Tag: credit card

  • Tips for smart shopping during Black Friday sales – other consumer tips

    Tips for smart shopping during Black Friday sales – other consumer tips

    Ohio Attorney General Dave Yost offers these consumer protection tips.

    It’s already October and before you know it, the holiday shopping season will begin. As like many things this year, in-person shopping on Black Friday, Cyber Monday and other holiday promotions may be different than in years past.

    This holiday shopping season, consumers should keep these tips in mind:

    Check store hours: Stores that have previously been open may have reduced hours or may have limits on the number of customers in the store. Be sure to call or check the store’s website to confirm their hours and regulations.

    Research products and sellers carefully: Search for complaints filed with the Ohio Attorney General’s Office and the Better Business Bureau. Also, look up customer reviews online and find out what previous customers have said about the product or seller especially if it’s your first time shopping with a particular seller.

    Beware of scams: Watch out for phony Black Friday coupons, such as those offering hundreds of dollars to spend at a store and other claims that sound too good to be true. Be wary if someone asks you to pay using high-amount gift cards, which are commonly requested by scam artists.

    Know stores’ return policies: Under Ohio’s consumer protection laws, sellers can choose to set their own return policies, including policies of no returns, but they must clearly tell you their policies before you complete the purchase. Also, ask if a return policy is different due to COVID or around the holiday season, as some stores increase their return periods during this time.

    Important exclusions and limitations should be disclosed: Ads should clearly disclose important exclusions and limitations of an offer, so check to see if limited quantities are available, if a sale is valid only during certain hours or if other terms and conditions apply.

    Rain checks apply only in certain situations: If a seller advertises a product at a certain price but sells out of that product by the time you respond to the ad, you may have the right to a rain check. However, sellers are not required to provide rain checks if they clearly disclose the number of goods available at that price or if they clearly state that no rain checks will be given.

    Understand differences between gift cards: Gift cards are the most requested type of gift, according to the National Retail Federation, but not all gift cards carry the same protections. A gift card that is branded by a credit card company and can be used almost anywhere may reduce in value faster than a single-store gift card. Also, promotional cards, such as those that come free with a purchase, may not carry the same protections as other cards and may last only a short period of time. If you receive a gift card, it’s generally best to use it as quickly as possible to reduce the chance it will be lost, stolen or diminish in value. Be aware that if a business stops operating, you may not be able to use the gift card or receive a refund.

    Keep cybersecurity in mind: When shopping for deals online, don’t use free public Wi-Fi when entering sensitive information like your credit card number. Keep apps, software and operating systems up to date and use secure websites when you need to enter personal information.

    Paying with a credit card usually offers greater protection: In general, with a credit card, your responsibility for unauthorized charges is limited to $50, and you have certain rights to dispute charges that you may not have with a debit card or other forms of payment.

    If you suspect a scam or an unfair business practice, contact the Ohio Attorney General’s Office at www.OhioProtects.org or 800-282-0515.


    October is National Cybersecurity Awareness Month: Online Tips for Parents

    With the global pandemic, many parents and their children are turning more often to online resources using devices such as tablets, smartphones and laptop computers. Read on to apply cybersmart tips to help keep you and your children safe while online.

    Consumers Bombarded with Credit Card Interest Rate Phone Calls

    Whether they want them or not, many consumers are receiving robocalls telling them they are eligible for a lower interest rate on their credit card. Most likely, these calls are more than annoying – they’re also part of a scam. Read about these calls and what to do if you are really interested in a lower rate.

    Watch Out for Energy Scams and Learn Where to Get Assistance

    Ohioans should be on the alert for scammers posing as utility company representatives, and threatening to discontinue service to the customer unless the consumer provides personal information or immediate payment for utility service. Read on to learn more about these utility scams as well as where to turn if you need payment assistance.

  • AG Yost reminds Equifax breach victims to sign up for free credit monitoring before deadline

    AG Yost reminds Equifax breach victims to sign up for free credit monitoring before deadline

    Columbus, Ohio – Attorney General Dave Yost is encouraging Ohioans affected by Equifax’s massive 2017 data breach to sign up for free credit monitoring before the offer expires next week.

    Consumers can check their eligibility on EquifaxBreachSettlement.com and file claims on the website by Wednesday, Jan. 22, to receive up to 10 years of free credit monitoring.

    “These credit monitoring services will go a long way in shielding data breach victims from the perils of identity theft,” Yost said. “This sort of protection normally costs hundreds of dollars per year, but there’s still time to get it for free.”

