If you prefer a motorized RV, consider what kind of transportation you’ll need (if any) after the RV is parked. Motorized RVs come in three classes: A, B, and C. You generally don’t need a special license to drive any RVs, but there are significant differences in how each class drives. Class A RVs are the largest and can measure up to 45 feet in length. They are also the hardest to maneuver because of their large size and may not be suitable for someone who has never driven an RV before. Class B RVs fall between 16 and 22 feet long and best suit couples or individuals. They are also the easiest to drive since they handle large trucks or vans. Class C RVs are in-between, usually sleeping four to six people and measuring 21 to 35 feet long. A Class C RV drives like a moving truck with no rear-view mirror capability. Once you’ve decided what kind of RV suits you and your traveling companions, you can narrow your search to specific models within a class. Knowing what type of RV you’ll rent will help you plan other aspects of your trip.

Budget your trip. Depending on the size of the RV, you can expect to pay anywhere from $50 to $300 per night on average. Luxury Class A RVs can cost considerably more per night. However, coming up with a trip budget involves much more than just the rental price per night of the RV. You’ll also need to factor in insurance, gas, campground fees, food, and any additional activities you have planned for your trip. Remember that RV rental companies often allot you a certain number of miles and generator time. You’ll be charged additional miles or time if you exceed the designated amounts.

Choose a booking company. Once you know what kind of RV you want to rent and how much you can spend, you can browse options with different booking companies. Here, too, you have several options. Some booking companies own their vehicles and offer standardized rates and experiences. Others work more like Airbnb; they have various RVs owned and leased by individuals. Policies vary from business to business, and while some companies include mileage and insurance in their booking price, others offer them as add-ons that must be paid for separately. Be sure to read up on each booking company’s policies and review past customer reviews before you do business with them.

Take a walkthrough. When you find an RV or camper interested in renting, taking a walkthrough tour is essential. Not only will you be able to see if the RV measures up to its online description, but you can also learn how to operate the RV. Take advantage of a walkthrough to find out how the generator and electrical hook-ups work, how to dump water tanks, how to operate the awnings, or any other basic functions you need clarification on.

Purchase insurance. If insurance isn’t included in the basic price of your RV rental, be sure to purchase it separately. Most states require at least liability insurance for motorized RVs. Your standard car insurance policy usually covers campers, but check with your insurance company. A good insurance policy will give you peace of mind and protection in case of accidents, bad weather, or theft.

Plan your route. Start planning your route by deciding where to park your RV during your journey. If you want to park at a U.S. National Park, you must book well in advance, sometimes a year or more. You’ll also need to book for state parks and privately-owned campgrounds in advance. If you are new to driving an RV, you might want to choose pull-through parking spaces instead of spaces you’ll have to back into. In addition, some hotels and other tourist destinations offer RV parking for visitors. After you know where you’ll park, double-check your chosen route to ensure it doesn’t include any narrow roads, low bridges, or tunnels that the RV won’t fit in or under. Keep the height of your RV in mind when you make pit stops, too. First-time RV drivers sometimes forget common low clearance situations, such as fast-food drive-throughs.

Know what to bring. Amenities vary from one RV to another, so make sure you know what’s included before you start packing. Some booking companies include sheets, utensils, and cookware, while others don’t. Knowing what is included will help you avoid packing non-essentials. Packing a tool kit and a first aid kit is a good idea if these aren’t already on board the RV. Learn to set up campsites.

Many seasoned RV renters advise arriving at your campsite early. It’s much easier to park and set up electric and water hookups with plenty of daylight. Read the RV manual before your trip to understand how to hook up at a campsite and how to dump wastewater. Remember that dumping wastewater can be a messy experience, and many campers prefer to pay for on-site dump services. This may be a preferable option if your campground provides this service. Other campers use public restrooms and showers to avoid dumping waste at all. Until next time

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 Automotive Repair in Santa Barbara for supporting this podcast.

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

Premiumization is when companies offer higher-end products and services for a premium price. Airlines selling both business class vs. economy seats are a classic example. Another is car manufacturers offering a standard model and one featuring heated seats and leather trim.

