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 | U.S. PIRG Education Fund | Consumer Protection

Coronavirus worry triggers most surgical mask, sanitizer prices to spike at least 50% on Amazon

As the Coronvirus outbreak became more widespread, the price of most of the sanitizers and masks rose at least 50 percent higher than the 90-day average. Even one in six products sold directly by Amazon saw prices rise at least 50 percent higher in February

> Keep Reading
News Release | U.S. PIRG | Consumer Protection

Hack doesn’t absolve Equifax of being careless with consumers’ data

Congress must hold companies accountable for failing to protect condumers' confidential information.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Arizona Public Service to Restore Partial Funding for Energy Efficiency Programs

Yesterday, Arizona Public Service (APS) let the Arizona Corporation Commission know it is willing to partially restore funding for its energy efficiency programs. Energy efficiency advocates wasted no time calling on the Arizona Corporation Commission to move swiftly to approve financial relief for more ratepayers.

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News Release | U.S. PIRG Education Fund | Consumer Protection

Deadly infant products sold after recalls at T.J. Maxx, Marshalls, HomeGoods

The U.S. Consumer Product Safety Commission (CPSC) announced today that discount stores T.J. Maxx, Marshalls and HomeGoods sold 19 different recalled products to consumers between 2014 and 2019. In the case of five products, the stores’ parent company TJX initiated the recall. The products included the Rock ‘N Play and Kids II inclined infant sleepers, which are responsible for a number of fatalities, rattles that can break and pose a choking hazard, and electronics that overheat or explode.

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News Release | U.S. PIRG Education Fund | Consumer Protection

Heartburn medication recalls continue due to carcinogen concerns

The U.S. Food and Drug Administration (FDA) has confirmed today that the drug manufacturers Dr. Reddy’s and Perrigo have initiated a voluntary recall of all of their generic versions of Zantac (ranitidine) -- commonly used to treat heartburn -- due to carcinogen contamination.

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News Release | U.S. PIRG Education Fund | Consumer Protection

Proposed rule would remove unsafe, inclined infant sleepers from market

Despite more than 50 infant deaths from inclined sleepers, including the Fisher-Price Rock ‘n Play and the Kids II Rocking Sleeper, many versions of this type of product remain for sale and in homes. The U.S. Consumer Product Safety Commission (CPSC) is proposing a new rule that would virtually end the sale of inclined sleepers. 

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News Release | Arizona PIRG Education Fund | Consumer Protection

Municipalities Across The Country Are Leading The Way On Electric Buses

A new report from Arizona PIRG Education Fund and Frontier Group highlights municipalities across the country that are making the switch to electric buses and reaping the benefits on dual fronts -- reducing emissions as well as operating expenses.

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News Release | U.S. PIRG Education Fund | Public Health, Consumer Protection

New analysis uncovers unsafe blood pressure medication distributed in US

A new analysis of publicly available information from the FDA by U.S. Public Interest Research Group Education Fund finds only 26 percent of a class of recalled blood pressure medications have been assessed for carcinogen contamiantion -- and the majority had some lots with higher levels than the FDA considers safe.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Latest move by the EPA will result in Americans breathing more unhealthy, polluted air

The Environmental Protection Agency announced it would revoke a waiver that gave California the ability to set its own standards for automobile emissions. The waiver allowed the state to set stricter air quality standards than those imposed at the federal level -- and provided an avenue for Arizona and other states to follow suit. 

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Report | Arizona PIRG Education Fund | Consumer Protection

Fixing the Broken Textbook Market

The cost of college textbooks has skyrocketed in recent years. To students and families already struggling to afford high tuition and fees, an additional $1,200 per year on books and supplies can be the breaking point.

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Report | Arizona PIRG Education Fund | Consumer Protection

Fixing the Broken Textbook Market

The cost of college textbooks has skyrocketed in recent years. To students and families already struggling to afford high tuition and fees, an additional $1,200 per year on books and supplies can be the breaking point.

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Report | Arizona PIRG Education Fund | Consumer Protection

Trouble in Toyland

The 2013 Trouble in Toyland report is the 28th annual PIRG survey of toy safety. In this report, the Arizona PIRG Education Fund provides safety guidelines for consumers when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards.

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Report | Arizona PIRG Education Fund | Consumer Protection

Big Credit Bureaus, Big Mistakes

In this report, we explore consumer complaints about credit bureaus with the aim of uncovering patterns in the problems consumers are experiencing with credit reporting.

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Report | Arizona PIRG Education Fund | Consumer Protection

Food Safety Scares 2013

This report offers a snapshot look, from October 2012 to October 2013, at multistate foodborne illness outbreaks identified by the Center for Disease Control and Prevention (CDC). The economic cost of just the multistate outbreaks caused by food products recalled over the past 12 months comes to more than $22 million.

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Blog Post | Consumer Protection

Commissioners: Say No to Proposed APS Bill Increases | Diane E. Brown

As the Arizona Corporation Commission hosts public comment sessions across the state and prepares to vote on the APS rate case, we encourage APS ratepayers to urge the Commission to reject the unjustified rate increase and say no to unfair utility charges.

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Blog Post | Consumer Protection

Consumers Count: Five years of the CFPB standing up for consumers | Kathryn Lee

This week, the Consumer Financial Protection Bureau turns five years old! As part of our efforts to tell more people about the CFPB, we're cross-posting this video blog and comments written by Zixta Q. Martinez of the CFPB (check out the infographic at the end, too!).

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Blog Post | Consumer Protection

30 Years of "Trouble in Toyland," 30 Years of Safety Improvements | Diane Brown

Every year, Arizona PIRG Education Fund releases Trouble in Toyland, a report on toy safety which examines toys bought at major national retailers, looking for safety hazards including toxic toys, choking hazards, labeling violations, powerful magnets, and excessibely loud toys. We continue to find these hazards on store shelves, which indicates the need for continued vigilance and adequate enforcement of safety regulations. But despite lingering dangers, in the last 30 years, we've come a long way in terms of both policy and compliance with standards.

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Blog Post | Public Health, Consumer Protection

What’s up with the ‘DARK Act’? | Anya Vanecek

The House just passed the Safe and Accurate Food Labeling Act of 2015. This will have major implications for GMO labeling and consumer information about the foods they eat.

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Blog Post | Consumer Protection

The CFPB is 4 years old and has a lot to show for it! | Ed Mierzwinski

Tuesday, July 21, marks four years to the day since the Consumer Financial Protection Bureau opened its doors to protect consumers and make financial markets work. We've summarized some of the ways CFPB works for you on a new web page.

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News Release | Arizona PIRG Education Fund

Arizona fell in national rankings for energy efficiency, according to a new report released today by the American Council for an Energy-Efficient Economy (ACEEE). The state is now 23rd in the country, down four spots since last year. The annual scorecard measures states’ progress on a variety of energy efficiency efforts, including utility programs and policies, transportation policies, building energy codes, and state government initiatives.

News Release | Arizona PIRG Education Fund

Yesterday the Arizona Corporation Commission voted to help ratepayers struggling to pay their electric bill know there is at least a bit of light heading into 2021. Through the Commission’s action, Arizona Public Service, Tucson Electric Power and Unisource Electric will automatically enroll ratepayers behind on their bills who may be subject to disconnection in an eight-month payment plan, starting in January 2021. Utilities also agreed to work with customers who may need more time to catch up on their bills. In addition, qualified low-income customers will receive a discount up to $250 off their bill, due in part to support from APS, TEP and UNSE shareholders.

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.

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. 

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.

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