1. Local Industries Under Military Complaint Fire

This Memorial Day, Better Business Bureau serving Alaska, Oregon and Western Washington reminds the military community that smart financial decisions begin with education. BBB’s statistics show that military members and their families are filing complaints:



In Alaska, against “Real Estate” companies and “Auto Dealers” more than other industries.
In Oregon, against “Auto Dealers” and “Financial Services” more than other industries.
In Western Washington, against “Travel Agencies” and “Collection Agencies” more than other industries.

Returning soldiers are a highly vulnerable target for high-dollar purchases and confusing contracts.

While observing the holiday: 

Beware of Memorial Day scams aimed at military personnel: bbb.org.
Stay ahead of financial challenges using mobile devices: militaryandmoney.com.
Utilize free resources on financial literacy and consumer protection through BBB Military Line: akorww.bbb.org/military-line.
Participate in BBB’s Integrity Golf Classic, which supports BBB Military Line efforts: akorww.bbb.org/golf.
Use BBB Business Reviews to check out companies and file complaints: bbb.org/us/find-business-reviews.

    Local Industries Under Military Complaint Fire

    This Memorial Day, Better Business Bureau serving Alaska, Oregon and Western Washington reminds the military community that smart financial decisions begin with education. BBB’s statistics show that military members and their families are filing complaints:

    • In Alaska, against “Real Estate” companies and “Auto Dealers” more than other industries.
    • In Oregon, against “Auto Dealers” and “Financial Services” more than other industries.
    • In Western Washington, against “Travel Agencies” and “Collection Agencies” more than other industries.

    Returning soldiers are a highly vulnerable target for high-dollar purchases and confusing contracts.

    While observing the holiday:

    • Beware of Memorial Day scams aimed at military personnel: bbb.org.
    • Stay ahead of financial challenges using mobile devices: militaryandmoney.com.
    • Utilize free resources on financial literacy and consumer protection through BBB Military Line: akorww.bbb.org/military-line.
    • Participate in BBB’s Integrity Golf Classic, which supports BBB Military Line efforts: akorww.bbb.org/golf.

    Use BBB Business Reviews to check out companies and file complaints: bbb.org/us/find-business-reviews.

  2. TOUCH this image: Where is your data leaking?

    (Source: thinglink.com)

  3. Who can you trust?

Sometimes, the last person you would expect is the first person to rob you blind.  A woman reported that her grandfather had passed away nearly 3 months ago and that not one month since his death, she had received a bill from his credit card company.  Of course, her grandfather was not even present to make any purchases so it left her wondering.  She disputed the charge with the credit card company and was getting nowhere.
Another month later, she started receiving calls from collections.  Likewise, she informed them that her grandfather was deceased, but the calls did not desist.  Looking for solutions to try and get these calls and bills from surfacing, she contacted the Better Business Bureau.
In talking to one of our agents, it occurred to her that her deceased grandfather’s caregiver had been taking advantage of her grandfather’s situation and helping herself to his money, including credit cards.  She received advice from the Better Business Bureau to report the situation to the Federal Trade Commission’s, identity theft hotline, as this is fraud and using someone else’s credit card is technically identity theft and needs to be reported.
It just goes to show that you cannot always trust the ones, who are in charge.  It’s a very sad situation, when an elderly, vulnerable person is entrusted to a family member, who violates that trust.  If you have any suspicion that anyone is a victim of this type of behavior, please contact the National Center on Elder Abuse (NCEA).
The NCEA, a division of the Department of Health and Human Services, has locations in various states.  For a contact in your state, please click on the link.  Their mission is to serve “as a national resource center dedicated to the prevention of elder mistreatment.”  For further information, their website is http://www.ncea.aoa.gov/About/NCEA/index.aspx.
The Better Business Bureau complements the NCEA’s efforts by educating the public on scams, charity and business reviews, buying tips, and much more, which affects the general population.  To learn more about our organization, please visit www.bbb.org.
While there is no stopping elder abuse from happening in the first place, there is some comfort in knowing that there are agencies that help with this problem.  We are happy to do what we can!

