Welcome to Consumers’ Notebook, where we feature news-you-can-use and other timely information to help you become a more informed consumer. Check back often to read the latest pieces in our Notebook.
Watch Out: Fake Reviews Are Everywhere
While the research team at Checkbook.org spends enormous time and resources hunting down and eliminating ratings submitted by businesses, elsewhere, unfortunately, you can’t always trust online reviews.
Buying Toys on Overseas Websites Can be Risky
Cost-conscious consumers have discovered the convenience, low prices, and enormous selection offered by overseas-based websites (such as Temu, Shein, and Ali Express). While the price is right, consumer advocates warn that the safety of these products is not guaranteed.
Watch Out for Worthless Gift Cards
Thieves are increasingly hacking into gift card accounts and draining away their value. Take these steps to avoid buying worthless gift cards.
Don’t Overspend This Holiday Shopping Season
You’ve made your list and checked it twice. And when you go shopping, you want to get the most for your money and avoid trouble. Here are tips for finding the best deals and avoiding a holiday debt hangover.
New Rule Requires Airlines to Provide Automatic Refunds for Canceled or Delayed Flights
To simplify and speed up the process of getting refunds when flights are canceled, the U.S. Department of Transportation (DOT) has issued a new rule that requires airlines to promptly provide passengers with refunds when owed.
Why It’s Time to Ditch Passwords and Switch to Passkeys
The best passwords, even “long and strong” ones, are no match for today’s international crime rings. Many companies have begun to replace passwords with passkeys, which provide better security. Here’s how they work and what to expect.
How New Rules Could Change Real Estate Agent Commissions
As part of a settlement agreement for a class action antitrust lawsuit, the National Association of Realtors (NAR) has, for the first time in decades, changed the way home buyers and sellers interact with their real estate agents. Over time, the new procedures might help home sellers and buyers save money by lowering the commissions they pay agents.
New FTC Rule Will Make it Easier to Cancel Subscriptions
A new FTC rule will soon require companies to provide a “click to cancel” option. The goal is to eliminate the frequent hassles involved with ending unwanted subscription payments.
How to Wipe Your Data Before You Sell, Donate, or Recycle Unwanted Computers and Smartphones
Simply deleting unwanted files, and emptying the recycle bin, does not permanently destroy that data. Here’s how to do that.
Why Do Americans Pay More for Prescription Drugs?
The average American spends more than $1,400 a year on prescription medications. For many, that expense is a budget buster. In 2021, 9.2 million Americans couldn’t afford to take their medications as directed.
CarShield Will Pay $10 Million to Settle Deceptive Advertising Charges
Vehicle-service-contract company CarShield will change its business practices and pay a $10 million monetary judgment to resolve deceptive advertising charges brought by the Federal Trade Commission against its parent company.
Saving on Gas: Which Rewards Credit Cards Offer the Best Deals at the Pump?
Don’t assume that gas station credit cards offer the best discounts or rebates on fill-ups. General-purpose cash-back cards are typically more rewarding.
Some Airlines Finally Offer Free ‘Kid-Friendly’ Seat Assignments
One of the biggest challenges when flying with children is trying to book adjacent seats. Some major U.S. airlines have finally promised to guarantee family seating—if possible—at no additional cost.
Credit Card Reward Programs Under Scrutiny by Federal Regulators
The lure of rewards programs encourage people to apply for credit cards and use them to earn free airline tickets or hotel nights. Federal regulators warn that new rules might be needed to protect consumers from unfair industry practices.
FTC Orders Online Used Car Dealer Vroom to Refund Customers $1 Million
Vroom, a Texas-based company that until January sold used cars online, has agreed to settle a lawsuit by agreeing to refund $1 million to customers harmed by its allegedly illegal conduct. Vroom's marketing promised a better way to buy and sell used cars, online, with no need to do go a dealership. Vroom also agreed to change its business practices, should it sell cars online in the future.
Straight Talk About Nutritional Supplements
Most supplements are manufactured and sold with no oversight to ensure quality, safety, and effectiveness. Consumer advocates caution that many of these products are marketed with dubious claims.
CFPB Wants to Ban Medical Debt from Credit Reports
The Consumer Financial Protection Bureau wants to reduce the financial fallout from unpaid medical debt, a growing problem in the U.S. This week, the agency proposed a rule that would remove medical debt from most credit reports.
Fraud Alert: Scammers Are Sending Bogus Text Messages to Collect ‘Unpaid Tolls’
If you receive a text message requesting payment for unpaid toll charges, assume it’s a scam.
CFPB Tightens Rules for Buy Now, Pay Later Plans
Beginning later this year, consumers who use Buy Now, Pay Later services should have an easier time disputing charges or getting refunds when they have problems with their purchases.
Airlines Sue to Block New Rule Requiring Upfront Disclosure of Fees
The nation’s airlines want to kill a new federal rule that would require them to disclose “ancillary” fees—extra costs for baggage, canceling a reservation, or changing a reservation—along with ticket prices.