Archive for the ‘Consumer Alerts’ Category

What to do if you think your car qualifies for the massive air bag recall

Posted May 24, 2015, at 10:06 a.m.

Good news and bad news time: I’m average.

The average age of a vehicle on the road in the U.S. is 11.4 years, so my 2004 Ford Taurus station wagon is right on the median (or is that mean? I never got those two straight). That’s not good news in light of last week’s massive recall of automotive air bags.

Federal law says manufacturers do not have to report suspicious accidents in vehicles more than 10 years old. There’s a bill in Congress to change that, but for now, there may be a lot more cars needing recall work than anyone can imagine.

At last word, we were still looking for the full list of vehicles involved in the recall of those Takata air bags, which could deploy with excessive force, shatter the housing and send shrapnel into the people whom the bags were intended to save. The recall is expected to cover 34 million vehicles, about one of every seven cars in the country. That’s the largest recall ever involving motor vehicles and one of the biggest recalls on record.

Many consumers who have tried to check their recall status have found there are no easy answers. They are anxious, and with good reason; six deaths and more than 100 injuries have been linked to the faulty air bags, and owners will likely be impatient while regulators and manufacturers sort things out.

The National Highway Traffic Safety Administration has been fining Takata $14,000 per day for failing to cooperate with its investigation. Federal regulators and Takata agreed last week on the expanded recall, and some observers predict the fines will disappear as Takata absorbs the high costs of both the recall work and inevitable lawsuits.

For the moment, consumers need to be prepared. Consumer Affairs’ checklist goes as follows:

— Find your Vehicle Identification Number, or VIN, on the vehicle or registration.

— To see if you are eligible, go to www.safercar.gov/vin and type in your VIN.

— If your vehicle is among those recalled, go to any dealer of your vehicle right away and schedule a recall repair appointment.

— Ask your dealer (or the vehicle manufacturer) for a “loaner” vehicle while waiting for parts to become available.

Manufacturers are not required to give you a loaner, but some will. And if your vehicle is not on the recall list, it might be added in the future. It’s important to keep checking.

The National Highway Traffic Safety Administration website is another place to check (www.safercar.gov/rs/takata/index.html). Last week, that site was reporting very heavy usage, so be patient.

Experts are still looking for exact causes of the air bag problem, but excessive humidity is suspected to cause chemicals to deteriorate. Factor in climate when thinking of buying a car from Florida or other warm places.

You can check the safer car site to see if your vehicle has been recalled for other work as well. Carfax, which tracks all kinds of vehicle data, estimates 3.5 million cars for sale online in 2013 had undone, or “open” recalls. If a consumer sells a vehicle with an open recall privately, the buyer is unlikely to know about the needed recall work.

The National Highway Traffic Safety Administration offers an email notification system for vehicles, tires and child restraints. Before signing up, look at the sample email message on the National Highway Traffic Safety Administration ’s website (www-odi.nhtsa.dot.gov/subscriptions/index.cfm#) so you’ll know what the real thing looks like. Expect scammers to exploit the recall for their own purposes.

Consumer Forum is a collaboration of the Bangor Daily News and Northeast CONTACT, Maine’s all-volunteer, nonprofit consumer organization. For assistance with consumer-related issues, including consumer fraud and identity theft, or for information, write Consumer Forum, P.O. Box 486, Brewer, ME 04412, visit https://necontact.wordpress.com or email contacexdir@live.com.

Phony medication call centers target military families

CONSUMER FORUM

By Russ Van Arsdale, executive director Northeast CONTACT
Posted May 10, 2015, at 4:35 p.m.

Click image to read TRICARE’s April 10th article

The Defense Health Agency has been warning military families and veterans covered by TRICARE about scams involving “call centers.” Callers ask clients to reveal personal and medical information over the phone, with promises to help them get medications.

TRICARE is a civilian health care program run by the U.S. Department of Defense Military Health System. It offers benefits for active duty service people, retirees and their families. The program was formerly known as the Civilian Health and Medical Program of the Uniformed Services, or CHAMPUS.