    Who can you trust?

    Sometimes, the last person you would expect is the first person to rob you blind.  A woman reported that her grandfather had passed away nearly 3 months ago and that not one month since his death, she had received a bill from his credit card company.  Of course, her grandfather was not even present to make any purchases so it left her wondering.  She disputed the charge with the credit card company and was getting nowhere.

    Another month later, she started receiving calls from collections.  Likewise, she informed them that her grandfather was deceased, but the calls did not desist.  Looking for solutions to try and get these calls and bills from surfacing, she contacted the Better Business Bureau.

    In talking to one of our agents, it occurred to her that her deceased grandfather’s caregiver had been taking advantage of her grandfather’s situation and helping herself to his money, including credit cards.  She received advice from the Better Business Bureau to report the situation to the Federal Trade Commission’s, identity theft hotline, as this is fraud and using someone else’s credit card is technically identity theft and needs to be reported.

    It just goes to show that you cannot always trust the ones, who are in charge.  It’s a very sad situation, when an elderly, vulnerable person is entrusted to a family member, who violates that trust.  If you have any suspicion that anyone is a victim of this type of behavior, please contact the National Center on Elder Abuse (NCEA).

    The NCEA, a division of the Department of Health and Human Services, has locations in various states.  For a contact in your state, please click on the link.  Their mission is to serve “as a national resource center dedicated to the prevention of elder mistreatment.”  For further information, their website is http://www.ncea.aoa.gov/About/NCEA/index.aspx.

    The Better Business Bureau complements the NCEA’s efforts by educating the public on scams, charity and business reviews, buying tips, and much more, which affects the general population.  To learn more about our organization, please visit www.bbb.org.

    While there is no stopping elder abuse from happening in the first place, there is some comfort in knowing that there are agencies that help with this problem.  We are happy to do what we can!

  4. Tornado Charity Scams Swirling Around
In the wake of the massive tornados that touched down in Oklahoma this week, Better Business Bureau (BBB), the Washington State Attorney General’s Office (AGO) and the Secretary of State (SOS) are warning of opportunistic fraudsters. Cons follow the headlines and can easily create bogus charities under the guise of helping victims.

“Our thoughts and prayers are with all of those affected by this disaster,” said Robert W.G. Andrew, CEO of BBB serving Alaska, Oregon and Western Washington. “Everyone wants to do their part to help, but without being careful a meaningful donation can easily end up in the wrong hands.”

Washington State Attorney General Bob Ferguson joins the BBB in cautioning donors to exercise restraint before sending money.

“I join the Better Business Bureau in expressing sympathy to the families who’ve lost loved ones or their homes in this disaster,” said Attorney General Bob Ferguson. “I know many share my concerns and want to provide assistance right away—but it is important to exercise caution and make sure your money helps those who truly need it.”

Secretary of State Kim Wyman also recommends exercising caution when donating funds.

“Our hearts go out to the families, friends and neighbors of those who died or were injured in the tornado in Oklahoma,” said Secretary of State Kim Wyman. “I’m sure that a number of Washingtonians will be stepping forward to contribute to the relief effort and to help the victims of this tragedy. 

“As the Attorney General and I continue to underscore, it is important that donors use their heads, as well as their hearts, in responding. Sadly, there will always be rip-off artists looking to line their pockets, so we urge donors to use caution in making decisions about where to contribute their hard-earned money.” 

BBB, the AG and SOS advise consumers to be mindful of certain red flags before making donations. 

Be suspicious of solicitors requesting immediate donations. Don’t rush decisions and consider contributing at give.org, a website run by the Council of Better Business Bureaus.
Make sure that charities are qualified to provide the type of disaster relief that is necessary.
Avoid cash donations. Write a check directly to the charity, not the fundraiser.
Never give out credit card numbers over the phone.
Be wary of “new” charities with unverifiable background information.
Watch out for solicitations from fake “victim” or memorial social media accounts.
Don’t be fooled by a name. Be watchful of charities that use sympathetic sounding names or names similar to well-known legitimate charities.
The Better Business Bureau, the Washington Attorney General and Secretary of State advise consumers to contact potential charities directly. For more information on finding charities, visit BBB’s charity review or the SOS charity lookup. Consumers can also visit the SOS web site for tips on giving wisely.

