Consumer Tips

PROTECTING YOURSELF IN A COMPLEX MARKETPLACE — Our researchers and attorneys provide key tips for how you can shop for the best bank, get the best car loan, protect against identity theft, and more.

The Best Ways to Protect Yourself

Being a consumer in today’s marketplace can be tough. Financial decisions in particular often require navigating a torrent of misleading advertisements and pages of jargon-filled small print. Even the simplest choices — everyday financial decisions like opening a credit card, creating a bank account, applying for a loan, or sorting through cell phone contracts — can take time, energy and knowledge that too many of us don’t have.
   
Many financial institutions don’t set out to make it easier for their customers:

  • 1 out of every 20 Americans — millions of consumers — have errors on their credit reports significant enough to raise their rate on loans.
  • Financing cars through dealerships costs consumers more than $25.8 billion in additional hidden interest.
  • From 2005 to 2010, identity theft rose by 33%. In 2012, an estimated 12.6 million Americans became victims. That is 1 victim every 3 seconds. 
  • Banks made around $11 billion in overdraft fees in 2015, fees they pitched as “overdraft protection” but actually cost consumers more.

Despite these practices, there are ways to protect yourself. We want to help. This is why we’ve created the following tip sheets based on common complaints to the Consumer Financial Protection Bureau and the Federal Trade Commission. Read on. Protect yourself from becoming a statistic.

File a complaint if you have a problem

For all sorts of everyday consumer problems, there are government resources that can help. Federal agencies like the Consumer Financial Protection Bureau and Consumer Product Safety Commission exist to protect us from unfair or dangerous products. Submitting complaints to government agencies can help resolve your problem AND it helps these agencies hold companies accountable for unfair practices. For more information, consult our tip sheet on the subject, which includes information on how to contact the CFPB with financial complaints, the CPSC with toy and other product safety complaints, the NHTSA with car safety complaints, and DOT with air travel complaints: How to File a Consumer Complaint and Use Government Databases.

Keeping Track of Your Money:

Credit Reports, Credit Scores, and Identity Theft:

Common Consumer Problems:

Please note that these tips are not intended as, nor should they be construed as, legal advice. If you need legal advice dealing with a consumer problem, consult an attorney.

Issue updates

Blog Post | Consumer Protection

CFPB Adds Consumer Stories to Public Complaint Database | Ed Mierzwinski

Yesterday, the CFPB took a step to make its excellent public database of consumer complaints even better, by adding complaint narratives (stories), but only with the consumer's consent. It's a step we've long urged. It will enrich our research into the marketplace, help consumers make choices and help good-actor firms avoid bad practices by others.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Arizona PIRG Education Fund’s Annual Survey Finds Dangerous Toys on Store Shelves

Dangerous or toxic toys can still be found on America’s store shelves, according to the Arizona PIRG Education Fund’s annual Trouble in Toyland report. The report reveals the results of laboratory testing on toys for toxic chemicals, including lead, chromium and phthalates, all of which can have serious, adverse health impacts on a child’s development. The survey also found examples of small toys that pose a choking hazard, extremely loud toys that threaten children’s hearing, and powerful toy magnets that can cause serious injury if swallowed.

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Report | Arizona PIRG Education Fund | Consumer Protection

Trouble in Toyland 2014

Among the toys surveyed this year, we found numerous choking hazards and five toys with concentrations of toxics exceeding federal standards. In addition to reporting on potentially hazardous products found in stores in 2014, this installment of the report describes the potential hazards in toys and children’s products.

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Blog Post | Consumer Protection

FTC Sues Alleged Corporate Wrongdoers Amazon & T-Mobile | Diane E. Brown

In the last few days, the U.S. Federal Trade Commission (FTC) has filed lawsuits against the wireless company T-Mobile over cramming of "hundreds of millions of dollars" in junk charges on phone bills and the web seller Amazon over "millions of dollars in unauthorized in-app charges incurred by children." What's interesting is not that the companies are alleged to have broken the law, it's that they've refused to settle and forced the FTC into court.

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Blog Post | Consumer Protection

The End of Net Neutrality As We Know It? | Diane E. Brown

On Thursday, the U.S. Federal Communications Commission (FCC) meets to propose new rules "to protect and promote the open Internet." It has no choice because a U.S. appellate court threw out parts of its current rules in a January decision favoring the telephone company Verizon. The decision did not eliminate FCC authority to regulate the Internet, but it did make it more complicated.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Parents Beware - Many Toys Still Toxic, Hazardous

According to the Arizona PIRG Education Fund, dangerous or toxic toys can still be found on America’s store shelves.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Consumer Product Safety Commission (CPSC) and Fisher Price Announce Recall of 11 Million Dangerous Toys

The U.S. Consumer Product Safety Commission (CPSC), Health Canada and Fisher Price announced the recall of 11 million childrens’ products. The products include tricycles that pose a risk of injury because of protruding key, toy car sets and infant toys with detachable small parts that pose choking hazards, and high chairs that pose a risk of laceration injury.

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News Release | Arizona PIRG Education Fund | Consumer Protection

THE FOCUS FOR NEXT STAGE OF HEALTH REFORM

The new federal health care reform law puts state leaders in the driver’s seat, according to a new report by the Arizona PIRG Education Fund. Delivering on the Promise shows how state policy makers can implement and improve on the law to ensure it offers the best deal to consumers.

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News Release | Arizona PIRG Education Fund | Consumer Protection

24th Annual Toy Safety Report - Many Toys Still Hazardous

Dangerous or toxic toys can still be found on America’s store shelves, according to the Arizona PIRG Education Fund’s annual Trouble in Toyland report.

> Keep Reading
News Release | Arizona PIRG Education Fund | Consumer Protection

Arizona PIRG Education Fund Urges Support of a Broadband Plan That Serves the Public Good

As the state and the Federal Communications Commission (FCC) begin to consider a long-term strategy to innovate infrastructure, the Arizona PIRG Education Fund and the Media and Democracy Coalition issued A Public Interest Internet Agenda, to serve as a guide to direct decision makers towards consumer protective policy solutions that will connect every citizen to the Internet.

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