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

News Release | Arizona PIRG Education Fund | Consumer Protection

Arizona Corporation Commission Votes to Expand Energy Efficiency

The Southwest Energy Efficiency Project (SWEEP), Arizona PIRG Education Fund, and Wildfire: Igniting Community Action to End Poverty in Arizona, commended Chairman Bob Burns and Commissioners Boyd Dunn, Sandra Kennedy, and Lea Marquez Peterson - utility regulators at the Arizona Corporation Commission - for voting yesterday to expand Arizona’s Energy Efficiency Standard through 2030.

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

New Report: COVID-19 Pandemic Worsens Existing Consumer Problems with Car Buying

Consumer complaints to the Consumer Financial Protection Bureau (CFPB) regarding vehicle loans and leases have increased sharply during the coronavirus pandemic, according to a new report by the Arizona PIRG Education Fund and Frontier Group. The analysis suggests that consumers in Arizona and across the United States are facing abusive and deceptive practices from the automobile lending industry. 

> Keep Reading
Report | Arizona PIRG Education Fund | Consumer Protection

Report: Auto Loan Complaints Rise in Pandemic

A review of consumer complaints to the Consumer Financial Protection Bureau’s Consumer Complaint Database reveals long-standing patterns of abusive and deceptive practices in the automobile industry. The pandemic has brought to light growing auto sales and loan problems.

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

Arizona Corporation Commission Approves Programs to Save Money and Energy for Arizona Public Service Customers

The Southwest Energy Efficiency Project (SWEEP), Arizona PIRG Education Fund, and Wildfire: Igniting Community Action to End Poverty in Arizona applauded a vote today by utility regulators at the Arizona Corporation Commission to approve energy-saving programs that will provide financial relief to APS ratepayers for months to come. Energy efficiency is widely recognized as the least expensive way to meet Arizona’s energy demand and for lowering customer utility bills, creating local jobs, boosting the state’s economy, saving water, and reducing harmful air pollution.

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

FTC settles first case against VoIP provider for allowing illegal robocalls

This FTC settlement must be a wake-up call to phone service providers so they do more to protect consumers. If not, the FTC must be vigilant in going after companies that enable the immoral practice of preying on consumers. And the FCC should require providers to block spoofed calls that we all know are scams.

> Keep Reading

Pages

News Release | Arizona PIRG Education Fund | Consumer Protection

Arizona Corporation Commission Votes to Expand Energy Efficiency

The Southwest Energy Efficiency Project (SWEEP), Arizona PIRG Education Fund, and Wildfire: Igniting Community Action to End Poverty in Arizona, commended Chairman Bob Burns and Commissioners Boyd Dunn, Sandra Kennedy, and Lea Marquez Peterson - utility regulators at the Arizona Corporation Commission - for voting yesterday to expand Arizona’s Energy Efficiency Standard through 2030.

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

New Report: COVID-19 Pandemic Worsens Existing Consumer Problems with Car Buying

Consumer complaints to the Consumer Financial Protection Bureau (CFPB) regarding vehicle loans and leases have increased sharply during the coronavirus pandemic, according to a new report by the Arizona PIRG Education Fund and Frontier Group. The analysis suggests that consumers in Arizona and across the United States are facing abusive and deceptive practices from the automobile lending industry. 

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

Arizona Corporation Commission Approves Programs to Save Money and Energy for Arizona Public Service Customers

The Southwest Energy Efficiency Project (SWEEP), Arizona PIRG Education Fund, and Wildfire: Igniting Community Action to End Poverty in Arizona applauded a vote today by utility regulators at the Arizona Corporation Commission to approve energy-saving programs that will provide financial relief to APS ratepayers for months to come. Energy efficiency is widely recognized as the least expensive way to meet Arizona’s energy demand and for lowering customer utility bills, creating local jobs, boosting the state’s economy, saving water, and reducing harmful air pollution.

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

FTC settles first case against VoIP provider for allowing illegal robocalls

This FTC settlement must be a wake-up call to phone service providers so they do more to protect consumers. If not, the FTC must be vigilant in going after companies that enable the immoral practice of preying on consumers. And the FCC should require providers to block spoofed calls that we all know are scams.

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

Arizona Corporation Commission Passes the Buck on Energy Conservation Policies That Would Save Customers Money

A huge opportunity was missed today by utility regulators at the Arizona Corporation Commission to extend and expand Arizona’s successful Energy Efficiency Standard, which was adopted with bipartisan support in 2010. The policy has delivered more than $1.4 billion in net economic benefits for utility customers of Arizona Public Service (APS), Tucson Electric Power (TEP), and UNS Electric.