While these two examples have been around for decades, premiumization has expanded since the Covid-19 pandemic. Now, businesses selling everything from beauty products to booze are adding new premium options and services. As a consumer, evaluating premium options can be tricky. Here are BBB’s tips for weighing new premium options and ensuring you get the promised value.

Tips for navigating premiumization as a shopper

● Do your homework. Brands that offer premium products or services may look like luxury, but as with any purchase, doing some research is vital. Before paying a premium price, ensure the vendor is a trustworthy business with a reputation for good customer service. Look up businesses on BBB.org to review business ratings and comments from customers.

● Understand what makes a product premium. Many business owners are working to maintain profit margins by offering their clients added value in a premium package. However, if a product or service claims to be premium, find out why. Specifically, what makes it better than the basic option? If a vendor can’t give you a good answer, skip the premium price and shop elsewhere.

● Comparison shop. To get the best deal on anything, comparison shopping is a must. This is also true when considering a company’s premium offerings. Find out what similar companies offer and their price point to see if you are really getting added value for the higher price.

● Watch for “greenwashing.” Many companies promote premium options as more sustainable, lower waste, or all-natural. But be wary of misleading green marketing claims. The Federal Trade Commission advises consumers to look for specific information on packages and products that explain why the product is green.

● Keep track of subscriptions. Many companies offer premium services in the form of a subscription. This might mean paying a monthly fee for quicker delivery, exclusive content, or access to superior products. If you purchase a subscription,

and especially if you purchase multiple subscriptions, keep track of them. Review paid subscriptions regularly and cancel any you no longer need to avoid unnecessary spending.

● Don’t want premium? Explore new brands. While some companies are leaning into new premium offerings, others are filling the lower-price space with cheaper options. For example, make-up brands are creating new products similar to high-end options but sell for a fraction of the price.

● Stick to your budget. A good budget can do wonders for your financial health, but only if you respect your spending limits. If your budget only allows you to purchase the basic version of a product or service, skip the premium offerings to keep your finances in the green.

Until next time!

A podcast by BBB of the Tri-Counties

A BIG thank for to Ayers Automotive Repair in Santa Barbara

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

Tricky websites claim to offer discounted prices on Stanley cups and tumblers in a scam reported to BBB Scam Tracker repeatedly in recent weeks.

Here’s how to spot the scam so you don’t lose money or personal information to con artists.

How the scam works:

You see an ad for Stanley travel cups on social media or after an online search. It appears to be from the official Stanley company or a popular sporting goods store. According to an ad, the store is running a flash sale with great prices on the cups – some are discounted to half the original price or more. Enticed by a good deal, you click on the link. When you do, you’re redirected to a website where you can purchase. It looks like a legitimate site, so you enter your payment information and are charged for the item. However, soon after ordering, you’ll notice some red flags. Some buyers reported never receiving a confirmation email and being unable to contact the company. Others received shipping information, but their product was never delivered. Several victims reported getting confirmation that their product had been delivered to Alaska, which is not where they reside. Here’s one consumer’s firsthand experience: “There was an advertisement for Stanley travel cups for Mother’s Day through Dick’s Sporting Goods. I clicked the ad and was taken to the ‘Stanley’ website, where I ordered and entered my credit card info. I received an order confirmation notice and tracking information from the seller. However, my travel cups were apparently ‘delivered’ in a completely different state, almost 800 miles from my location! The items were delivered the day after a ‘Missing Mail Search Request’ was initiated, but it wasn’t initiated or requested by me. I have tried to contact both the shipping company and the seller through their website but have not gotten any response.” If you purchase through a shady website, your personal information and the money you spend will be gone for good. The Stanley cup you ordered never even existed.

How to avoid online shopping scams:

● Only make purchases through sellers you know and trust. When making purchases online, only buy products from reputable businesses. If you find a great deal through a seller you’ve never heard of, do plenty of research to ensure they are legit before entrusting them with your personal information and hard-earned money.

● Watch out for imitation websites. Even if you think you are on a well-known vendor’s website, you might not be. Scammers are experts at making lookalike websites to fool consumers into entering their personal and payment information. Take a hard look at the URL to ensure you aren’t on a website that looks like a seller you know but is off by a word or even a single letter.

● Beness’ social media feed and website, and read reviews about the company on third-party websites to ensure they are a real business with real customers, quality products, and good customer service.