A call from a “call center” generally begins with the caller claiming to be from a sound-alike agency, “calling to tell you about a prescription pain cream you qualify for that TRICARE will cover.” The caller chats up the client — sometimes using personal information gleaned from Google or other sources — and asks for the name of the client’s doctor and other TRICARE information.

“TRICARE will never call beneficiaries and ask for personal information,” Defense Health Agency spokesman Kevin Dwyer said.

But others will, including a host of less-than-reputable companies that deal in compounded prescriptions.

A recent article on the Military Times website notes a huge increase in compounded medications, from $5 million in 2004 to over $700 million in the first three months of this year.

The boom in sales has attracted aggressive marketers, who cold call TRICARE clients, ask if they have certain medical needs and if so, whether they are interested in compound medications. The meds can cost a few hundred dollars to more than $9,000 for a prescription.

The Military Times article cites an ad on Craigslist searching for both customers and sales representatives. The ad claimed meds are “handcrafted for every individual” and formulated to help deal with everything from post-traumatic stress disorder to chronic pain and scars.

Supporters of the compounding industry say the majority of its members are small companies that try to help patients and want a fair price in return. But the entry of hustlers during a time of changing regulation has put the industry under a microscope.

Starting May 1, Express Scripts, which administers the TRICARE pharmacy program, is under orders to screen every ingredient in compounded meds to make sure substances meet Food and Drug Administration regulations. TRICARE will cover those with allowable ingredients; others will have to be reformulated or will need prior approval to be covered.

[questions and answers about TRICARE’s new compound drug policy]

It’s unclear how many recent prescriptions may not be reimbursable.

In any case, those cold calls are likely to keep coming.

TRICARE officials say beneficiaries should never reveal personal or financial information over the phone. If they receive such a call, they’re urged to call Express Scripts at 866-759-6139 or 866-216-7096 or email fraudtip@express-scripts.com.

Betty Balderston, statewide coordinator for Maine Senior Medicare Patrol, alerted Northeast CONTACT to the cold calling. She urges all seniors who receive similar calls to avoid revealing personal and financial information.

Consumer Forum is a collaboration of the Bangor Daily News and Northeast CONTACT, Maine’s all-volunteer, nonprofit consumer organization. For assistance with consumer-related issues, including consumer fraud and identity theft, or for information, write Consumer Forum, P.O. Box 486, Brewer, ME 04412, visithttps://necontact.wordpress.com or email contacexdir@live.com.

 

A quick means to looking older — not in a good way

CONSUMER FORUM

By Russ Van Arsdale, executive director Northeast CONTACT
Posted April 26, 2015, at 11:22 a.m.

After several days of cloudy weather, most of us may not be worrying about getting too much sun. With prom and beach seasons approaching, many people are looking for ways to get a suntan going.

However, many medical professionals are concerned about overexposure to sunshine, specifically to ultraviolet rays, or UVR. Some who treat skin disorders are especially concerned about the use of tanning beds by young people.

WebMD reports UVR exposure damages fibers in our skin called elastin. That breakdown causes the skin to sag and stretch and to lose its ability to go back into shape after stretching.

The bottom line: UVR exposure can make us look older, sooner.

In February, researchers at Yale University released results of a study on UVR exposure. They found evidence of a chemical chain reaction that can damage DNA more than three hours after exposure. They said it’s not clear how many skin cancers may result from this previously unknown reaction.

Click image to view “Are teens heeding the warnings on tanning beds?”

Tanning beds have been the focus of attention of many health experts, because their UVR is more concentrated than the sun’s. The U.S. Food and Drug Administration requires sunlamps and tanning beds to carry a warning that people younger than 18 should not use these products.

An FDA website on tanning, found at fda.gov/Radiation-EmittingProducts/RadiationEmittingProductsandProcedures/Tanning/default.htm, declares repeated UV exposure from sunlamp products “poses a risk of skin cancer for all users.”

Jeffrey Shuren, the doctor in charge of FDA’s Center for Devices and Radiological Health, says, “the highest risk for skin cancer is in young persons under the age of 18 and people with a family history of skin cancer.”