> Keep Reading

Pages

Report | Arizona PIRG Education Fund | Consumer Protection

Report: Auto Loan Complaints Rise in Pandemic

A review of consumer complaints to the Consumer Financial Protection Bureau’s Consumer Complaint Database reveals long-standing patterns of abusive and deceptive practices in the automobile industry. The pandemic has brought to light growing auto sales and loan problems.

> Keep Reading
Report | Arizona PIRG Education Fund | Consumer Protection

Trouble In Toyland

For over 30 years, PIRG Education Fund has conducted an annual survey of toys to look for safety problems. This research has led to more than 150 toy recalls and other regulatory actions over the years. Our work has also helped educate the public and policymakers on the need for continued action to protect the health and well-being of children. This year, we celebrate the 10th anniversary of the Consumer Product Safety Improvement Act (CPSIA) passing, which strengthened protections against dangerous consumer products.

> Keep Reading
Report | Arizona PIRG Education Fund | Consumer Protection

Equifax Breach: 1 Year Later – How to Protect Yourself Against ID Theft & Hold Equifax Accountable

The purpose of this report is to make sure consumers have the information they need to protect themselves as much as possible, review what has happened in the last year, and point out the need for Congressional action to prevent breaches as bad as this one from ever happening again. 

> Keep Reading
Report | U.S. PIRG Education Fund | Consumer Protection

Trouble in Toyland 2017

For over 30 years, U.S. PIRG Education Fund has conducted an annual survey of toy safety, which has led to over 150 recalls and other regulatory actions over the years, and has helped educate the public and policymakers on the need for continued action to protect the health and wellbeing of children.

Toys are safer than ever before, thanks to decades of work by product safety advocates, parents, the leadership of Congress, state legislatures, and the Consumer Product Safety Commission (CPSC). 

> Keep Reading
Report | U.S. PIRG Education Fund | Consumer Protection

Lead In Fidget Spinners

While lead in toys has become less prevalent in recent years, U.S. PIRG Education Fund tested several models of one of today’s hottest toys, fidget spinners, for the toxic heavy metal. Laboratory results indicated that two fidget spinners purchased at Target and distributed by Bulls i Toy, L.L.C. contained extremely high levels of lead. U.S. PIRG Education Fund calls on Target and Bulls i Toy to immediately recall these two fidget spinners and investigate how such high levels of lead were found in these toys. Also, we call on the U.S.

> Keep Reading

Pages

Blog Post | Consumer Tips, COVID-19, Consumer Protection

Is your mortgage forbearance ending? | Teresa Murray

If the COVID-19 pandemic affects your ability to pay, here’s what you need to know

> Keep Reading
Blog Post | Consumer Tips, COVID-19, Consumer Protection

If you’re behind on your mortgage payments, here are some tips | Teresa Murray

Good news: You may still be able to request a forbearance because of COVID-19

> Keep Reading
Blog Post | Consumer Protection

APS bill relief? From where it comes matters | Diane Brown

Let’s face it. If you are an APS customer, you are likely not pleased with the utility’s last rate hike or that it is now seeking an additional rate hike totaling $184 million. Relief from high utility bills was needed before COVID-19, and the number of households needing financial assistance now is even higher.

> Keep Reading

Pages

News Release | Arizona PIRG Education Fund

The Southwest Energy Efficiency Project (SWEEP), Arizona PIRG Education Fund, and Wildfire: Igniting Community Action to End Poverty in Arizona, commended Chairman Bob Burns and Commissioners Boyd Dunn, Sandra Kennedy, and Lea Marquez Peterson - utility regulators at the Arizona Corporation Commission - for voting yesterday to expand Arizona’s Energy Efficiency Standard through 2030.

Report | Arizona PIRG Education Fund

A review of consumer complaints to the Consumer Financial Protection Bureau’s Consumer Complaint Database reveals long-standing patterns of abusive and deceptive practices in the automobile industry. The pandemic has brought to light growing auto sales and loan problems.

News Release | Arizona PIRG Education Fund

Consumer complaints to the Consumer Financial Protection Bureau (CFPB) regarding vehicle loans and leases have increased sharply during the coronavirus pandemic, according to a new report by the Arizona PIRG Education Fund and Frontier Group. The analysis suggests that consumers in Arizona and across the United States are facing abusive and deceptive practices from the automobile lending industry. 

News Release | Arizona PIRG Education Fund

The Southwest Energy Efficiency Project (SWEEP), Arizona PIRG Education Fund, and Wildfire: Igniting Community Action to End Poverty in Arizona applauded a vote today by utility regulators at the Arizona Corporation Commission to approve energy-saving programs that will provide financial relief to APS ratepayers for months to come. Energy efficiency is widely recognized as the least expensive way to meet Arizona’s energy demand and for lowering customer utility bills, creating local jobs, boosting the state’s economy, saving water, and reducing harmful air pollution.

Blog Post

Here’s a guide to your rights depending on how you pay

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