● Stay extra vigilant around holidays. BBB Scam Tracker received multiple reports each day about this Stanley cup scam just before Mother’s Day. If a holiday is approaching (especially one where it’s customary to send gifts), stay alert to the possibility of scams. Don’t wait until the last minute to purchase a gift, either. Bad actors play on people’s desire to get a good deal. Plus, they know that last-minute shoppers are more vulnerable to scams than someone with plenty of time to research the seller.   Until next time! cautious about ads on social media. Many reputable businesses run social media ads but so do scammers. Sort real businesses from scams by doing your research!

A Podcast by BBB of the Tri-Counties

A Big thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast!

This year’s college graduates are getting ready to start their new lives! It’s a big transition that includes several important changes. Grads may be moving to a new city, finding a new place to live, or searching for a new job. Graduation also often means new financial responsibilities, such as starting payments on student loans.  College graduates are navigating many life changes, and scammers are eager to exploit their inexperience. The following tips can help new grads avoid common scams.

Know the terms of your student loans

One of the most common ways scammers target college graduates is with fake loan
forgiveness opportunities. You may receive an unsolicited email, phone call, or text
message stating that you can qualify for lowered payments through a debt forgiveness
program. Fill out a form and pay a fee to use the company's services. Some of these
companies are real, but they pitch their services with false claims and incomplete
information. Other companies are fakes, only hoping to get their hands on your personal
information and money.  Scammers may also contact college grads regarding student loan repayment hiatus in response to COVID-19. See the latest U.S. information on loan repayment. Check Canada's latest student loan information.. Scammers may claim that to take advantage of the program, you must complete a form or pay a fee. You may not need to do this, so check your facts before giving anyone your information.

Understanding the ins and outs of your student loan - what kind of interest you owe,
when you need to start paying (in most cases, you won’t need to make a payment until
six months after you’ve graduated), and for how long you’ll be expected to make payments - will protect you from these scams.

Be wary of unsolicited messages about unpaid tuition

Some con artists contact graduates or their parents, claiming some of their tuition was
left unpaid. The graduate’s degree will be revoked if it isn't paid immediately. Scammers
may ask you to send money via wire transfer or prepaid debit cards. Whether you are contacted by phone, email, or text message, be wary of anyone who contacts you out of the blue. Government agencies, as well as most higher education facilities, will contact you by mail initially. Suppose you aren’t sure if a message is legitimate, research to verify the person’s claims. Ask to contact them later. Then, investigate by looking up information on the official website or calling your school’s bursar’s office. Don’t give in to pressure to make a decision right away.

Do research before accepting jobs or job interviews

Scammers may offer recent graduates high-paying, easy, entry-level jobs. Con artists
are skilled at drawing new grads in by promoting unrealistic wages for generally labeled
job positions, such as “virtual assistant” or “customer service rep.” They may ask for
your personal information, including your bank account and Social Security number,
claiming they need it to set up direct deposit or file taxes. In other cases, scammers
require you to pay for training. In yet another version, you may be “accidentally”
overpaid with a fake check and asked to send back the extra funds.  If you are considering a job with a company you aren’t familiar with, do some research before you complete an application or agree to an interview. Ensure the company has legitimate contact information and the position is posted on their corporate website. Scammers often steal the names of real companies for their phony job postings.  For tips for avoiding scams while job hunting, check out BBB’s report on employment scams.

Watch out for rental scams

Find a gorgeous apartment in a trendy neighborhood at an affordable price. There’s a
good chance that it’s a scam. According to a survey by Apartment List, 43% of people
looking for a rental online have encountered a bogus listing. In many cases, scammers copy the photo and description of real property. Then, they post it online with their contact information and try to get a deposit and the first month’s rent from the victim. If you want to rent a home or apartment, find out how much other rental properties in the area cost before signing a lease. Scammers often lure victims by promising low rents, extra amenities, and a great location. It may be a scam if the price seems much better than elsewhere. Also, be sure to see the apartment or house in person. Don’t send money to someone you’ve never met for an apartment you haven’t seen. If you can’t visit an apartment or house yourself, ask someone you trust to go and confirm that it is what was advertised. Finally, read the lease agreement documents before you sign. Don’t be embarrassed to consult with friends or family members who may be more knowledgeable on the subject if you have doubts or questions. See this BBB investigation for more tips on rental scams.