Last July, the U.S. Surgeon General issued a “Call to Action to Prevent Skin Cancer.” The document notes that, while genetic factors — being fair-skinned, having a family history of skin cancer — may heighten a person’s risk, the most common types of skin cancer are strongly associated with UV radiation and that exposure to UV is the most preventable cause of skin cancer.

At least 42 states regulate the use of tanning beds. Eleven states ban their use by children younger than 18.

In Maine, anyone under age 14 may not use commercial tanning beds; 14- and 15-year-olds must have a parent’s permission.

A bill to raise the age to 18 passed two years ago but was vetoed by Gov. Paul LePage. A similar bill was introduced this year but did not pass.

Critics of regulation say links between UVR exposure and development of tumors are based on “circumstantial data and inference, rather than clinical trials and sound scientific data.”

Some also charge public cautions are aimed at younger women, while statistics show men are twice as likely as women to die of melanoma.

Tanning isn’t just about perceived good looks. It’s a $5 billion industry that thrives based on what many consumers are told constitutes a “healthy look.”

The FDA disagrees, stating on its website, “UV radiation, whether from natural or artificial sources, damages the skin.” Visit the FDA website, FDA.gov, and search “tanning risks” to learn more about tanning beds in particular and the health risks of UVR exposure in general.

Consumer Forum is a collaboration of the Bangor Daily News and Northeast CONTACT, Maine’s all-volunteer, nonprofit consumer organization. For assistance with consumer-related issues, including consumer fraud and identity theft, or for information, write Consumer Forum, P.O. Box 486, Brewer, ME 04412, visit https://necontact.wordpress.com or email contacexdir@live.com.

Stiffer penalties sought for price tag cheats

CONSUMER FORUM 

Posted April 12, 2015, at 11:25 a.m.
We’ve all seen the signs in stores. The wording may vary, but message is the same: Changing prices is a crime, and marking things down — to fool the people who check you out — amounts to stealing.

In Maine, the losses may amount to $147 million a year. That figure comes from Curtis Picard, executive director of the Retail Association of Maine. Picard told me the loss nationwide could run to $30 billion to $40 billion.

Despite the big numbers, Picard said that, until recently, “it was hard to get this issue to be taken seriously.” Under current law, most price-switching is treated as shoplifting. However, a bill before the Maine Legislature seeks to change that practice.

That bill, LD 310, An Act to Prevent Organized Retail Crime, would make price-switching a Class C crime. A Class C offense also would occur if two or more people, including store employees, act in concert to steal retail merchandise. The bill is focused on a tough and savvy element.

“These criminals are sophisticated,” Sen. Amy Volk, R-Scarborough, the bill’s sponsor, said. “They’re careful to go where the penalties are less severe,” she said, adding that similar crimes in New Hampshire seem less frequent because the Granite State’s lawmakers took a similar, tougher stand on price-switching.

Some thieves carry supplies of barcode stickers into stores they’ve targeted. After finding an item they want, they slap a barcode indicating a lower price over the real barcode. When scanned at the register, the lesser amount is charged. The thief may wait a few days, peel off the bogus sticker and return the item for a refund of the full price.

Surveillance cameras can trip up such efforts. One would-be thief stuck bogus stickers on three identical items, put two back on the shelf and checked out with the third. Loss prevention officers nabbed the thief, who apparently hoped the discovery of two other lower-priced items might divert suspicion.

Last September, a Tampa man was sentenced in federal court to five years in jail and fined $130,000 for conspiracy to commit wire fraud. Court documents showed Robert James Mercer, his co-defendants and others traveled to Wal-Mart stores in Florida, Alabama, Mississippi, Colorado, Texas and other states to defraud the stores.

Mercer and the others purchased prepaid debit cards with cash and received legitimate receipts for those purchases. They altered the receipts to make it appear they bought merchandise. They then used the fake receipts to return items for cash — they obtained those items through the code-switching ploy.

Cynics might say huge retailers, such as Wal-Mart, can absorb such losses. Realists know that, sooner or later, the cost of all such theft is passed along to honest consumers. The crimes hit Maine’s treasury as well, in the form of lost sales tax revenues paid out when crooks make their returns.

