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Consumer Law News
FTC Issues Annual List of Top Consumer Complaints
The Federal Trade Commission today issued its annual report, “Consumer Fraud and Identity Theft Complaint Data” on fraud complaints consumers have filed with the agency. For the seventh year in a row, identity theft tops the list, accounting for 36 percent of the 674,354 complaints received between January 1 and December 31, 2006. Other categories near the top of the fraud complaint list include shop-at-home/catalog sales; prizes, sweepstakes and lotteries; Internet services and computer complaints; and Internet auction fraud.
“Consumers’ help in stopping unlawful operations is critical,” said Deborah Platt Majoras, Chairman of the Federal Trade Commission. “By filing a complaint with the FTC, consumers are making information available to more than 1,600 law enforcement agencies that have access to our secure database.”
“It’s as easy as a click or a call,” she said. “The FTC has an online complaint form at FTC.gov, or consumers can reach us at 1-877-FTC-HELP.”
This year brought some firsts. For the first time, complaint data has been broken out by metropolitan statistical areas with populations greater than 100,000. Breakout data for more than 350 metropolitan areas can be found at consumer.gov/sentinel. And this year, complaint data has been sorted into 16 categories. Read more at ftc.gov.
Definition:
Warranties and guarantees are a manufacturer’s or seller’s promise to stand behind its product or service.
Closed-End Lease
Definition:
A lease in which you are not responsible for the difference if the actual value of the item at the scheduled end of the lease is less than the residual value, but you may be responsible for excess wear-and-use charges and for other lease requirements.
Residual Value
Definition:
The end-of-term value of the item established at the beginning of the lease and used in calculating your base monthly payment. The residual value is deducted from the adjusted capitalized cost to determine the depreciation and any amortized amounts. It is an estimate that may be determined in part by using residual value guidebooks. The residual value may be higher or lower than the realized value at the scheduled end of the lease.
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