    Tornado Charity Scams Swirling Around

    In the wake of the massive tornados that touched down in Oklahoma this week, Better Business Bureau (BBB), the Washington State Attorney General’s Office (AGO) and the Secretary of State (SOS) are warning of opportunistic fraudsters. Cons follow the headlines and can easily create bogus charities under the guise of helping victims.

    “Our thoughts and prayers are with all of those affected by this disaster,” said Robert W.G. Andrew, CEO of BBB serving Alaska, Oregon and Western Washington. “Everyone wants to do their part to help, but without being careful a meaningful donation can easily end up in the wrong hands.”

    Washington State Attorney General Bob Ferguson joins the BBB in cautioning donors to exercise restraint before sending money.

    “I join the Better Business Bureau in expressing sympathy to the families who’ve lost loved ones or their homes in this disaster,” said Attorney General Bob Ferguson. “I know many share my concerns and want to provide assistance right away—but it is important to exercise caution and make sure your money helps those who truly need it.”

    Secretary of State Kim Wyman also recommends exercising caution when donating funds.

    “Our hearts go out to the families, friends and neighbors of those who died or were injured in the tornado in Oklahoma,” said Secretary of State Kim Wyman. “I’m sure that a number of Washingtonians will be stepping forward to contribute to the relief effort and to help the victims of this tragedy.

    “As the Attorney General and I continue to underscore, it is important that donors use their heads, as well as their hearts, in responding. Sadly, there will always be rip-off artists looking to line their pockets, so we urge donors to use caution in making decisions about where to contribute their hard-earned money.”

    BBB, the AG and SOS advise consumers to be mindful of certain red flags before making donations.

    • Be suspicious of solicitors requesting immediate donations. Don’t rush decisions and consider contributing at give.org, a website run by the Council of Better Business Bureaus.
    • Make sure that charities are qualified to provide the type of disaster relief that is necessary.
    • Avoid cash donations. Write a check directly to the charity, not the fundraiser.
    • Never give out credit card numbers over the phone.
    • Be wary of “new” charities with unverifiable background information.
    • Watch out for solicitations from fake “victim” or memorial social media accounts.
    • Don’t be fooled by a name. Be watchful of charities that use sympathetic sounding names or names similar to well-known legitimate charities.

    The Better Business Bureau, the Washington Attorney General and Secretary of State advise consumers to contact potential charities directly. For more information on finding charities, visit BBB’s charity review or the SOS charity lookup. Consumers can also visit the SOS web site for tips on giving wisely.

  5. (via Consumerist.com)
When it comes to online privacy, many consumers assume that their service provider, or the websites they are browsing, have the users’ best interest in mind and that these companies won’t simply hand over your information to authorities. These people are mistaken, as are those who believe that no online companies make user privacy a priority. The truth, as usual, is a bit from column A and a bit from column B. 
The privacy-loving folks at the Electronic Frontier Foundation recently released their third annual Who’s Got Your Back? report covering online service providers’ transparency and privacy practices regarding government access to data.
As you can see from the image above, each of the companies was rated on the following six categories:
1. Require a warrant for content of communications A star is awarded in this category for companies with policies that specifically state that authorities must provide a warrant in order to look at the content of a users’ communications. The EFF lauds Facebook’s policy in particular for not just requiring a warrant but also saying that the warrant is needed for things that some might consider to be semi-public, like Wall posts and location data.
Just because a company does not receive a star in this category doesn’t mean that it will necessarily hand over user content without a warrant; it just means that an un-starred company does not have a policy explicitly stating it requires a warrant.
Some companies maintain that a 2010 U.S. Circuit Court of Appeals ruling in U.S. v Warshak sets the precedent that government authorities must have a warrant to obtain access to user e-mails. However, as the EFF points out — and as we mentioned in this story about the IRS’s policy on reading consumers’ e-mails — this is not a Supreme Court precedent, and is really only binding in the region covered by the Sixth Circuit.
2. Tell users about government data requests Even when a warrant is obtained for users’ information, the company may not have a policy of actually telling the user about it. The seven companies receiving a star from the EFF in this category each have a public policy to tell users when the government seeks their data, except in cases where that disclosure is prohibited by law.
“Promising to give notice should be an easy commitment to make,” writes the EFF, “the company doesn’t have to take a side, it merely has to pass on important information to the user.”
The EFF took away a previously earned half-star for Google because its language on this topic no only states [italics for emphasis] “We notify users about legal demands when appropriate.”
Meanwhile, LinkedIn’s policy is commended for its policy, which is clear for the user and also contains the following information for law enforcement:

Law enforcement officials who believe that notification would jeopardize an investigation should obtain an appropriate court order or other process that specifically precludes member notification, such as an order issued pursuant to 18 U.S.C. §2705(b).

3. Publish transparency reports The category in which the fewest stars were given by the EFF, with only 6 of the 18 companies publishing reports on how frequently they provide user data to government authorities. On the up side, this is up from only 4 companies the previous year, so here’s hoping the trend continues.
Microsoft, one of the two companies to get its first star in this category, published its first transparency report in March, detailing not just the number of requests it received from authorities around the world, but how many were honored.
4. Publish law enforcement guidelines To earn this star, a company must have a public statement on how it responds to data demands from the government.
The EFF believes that a proper set of law enforcement guidelines would include details on the following: • Whether a company requires a warrant for content • What types of data a company retains, and what kind of legal process the company requires for law enforcement to obtain various kinds of information • How long data is generally held by the company, and how long will it be held in response to a retention request • Whether the company has an exception for emergency or other kinds of disclosures • Whether the company asks for reimbursement for the costs incurred in complying with a request for data
5. Fight for users’ privacy rights in courts This one is a little trickier, as not all companies on the list have been compelled to fight for their users’ privacy rights in courts.
“The lack of a star in this category should not be interpreted as a statement that the company failed to stand up for users when it had the chance,” writes the EFF. “Instead, this category serves as special recognition for companies that were faced with a decision to defend user privacy in court, took action to defend that privacy, and could to publicly disclose their efforts.”
Oddly enough, this is the only of the six categories in which Yahoo earned a star — for successfully getting the Justice Dept. to back down on a request to view a user’s e-mail without probable cause.
It will be interesting to see if Yahoo’s purchase of Tumblr, which has stars in 3 categories this year, will result in that company’s policies being weakened or the bolstering of both businesses’ guidelines.
6. Fight for users’ privacy in Congress Given that many privacy laws predate the creation of the wheel, most companies in the EFF survey have advocated — either directly to lawmakers or by joining the Digital Due Process Coalition — for the modernization of these laws.
Only Yahoo, Comcast, Verizon (and MySpace, but honestly… it’s not 2005 anymore so no one really cares) failed to earn stars in this category.
You can read the entire EFF report here.

    (via Consumerist.com)

    When it comes to online privacy, many consumers assume that their service provider, or the websites they are browsing, have the users’ best interest in mind and that these companies won’t simply hand over your information to authorities. These people are mistaken, as are those who believe that no online companies make user privacy a priority. The truth, as usual, is a bit from column A and a bit from column B.

    The privacy-loving folks at the Electronic Frontier Foundation recently released their third annual Who’s Got Your Back? report covering online service providers’ transparency and privacy practices regarding government access to data.

    As you can see from the image above, each of the companies was rated on the following six categories:

    1. Require a warrant for content of communications
    A star is awarded in this category for companies with policies that specifically state that authorities must provide a warrant in order to look at the content of a users’ communications. The EFF lauds Facebook’s policy in particular for not just requiring a warrant but also saying that the warrant is needed for things that some might consider to be semi-public, like Wall posts and location data.

    Just because a company does not receive a star in this category doesn’t mean that it will necessarily hand over user content without a warrant; it just means that an un-starred company does not have a policy explicitly stating it requires a warrant.

