$99 per person
4 days & 3 nights in Orlando, Florida
3 days & 2 nights in Daytona Beach, Florida
and two passes to Disney!!

Your Better Business Bureau office received the captioned, unsolicited fax a few days ago.
$99 per person is pretty cheap for two vacation trips, so we checked it out!

The company making this unbelievable offer is RESORT EXCHANGE INTERNATIONAL OF AMERICA, INC. out of Orlando, Florida. As is our usual method of operation, we checked the company out with the BBB Orlando. The report, as of June 24, 2004, indicates the company has an unsatisfactory record due to unresolved complaints concerning misrepresentation in their advertising, a pattern of no response to complaints and failure to take steps to eliminate the basic cause of complaints. Also, the report states that in December 1999, the company advised the BBB they would no longer cooperate with the Bureau and requested all future complaints be directed to the Department of Agriculture, Sellers of Travel Division.

The full report, including government action and bankruptcy information can be viewed at http://search.bbb.org/search.html, the BBB national website.

Our motto "If it sounds too good to be true" has never applied more! We encourage you to use the web as a source of information before you do business. Give your employees access to this information, too. You might save them some unwanted heartache! 

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The Texas Attorney General (AG) is warning senior citizens of calls being received from "Consumer Protection Group". The caller is calling to "alert" the consumer that his or her confidential financial information is circulating on the internet and has been posted on 14,000 web sites. The caller says that the Consumer Protection Group will remove the information. All they need is the consumer's credit card or bank account number.

Of course, we don't have to tell you that you should NEVER give your credit card number or bank account number to anyone who has called you or that you do not know. The AG also reminds consumers that no legitimate authority or business calls you for these numbers. Protect yourself: Just Hang Up!

Did you know that you can also subscribe to the Senior Alerts for automatic email notification, free, by going to the Texas Attorney General's web site link above to sign up.

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The BBB of Western New York, located in Buffalo, advises they have processed in excess of 10,000 complaints from a variety of companies located in Champlain, New York! Most of the claims are from US businesses and deal with scams on advertising directories, internet directories, office supplies, etc.

Champlain, New York is a town of approximately 4,000 residents. The BBB in Buffalo maintains files on 250 companies from that small town! It turns out that the companies are from Canada and just use the town for a US address to solicit American businesses!

Your BBB suggests that you be on the lookout for unsolicited mailings from Champlain and toss them in the "round file"!!

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Last month, we put this article in our monthly newsletter, THE BRIEF. Just recently, we had a phone call from a local jeweler that had received a TTY call from a "customer" in Houston who wanted to send some jewelry to Africa. She proceeded to give two credit cards for the $4000+ purchase. When the jeweler ran the cards, they were declined. She called the customer who gave her two more credit cards to try. The jeweler became very suspicious, especially when she received another TTY phone call from a man wanting to make a large purchase of gold chains. When she started questioning him, he terminated the call! This article is still very timely!!

We have all heard the phrase "buyer beware," but in this high-tech age of computer crimes more and more businesses are learning it is also "seller beware." Businesses across the country are receiving orders for large quantities of merchandise from unknown customers, often using a hearing impaired TTY (Text Telephone Yoke) service and stolen credit card numbers. The buyer typically wants the merchandise shipped to an out-of-state or out-of-country address by the fastest possible method. And, they want to pay by credit card. The merchandise is shipped to the buyer's address and the business finds out later that the credit card number used by the buyer is either fraudulent or stolen. In the end, the business loses money and the merchandise.

If your company receives a call like this, beware! Overseas con artists have discovered the phone company's TTY service and are using it to swindle hundreds of businesses out of thousands of dollars in expensive merchandise. Victims are often e-commerce businesses that have a Web site and ship products based upon telephone or Internet orders.

The purpose of this fraud is to convince businesses that legitimate purchases are being made. The goal is to part businesses from their product and money through use of stolen credit card numbers. As in all frauds attempts are made to avoid raising red flags that would indicate fraud. In this case, the scam artist routes the telephone order through a TTY Relay Operator in an attempt to shield the caller's real identity.

Businesses that have fallen victim to scams perpetrated through TTY services have reported their experiences to the BBB. Some factors ommon to these types of fraud include:

• a buyer orders multiple quantities of high-end products;

• shipping destinations are out-of-state or out-of-country;

• overnight or expedited shipping is requested to what appears to be a residential address, but might also be misrepresented as a business dress; and/or
• the initial credit card number is declined by the bank and the customer offers an alternative number.

• the caller does not question the purchase price and makes no effort to negotiate a deal.

Businesses should always exercise due diligence to ensure that an order is legitimate or that a buyer actually possesses the credit card he or she is using. The Better Business Bureau suggests businesses take the following steps to protect themselves:

• If the customer is using a TTY Relay Operator ask the customer for his/her full name, address and telephone number.

• Ask the customer to provide the name of the issuing bank and its toll-free customer service number as printed on the back of all credit cards.

• Ask the customer for the three or four digit Card Verification Code that is found near the account number on the back or front of a credit card.

• Tell the buyer that you will check with the bank and call them back. When you do that, keep good notes. Verify all information the buyer gives. If a buyer objects, explain that these procedures are for their protection, as well.

• If the caller still objects to providing any of the above information, abandon the conversation and advise that you are not prepared to do business this way.

• If the buyer insists on paying with a certified check, wait until the funds are in your bank account, before shipping the merchandise.