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-...

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

Welcome to this week’s edition of Your Moment of Trust! Using green cleaning products in your home can reduce toxins, such as volatile organic compounds (VOCs), that are bad for your health and the environment. Green cleaners are more popular than ever, so shoppers have plenty of choices. But navigating the seals, certifications, and marketing claims can be confusing.

Tips for choosing cleaning products that are effective and safe for you and the environment:

● Check the packaging for eco-friendly labels. Products that display the Environmental Protection Agency’s Safer Choice label have safer chemical ingredients. According to the EPA, products with the label are “rigorously reviewed ingredient-for-ingredient, adhere to strict performance standards, and are evaluated to ensure the potential of adverse human and environmental health impacts is minimized.”

● Be wary of "greenwashing": Watch out for companies that label their products with vague phrases like “green" or “all-natural," warns the EPA. This is called "greenwashing." Instead, look for the Safer Choice label or specific, verifiable claims. You can search for Safer Choice-certified products here.

● Make sure product claims are substantiated: According to the Federal Trade Commission, if a product makes specific claims, such as "VOC-free" or "non-toxic," the company should be able to prove its product doesn’t have that ingredient nor any other ingredient that causes the same kind of risk. If you see a misleading green marketing claim, report it to the FTC at ReportFraud.ftc.gov.

● Try homemade cleaners. Many basic ingredients in your pantry, such as baking soda and white vinegar, make excellent cleaners. This article from greenamerica.org explains the ten basic ingredients that will tackle most cleaning jobs.

● Choose products with minimal, recycled, or biodegradable packaging. Being green isn't just about chemicals. It's also important to consider how a product is packaged. For example, if you use paper towels for cleaning, buy a recycled paper brand. Also, always choose biodegradable cleaning products when possible. Also, companies that use less plastic and offer refillable containers are a good choice.

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

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

Business owners, con artists want to trick you into claiming tax credits that you aren’t eligible for. The Internal Revenue Service warns about scams revolving around the Employee Retention Credit, a tax credit for businesses that continued paying employees during the COVID-19 shutdowns or had a significant income decline during the eligibility period. While most eligible employers have already claimed this credit, unscrupulous companies are advertising ERC services to draw in businesses that are not eligible for the credit.

What’s in it for them? As always, scammers hope to get their hands on your personally identifiable information for identity theft. In some cases, they may charge you for dishonest services. Your best line of defense is to get to know the scam so that you can spot it first.

How the scam works:

You see an ad online or hear one on the radio that claims the government still owes your business an Employee Retention Credit, which you can claim on your taxes this year. They may ask you to call a number or visit a website for more information. A quick chat with the customer service rep or looking at a website convinces you that qualifying for the ERC is extremely easy. You decide to give it a try! You contact the company, and they tell you to qualify for the credit – without knowing anything about your business or how you handled COVID-19 shutdowns. They ask you to provide sensitive information, including your Social Security number, employer identification number (EIN), and other details the scammer can use to commit identity theft. If you hesitate to provide your personal information, they’ll quickly assure you they only want to help you get the money your business is entitled to. The company charges a service fee in other scam versions to help you get the credit. Unfortunately, if you accept their services and claim a credit you aren’t eligible for – even if you do so in good faith – you could face serious consequences, including paying back the credit with penalties and interest. Ultimately, the IRS will hold you responsible for any inaccurate information on your tax return – not the scammer.

How to avoid tax credit scams:

● Don’t believe marketing materials guarantee you’ll qualify for a tax credit. Anyone who makes guarantees without knowing anything about your business is likely up to no good.

● Think twice about promises of huge refunds. Scammers use the same tactics for many different cons. Tax credit schemes are no exception. Scammers count on an emotional response to a promise of fast, free cash before reason sets in. If it sounds too good to be true, it probably is.

● Don’t pay to get money. While paying a tax professional to prepare your taxes each year is perfectly reasonable, watch out for companies or individuals that charge you fees based on high and optimistic percentages of recovered taxes. Keep in mind that true tax professionals always make conservative estimates.