    The services are available at no cost to victims of the breach as part of a $600 million settlement with Equifax obtained last year by a 47-state coalition of attorneys general, led in part by Ohio.

    On Sept. 7, 2017, Equifax, one of the largest consumer reporting agencies in the world, announced a breach affecting nearly half of the U.S. population. Breached information included Social Security numbers, names, dates of birth, addresses, and, in some cases, credit card and driver’s license numbers.

    An investigation by the coalition of states found the breach occurred because Equifax failed to implement an adequate security program to protect consumers’ sensitive personal information. Despite knowing about a critical vulnerability in its software, Equifax failed to patch its systems, allowing outside actors to access the personal information.

    Additionally, Equifax failed to replace software that monitored the breached network for suspicious activity. As a result, the attack went unnoticed for 76 days. The settlement requires Equifax to strengthen its security practices to better protect consumer information moving forward.



  • Loveland Police:  Credit card skimming device found on gas pump

    Loveland Police: Credit card skimming device found on gas pump

    Loveland, Ohio – The Loveland Police Department posted this today on Nextdoor.com:

    CRIME ALERT!! Skimmer Found

     Yesterday, the Loveland Police Department found a credit card skimming device on a gas pump at BP, 226 Loveland Madeira Road. Afterward, LPD officers checked all gas pumps in the City.

    No additional devices were located.

    We are asking you to check your credit card statement if you used this location in the last week. Please call 513-677-7000 if you find any suspicious charges.


    How Credit Card Skimmers Work, and How to Spot Them



    Pottery Affaire in Loveland on Saturday, June 9th

    Advertisement – Whistle Stop Clay Works (WSCW) is hosting its first annual Pottery Affaire on Saturday, June 9th from 11am to 4pm.



  • Attorney General DeWine announces enhanced efforts to investigate skimmer crimes

    Attorney General DeWine announces enhanced efforts to investigate skimmer crimes

    In a recent case, BCI agents assisted an Ohio law enforcement agency in identifying more than 700 victims.

    Columbus, Ohio – Ohio Attorney General Mike DeWine announced today that cyber crime agents with the Attorney General’s Ohio Bureau of Criminal Investigation (BCI) now have a new tool to help local law enforcement agencies investigate crimes involving credit card skimmers. 

    Through the use of new technology, the BCI Cyber Crimes Unit now has the ability to extract data from a majority of credit card skimmers, which criminals use to steal credit card or debit card information from unsuspecting cardholders. The skimmers are often hidden on ATM and gas pump card readers and allow identity thieves to steal card information. 

    The technology that is now in use at BCI allows agents to pull data from credit card skimmers in a “forensically sound” manner to aid local law enforcement in identifying both the suspects and victims involved.

    The technology that is now in use at BCI allows agents to pull data from credit card skimmers in a “forensically sound” manner to aid local law enforcement in identifying both the suspects and victims involved. 

    In a recent case, BCI agents assisted an Ohio law enforcement agency in identifying more than 700 victims of a single skimmer device.

    “With just a simple swipe of your credit or debit card, skimmers put your name, card number, and other data into the hands of identity thieves so that they can go on a shopping spree,” said Attorney General DeWine. “Investigations to track down the source of a skimmer can be very complex, but by making this new tool available to local law enforcement, we hope to help authorities identify these cyber criminals before they have the chance to use the card information they’ve stolen.”

    Tips to avoid becoming a victim of a credit card skimmer include: 

    • Check for fake overlays, which are devices that identity thieves place over existing ATM/gas pump card readers. Most fake overlays are secured by tape. Try wiggling or pulling on the reader before inserting your card. If the device comes off, it is most likely a skimmer overlay.
    • Check for damage or foreign objects inside the card reader.
    • Check for a gas pump security seal. Some gas stations place stickers on gas pumps that will turn void if the inside of the gas pump has been tampered with. 
    • Use a credit card instead of a debit card.  If you must use a debit card, run the transaction as credit, if possible.
    • If a pin code is required to complete the transaction, cover up the pin pad with your other hand. Thieves sometimes place small cameras in card readers to obtain pin code information.
    • Pay inside at the cashier instead of paying at the pump.
    • Monitor your credit card and bank accounts regularly.

    Law enforcement officers interested in more information on how BCI can assist in skimmer cases can call 855-BCI-OHIO (855-224-6446).