    Some companies maintain that a 2010 U.S. Circuit Court of Appeals ruling in U.S. v Warshak sets the precedent that government authorities must have a warrant to obtain access to user e-mails. However, as the EFF points out — and as we mentioned in this story about the IRS’s policy on reading consumers’ e-mails — this is not a Supreme Court precedent, and is really only binding in the region covered by the Sixth Circuit.

    2. Tell users about government data requests
    Even when a warrant is obtained for users’ information, the company may not have a policy of actually telling the user about it. The seven companies receiving a star from the EFF in this category each have a public policy to tell users when the government seeks their data, except in cases where that disclosure is prohibited by law.

    “Promising to give notice should be an easy commitment to make,” writes the EFF, “the company doesn’t have to take a side, it merely has to pass on important information to the user.”

    The EFF took away a previously earned half-star for Google because its language on this topic no only states [italics for emphasis] “We notify users about legal demands when appropriate.”

    Meanwhile, LinkedIn’s policy is commended for its policy, which is clear for the user and also contains the following information for law enforcement:

    Law enforcement officials who believe that notification would jeopardize an investigation should obtain an appropriate court order or other process that specifically precludes member notification, such as an order issued pursuant to 18 U.S.C. §2705(b).

    3. Publish transparency reports
    The category in which the fewest stars were given by the EFF, with only 6 of the 18 companies publishing reports on how frequently they provide user data to government authorities. On the up side, this is up from only 4 companies the previous year, so here’s hoping the trend continues.

    Microsoft, one of the two companies to get its first star in this category, published its first transparency report in March, detailing not just the number of requests it received from authorities around the world, but how many were honored.

    4. Publish law enforcement guidelines
    To earn this star, a company must have a public statement on how it responds to data demands from the government.

    The EFF believes that a proper set of law enforcement guidelines would include details on the following:
    • Whether a company requires a warrant for content
    • What types of data a company retains, and what kind of legal process the company requires for law enforcement to obtain various kinds of information
    • How long data is generally held by the company, and how long will it be held in response to a retention request
    • Whether the company has an exception for emergency or other kinds of disclosures
    • Whether the company asks for reimbursement for the costs incurred in complying with a request for data

    5. Fight for users’ privacy rights in courts
    This one is a little trickier, as not all companies on the list have been compelled to fight for their users’ privacy rights in courts.

    “The lack of a star in this category should not be interpreted as a statement that the company failed to stand up for users when it had the chance,” writes the EFF. “Instead, this category serves as special recognition for companies that were faced with a decision to defend user privacy in court, took action to defend that privacy, and could to publicly disclose their efforts.”

    Oddly enough, this is the only of the six categories in which Yahoo earned a star — for successfully getting the Justice Dept. to back down on a request to view a user’s e-mail without probable cause.

    It will be interesting to see if Yahoo’s purchase of Tumblr, which has stars in 3 categories this year, will result in that company’s policies being weakened or the bolstering of both businesses’ guidelines.

    6. Fight for users’ privacy in Congress
    Given that many privacy laws predate the creation of the wheel, most companies in the EFF survey have advocated — either directly to lawmakers or by joining the Digital Due Process Coalition — for the modernization of these laws.

    Only Yahoo, Comcast, Verizon (and MySpace, but honestly… it’s not 2005 anymore so no one really cares) failed to earn stars in this category.

    You can read the entire EFF report here.

  6. Getting super excited about the launch of #BBB’s #video services. #greenscreen #camera (at Better Business Bureau)

    Getting super excited about the launch of #BBB’s #video services. #greenscreen #camera (at Better Business Bureau)

  7. Ermahgerd!

    Ermahgerd!

  8. Better Business Bureau is alerting consumers to the recent upswing in cybercrime dollar losses. The Internet Crime Complaint Center has released its annual report this week and statistics show that cybercrimes bilked consumers for more than $525 million in 2012—an 8.3 percent increase from 2011. 