● Get to know the rules about ERC or other tax credits. Always do your research through a reputable source. For example, a quick visit to IRS.gov reveals that employers eligible for the ERC must have sustained a full or partial suspension of operations due to a governmental order by an appropriate authority, and they need to have qualified as a recovery startup business for the third or fourth quarters of 2021, among other qualifications. A little research can debunk scammers' claims before you get sucked into their schemes.

● Be careful with your personally identifiable information. Never give sensitive information to someone you don’t know and trust. If you are dealing with a tax professional for the first time, investigate beforehand to find out if they have a solid business reputation before you hand over any personal details.

● Always look for businesses that follow BBB Accreditation Standards and BBB Standards for Trust. Trustworthy BBB Accredited Businesses don't participate in shady practices.

Want to join the ranks and become BBB Accredited? Visit BBB.org/get-accredited

A Podcast from 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! The weather is warming in some parts of the country, inspiring people to clean up or clear the clutter. The one area many overlook isn't the corner of a room or a forgotten closet; it's the digital device you're reading this article. The BBB encourages people to check their smartphones, laptops, and tablets and take a few minutes to review these tips.

● Lock down your login: Security is critical to protecting accounts used for work and home. Ensure passphrases for each account are lengthy, unique, and safely stored. Enable 2-factor authentication on all accounts that offer it.

● Update your system and software: Avoid procrastination! The most current software, web browsers, and operating systems are some of the easiest and fastest ways to protect your most sensitive assets.

● Back it up: Protect your personal and workplace data by making electronic copies – or backups – of your most important files. Use the 3-2-1 rule to help guide you: 3 backup copies, two different media types, and one offline in a separate location.

● Clean up your online presence: When did you last use all the apps on your phone or tablet? Do you know the settings on all social media accounts that check in with friends and family? Check up on all your accounts. Then, control your role by ensuring you know who has administrative access to your accounts. Keep all of your passwords private.

● Be careful what you share: Quizzes on social media are fun, and keeping in touch is necessary. However, questions on social media might give away too much information about you, your location, or your family. In addition to following the above-listed tips, small business owners should take time to establish, update, and communicate policies and procedures around topics like record retention. It is also imperative that a cybersecurity strategy is in place and used by all employees. BBB has tips on BBB.org/bizhq on how to avoid online scams when working from home. BBB Secure Your ID Day Did you know that protecting your identity is largely in your own hands? Many identity theft victims can trace the theft to something stolen from their possession. BBB has a few guidelines to help safely dispose of electronically stored data. Before participating in BBB’s Secure Your ID Day or other shredding events, prepare your data. Know what devices to digitally “shred”: Computers and mobile phones aren’t the only devices that capture and store sensitive, personal data. External hard drives and USBs, tape drives, embedded flash memory, wearables, networking equipment, and office tools like copiers, printers, and fax machines all contain valuable personal information and stored images.

● Clear out stockpiles: If you have a stash of old hard drives or other devices – even in a locked storage area – information still exists and could be stolen. Don’t wait: wipe and/or destroy unneeded hard drives immediately.

● Empty your trash or recycle bin on all devices, and be sure to wipe and overwrite: Simply deleting and emptying the trash isn’t enough to eliminate a file. You must permanently delete old files. Use a program that deletes the data, “wipes” it from your device, and then overwrites it by putting random data in place of your information ‒ which cannot be retrieved.

○ Various overwriting and wiping tools are available for electronic devices. Remove any identifying information written on labels before disposal for devices like tape drives. Use embedded flash memory or other methods to perform a full factory reset and verify that no potentially sensitive information exists on the device.

● Decide what to do with the device: Once the device is clean, you can sell it, trade it in, give it away, recycle it, or have it destroyed. Note the following:

○ Failed drives still contain data: On failed drives, wiping often fails; shredding/destruction is the practical disposal approach for failed drives. Avoid returning a failed drive to the manufacturer; you can purchase support to keep it – and then destroy it.

○ To be “shredded,” a hard drive must be chipped into small pieces: Using a hammer to hit a drive only slows down a determined cybercriminal; instead, use a trusted shredding company to dispose of your old hard drives. Device shredding can often be the most time- and cost-effective option for disposing of many drives.

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!

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!

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!

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.

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.