Click image to read Wikipedia explanation of return fraud

Some retailers scan a driver’s license or other ID when giving a refund. The data that’s collected is sent to a company specializing in creating “returner profiles.” If it detects an odd return pattern, it notifies the retailer, which then may not accept returns from that consumer for a period of time. Privacy advocates have voiced concerns about the collection and retention of data.

Volk’s bill is pending in the Legislature. Whether it passes may depend in part on whether it carries a fiscal note — that is, whether there will be any cost to implement changes the bill would require.

Consumer Forum is a collaboration of the Bangor Daily News and Northeast CONTACT, Maine’s all-volunteer, nonprofit consumer organization. For assistance with consumer-related issues, including consumer fraud and identity theft, or for information, write Consumer Forum, P.O. Box 486, Brewer, ME 04412, visit https://necontact.wordpress.com or email contacexdir@live.com.

State Electricians’ Board Issues Warning about Former Master Electrician and Offers Free Inspections

Press Release
April 8, 2015
Professional and Financial Regulation

The Electricians’ Examining Board within the Maine Department of Professional and Financial Regulation announced that it has found former master electrician Craig Shores of Waterville in violation of statutes prohibiting unlicensed practice. He was also found to have committed permit violations and National Electric Code violations. Mr. Shores is required to pay $8,250 in penalties in the Decision and Order finalized March 20, 2015. Additionally, from a 2009 disciplinary order, he is required to pay a $6,500 penalty and $1,405 in hearing costs.

As outlined in the attached March 20, 2015 Decision and Order, the Board found that Mr. Shores, with a previously expired and suspended license, has continued to engage in dangerous wiring practices that present a threat to public safety and property. After notice and in Mr. Shore’s absence, the Board suspended his right to renew his expired master electrician license indefinitely.

The Board is concerned about potential ongoing, dangerous electrical installations being performed by Mr. Shores and encourages anyone who has had a recent electrical installation performed by Mr. Shores to contact the Board by calling (207) 624-8519. The Board is offering an inspection by a State of Maine Electrical Inspector to any home or business owner who has utilized the services of Mr. Shores.

 

Unlocking the code – FTC Scam Alert

 

Unlocking the code

by Alvaro Puig
Consumer Education Specialist, FTC

Identity thieves may already have a lot of information about you – like your credit card number, the card’s expiration date, and your name, address, and phone number. With all that information in his hands, why would he call you? He’s after one vital piece of information – the security code on your credit card.

Read more >

Attorney General Announces Consumer Settlement against “Bath Fitter”

March 26, 2015

(AUGUSTA) Attorney General Janet T. Mills announced today that the Maine Office of the Attorney General has settled a case against National Bath Systems, LLC, d/b/a Bath Fitter (“Bath Fitter”), of Portland, Maine. The complaint alleged violations of the Maine Unfair Trade Practices Act.

Attorney General Mills alleged that Bath Fitter engaged in unlicensed plumbing activities, used non-conforming construction contracts, installed plumbing before a plumbing permit issued, misrepresented employees’ license status, and engaged in plumbing installations that may violate the Maine State Internal Plumbing Code. As part of the settlement, Bath Fitter will comply with Maine law. The consumer complaint initiating this case was made through the Maine Office of Professional and Occupational Regulation.

The settlement was reached by consent judgment, which prohibits certain activities and requires a penalty of up to $750,000 with a portion of that sum suspended for the duration of the probationary period.

Upon timely request by any homeowner with a Bath Fitter plumbing installation, Bath Fitter will provide a free inspection of the installation by an independent licensed plumber to determine compliance with the plumbing code. If the plumbing does not comply with the code, permits and corrections will be made at no cost to the consumer. Consumers have until September 1, 2015 to request an inspection.

If you have a Bath Fitter installation in your home and wish a free inspection for compliance, please call Bath Fitter at 1-855-798-4646.

Attorney General Mills stated “We are pleased that this company agreed to comply with our laws, provide work by licensed plumbers when appropriate, and ensure their installations are in full compliance.”

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