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Picking a cell phone plan
Mobile technology has rapidly revolutionized our ability to access information and communicate, from anywhere. Unfortunately, phone bills have also rapidly increased, sometimes without delivering more value to the consumer—a mobile plan can easily cost over $100 per month before additional fees and charges. Fortunately, there is a lot you can do as a consumer to cut your bill down to size.
- Check your bill for unknown charges. The Federal Trade Commission recently took legal action against a company alleged to have taken in millions of dollars by billing for a service that mobile phone users had not requested. The practice is called “cramming;” a third-party company tells a mobile provider that a consumer has authorized charges for a service from the third-party. In reality, the consumer has not requested the service or authorized charges, and may be completely unaware that they are being charged by a third-party vendor. Protect yourself by checking your monthly statement for additional or unknown charges. You should also be careful about providing your phone number online. If your bill has been crammed, contact your mobile provider and file a complaint with the Federal Trade Commission.1,2
- Get help shopping for the best plan. There are hundreds of possible combinations of minutes, carriers, and features. The comparison tool at billshrink.com can help you find the best service for the lowest price, personalized to include the details of your usage patterns.
- Don't sign up for another long-term contract. The total cost of buying a phone and then purchasing a pre-paid plan is a fraction of the cost you will incur over the course of a two-year contract that comes with a “free” phone. Recently, the major carriers introduced pre-paid plans for iPhone and Android devices, meaning you won't have to sacrifice quality. If you can afford to buy the phone up-front, you will save big in the long run.3
- If you sign up for a contract, use the 15-30 day trial period to test your phone and service. All long-term mobile contracts have a period during which you can cancel your contract without an Early Termination Fee (ETF). Test your service at home, work, the store, and any other place you frequent. Test the apps and features to make sure that you like the OS, configuration options, and anything else that you care about. If it doesn't meet you needs, you've got a get-out-of-jail-free card for the first two weeks—check with your mobile provider to find out if you have a longer trial period.
- If you don't like your long-term contract, try to get out early without paying the ETF. If your carrier changes your contract terms (e.g. text message prices or administrative fees), you may have legal grounds to cancel the contract. You can also make someone else responsible for your contract, swapping out yours for theirs at cellswapper.com, celltradeusa.com, cellplandepot.com, or trademycellular.com. If you think you have a good justification to end service, like unemployment or military deployment, try customer service and escalate by asking to speak with higher level authorities until you get the answer you want.
- Don't settle for a bad signal. Start by checking to see if your carrier thinks that you should have reception at www.cellreception.com. Walk around your area to check the size of the dead zone. It may be easier to gauge if you change your phone's signal setting to give you a numerical rating for your signal. Next, complaint to your service provider—if the issue is bad enough, they may provide you with a signal boosting device at no additional charge. Bad signal strength could also give you leverage if you'd prefer to find a new carrier.
- FTC “Is Your Mobile Bill a Cram Sandwich?”: http://www.consumer.ftc.gov/blog/your-mobile-bill-cram-sandwich
- FTC Files Its First Case Against Mobile Phone “Cramming”: http://www.ftc.gov/opa/2013/04/wisemedia.shtm
- NYT Blog: http://bits.blogs.nytimes.com/2012/08/02/prepaid-phone-plans/
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.
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.
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.
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.
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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