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

Ford and Volkswagen form “Global Alliance”; Companies to Investigate ways to Develop Electric Vehicles | Diane Brown

Two of the world’s largest automakers, Ford and Volkswagen, announced at the Detroit Auto Show that they’re teaming up to build vehicles together. Although they are starting by developing commercial vans and medium-sized pickups, the companies agreed to "investigate" how they can work together to develop next generation vehicles, such as electric cars. 

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

Fiat Chrysler Settlement Fails to Protect Consumers

While we are glad that Fiat Chrysler is paying something for damaging the health of Americans and deceiving customers, this settlement does not go far enough. It neither ensures these violations of the public trust won’t happen again nor makes consumers whole.

> Keep Reading
Blog Post | Consumer Protection

Study: More Electric Vehicles Means More Savings for Arizonans | Diane Brown

Electric vehicles are the gift that keeps giving. Electric vehicles help cut consumer energy bills and boost the economy while protecting air quality and public health. According to a new groundbreaking study, if Arizonans register just one million more electric vehicles in our state by 2050, consumers and our economy would reap $3.6 billion or more in statewide benefits. If 90 percent of vehicles on our state’s roads are electric by 2050, our state could accrue $31 billion in benefits, with the average Arizona household saving an estimated $176 per year on their utility bills.

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

Dozens of Tucson Business Owners Encourage the Arizona Corporation Commission to Increase Investments in Energy Efficiency

With just days before the Arizona Corporation Commission is expected to vote on Tucson Electric Power’s Demand-Side Management Plan, dozens of Tucson business owners encouraged the Commission to increase investment in energy efficiency. The Arizona PIRG Education Fund and the Southwest Energy Efficiency Project, who have been speaking with business owners across Tucson, are hopeful the Commission will vote to restore and increase energy efficiency funding for TEP ratepayers at their upcoming meeting.

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

Arizona PIRG Education Fund’s Annual Trouble in Toyland Report Finds Dangerous Toys on Shelves During Holiday Shopping Season

The Arizona PIRG Education Fund’s annual Trouble in Toyland report once again found potentially hazardous toys on store shelves and online.

> Keep Reading

Pages

News Release | Arizona PIRG Education Fund | Consumer Protection

Dozens of Tucson Business Owners Encourage the Arizona Corporation Commission to Increase Investments in Energy Efficiency

With just days before the Arizona Corporation Commission is expected to vote on Tucson Electric Power’s Demand-Side Management Plan, dozens of Tucson business owners encouraged the Commission to increase investment in energy efficiency. The Arizona PIRG Education Fund and the Southwest Energy Efficiency Project, who have been speaking with business owners across Tucson, are hopeful the Commission will vote to restore and increase energy efficiency funding for TEP ratepayers at their upcoming meeting.

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

Arizona PIRG Education Fund’s Annual Trouble in Toyland Report Finds Dangerous Toys on Shelves During Holiday Shopping Season

The Arizona PIRG Education Fund’s annual Trouble in Toyland report once again found potentially hazardous toys on store shelves and online.

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

U.S. PIRG response to reports of Facebook security breach

Facebook announced today that earlier this week, "attackers exploited a vulnerability in Facebook’s code that impacted “View As”, a feature that lets people see what their own profile looks like to someone else. This allowed them to steal Facebook access tokens which they could then use to take over people’s accounts."

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

New Report: Protecting Consumers One Year After Equifax Breach

Just over a year ago, Equifax announced that hackers had breached its system and accessed the data of nearly 150 million U.S. consumers. To mark the anniversary of that notorious announcement, the Arizona PIRG Education Fund released a report containing suggestions on how elected officials and consumers can safeguard personal informatio

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

AT-RISK MPG STANDARDS COULD COST ARIZONANS WHO TRAVEL FOR LABOR DAY IN THE FUTURE

Today’s fuel efficiency standards are saving more than half a million [1] Arizonans money at the pump this Labor Day according to the Consumer Federation of America. The group’s latest research shows that – using today’s gas prices, which are up 13 percent this year – consumers are already saving an average of over $200 a year compared to 2011, the year before the current fuel efficiency standards were put in place.[2]

> Keep Reading

Pages

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.

> Keep Reading
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.

> Keep Reading
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.

> Keep Reading
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.

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

Private Loans, Public Complaints

In this report we explore consumer complaints in the private student loan sector with the aim of uncovering patterns in the problems consumers are experiencing with their student loans.

> Keep Reading

Pages

Blog Post | Consumer Protection

How the CFPB’s Data Keeps Getting Better and Better | Mike Litt

As the CFPB turns 4 years old on July 21, here is some information on how it works for you and how we at PIRG use its data to produce reports, such as our new report on mortgage complaints to the CFPB. We've also got some photos from the Americans for Financial Reform "CFPB at 4" event.

> Keep Reading
Blog Post | Public Health, Consumer Protection

“What you don’t have can’t leak:” A political play in three acts | Carli Jensen

The scene: Washington, D.C. The cast of characters: the President, Environmental Protection Agency head Gina McCarthy, the chemical industry, communities, and advocacy groups across the nation.

> Keep Reading
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.

> Keep Reading
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.

> Keep Reading
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.

> Keep Reading

Pages

News Release | U.S. PIRG Education Fund

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.

News Release | U.S. PIRG Education Fund

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.

News Release | U.S. PIRG Education Fund

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. 

News Release | Arizona PIRG Education Fund

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.

View AllRSS Feed

Support Us

Your tax-deductible donation supports Arizona PIRG Education Fund's work to educate consumers on the issues that matter, and to stand up to the powerful interests that are blocking progress.

Learn More

You can also support Arizona PIRG Education Fund’s work through bequests, contributions from life insurance or retirement plans, securities contributions and vehicle donations. 

CLOSE
Poll: Which of these positive changes do you most want to see in 2020?
More restaurant chains commit to stopping their overuse of antibiotics.
Stop using Roundup, which has been linked to cancer, on our parks and playgrounds.
Ban the worst single-use plastics.



Arizona PIRG Education Fund is part of The Public Interest Network, which operates and supports organizations committed to a shared vision of a better world and a strategic approach to getting things done.