Alaskan losses increased to more than $1.6 million—compared to $1.2 million lost in 2011.
Oregonian losses increased to more than $6.1 million—compared to $3.6 million lost in 2011.
Washingtonian losses increased to more than $11.5 million—compared to $9.5 million lost in 2011—moving Washington State into the top ten for total number of complaints and total amount of dollars lost.
BBB serving Alaska, Oregon and Western Washington reminds Internet users to surf safely; stay aware of the latest cybercrime warnings at bbb.org.

    Better Business Bureau is alerting consumers to the recent upswing in cybercrime dollar losses. The Internet Crime Complaint Center has released its annual report this week and statistics show that cybercrimes bilked consumers for more than $525 million in 2012—an 8.3 percent increase from 2011.

    • Alaskan losses increased to more than $1.6 million—compared to $1.2 million lost in 2011.
    • Oregonian losses increased to more than $6.1 million—compared to $3.6 million lost in 2011.
    • Washingtonian losses increased to more than $11.5 million—compared to $9.5 million lost in 2011—moving Washington State into the top ten for total number of complaints and total amount of dollars lost.

    BBB serving Alaska, Oregon and Western Washington reminds Internet users to surf safely; stay aware of the latest cybercrime warnings at bbb.org.

  9. #Seattle #b2bexpo (at CenturyLink Field)

    #Seattle #b2bexpo (at CenturyLink Field)

  10. Shoppers regularly hand over credit cards when checking out, but a new form of digital currency, called Bitcoin, is increasing in popularity. In fact, the value of all bitcoins in circulation is approximately $1.3 billion in United States currency—a number that simply cannot be ignored.
Better Business Bureau serving Alaska, Oregon and Western Washington offers insight into this new “cryptocurrency.”
What is Bitcoin? Bitcoin is a digital currency which allows anonymous and instant peer-to-peer payments. The Bitcoin system uses a shared public log called a blockchain, which contains all verified payment records in chronological order—allowing everyone on the network to see every transaction.
Where do bitcoins come from? Bitcoins are intangible and must be digitally “mined.” Computers connected to the Bitcoin network compete against each other to find solutions to extremely complex mathematical equations, the first to crack the equation is awarded with freshly minted digital coins. There is a set ceiling of 21 million bitcoins and it is expected that they will all be unlocked by 2140.
How can bitcoins be used? Computer programs and smartphone applications allow users to anonymously exchange real money for bitcoins and many retailers—both online and offline—now accept bitcoins as payment for goods and services.
Are there any dangers to using Bitcoin? Bitcoin is not backed by any single government or organization; its value is recognized solely by its users—consumers and businesses. The Bitcoin exchange rate fluctuates continuously, making it high-risk currency.
Spending real coins or bitcoins, visit bbb.org/Find-Business-Reviews to find reputable businesses.

    Shoppers regularly hand over credit cards when checking out, but a new form of digital currency, called Bitcoin, is increasing in popularity. In fact, the value of all bitcoins in circulation is approximately $1.3 billion in United States currency—a number that simply cannot be ignored.

    Better Business Bureau serving Alaska, Oregon and Western Washington offers insight into this new “cryptocurrency.”

    What is Bitcoin? Bitcoin is a digital currency which allows anonymous and instant peer-to-peer payments. The Bitcoin system uses a shared public log called a blockchain, which contains all verified payment records in chronological order—allowing everyone on the network to see every transaction.

    Where do bitcoins come from? Bitcoins are intangible and must be digitally “mined.” Computers connected to the Bitcoin network compete against each other to find solutions to extremely complex mathematical equations, the first to crack the equation is awarded with freshly minted digital coins. There is a set ceiling of 21 million bitcoins and it is expected that they will all be unlocked by 2140.

    How can bitcoins be used? Computer programs and smartphone applications allow users to anonymously exchange real money for bitcoins and many retailers—both online and offline—now accept bitcoins as payment for goods and services.

    Are there any dangers to using Bitcoin? Bitcoin is not backed by any single government or organization; its value is recognized solely by its users—consumers and businesses. The Bitcoin exchange rate fluctuates continuously, making it high-risk currency.

    Spending real coins or bitcoins, visit bbb.org/Find-Business-Reviews to find reputable businesses.