Consumer Tips

PROTECTING YOURSELF IN A COMPLEX MARKETPLACE — Our researchers and attorneys provide key tips for how you can shop for the best bank, get the best car loan, protect against identity theft and more.

How to Protect Yourself

Being a consumer in today’s marketplace can be tough. Financial decisions in particular often require navigating a torrent of misleading advertisements and pages of jargon-filled small print. Even the simplest choices – everyday financial decisions like opening a credit card, creating a bank account, applying for a loan, or sorting through cell phone contracts – can take time, energy, and knowledge that too many of us don’t have.
   
Many financial institutions don’t set out to make it easier for their customers:

  • 1 out of every 20 Americans - millions of consumers - have errors on their credit reports significant enough to raise their rate on loans.
  • Financing cars through dealerships costs consumers more than $25.8 billion in additional hidden interest.
  • From 2005 to 2010, identity theft rose by 33%. In 2012, an estimated 12.6 million Americans became victims. That is 1 victim every 3 seconds. 
  • Banks made around $30 billion in overdraft fees in 2011, fees they pitched as “overdraft protection” but actually cost consumers more.

Despite these practices, there are ways to protect yourself.  We want to help. This is why we’ve created the following tip sheets based on common complaints to the Consumer Financial Protection Bureau and the Federal Trade Commission. Read on. Protect yourself from becoming a statistic.

File a complaint if you have a problem

For all sorts of everyday consumer problems, there are government resources than can help. Federal agencies like the Consumer Financial Protection Bureau and Consumer Product Safety Commission exist to protect us from unfair or dangerous products. Submitting complaints to government agencies can help resolve your problem AND it helps these agencies hold companies accountable for unfair practices. For more information, consult our tip sheet on the subject, which includes information on how to contact the CFPB with financial complaints, the CPSC with toy and other product safety complaints, the NHTSA with car safety complaints and DOT with air travel complaints: How to File a Consumer Complaint and Use Government Databases.

Find more information about...

Keeping Track of Your Money:

Credit Reports, Credit Scores, and Identity Theft:

Common Consumer Problems:

Please note that these tips are not intended as, nor should they be construed as, legal advice. If you need legal advice dealing with a consumer problem, consult an attorney.

Issue updates

News Release | Arizona PIRG | Consumer Protection

Arizona State University Students Kick Off Student Debt Alert Campaign

Today students at the Arizona State University (ASU) kicked off the Student Debt Alert campaign to encourage the Commission on the Future of Higher Education to recommend increases in grant funding and solutions to make loan debt more manageable. 

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Report | Arizona PIRG Education Fund | Consumer Protection

Trouble in Toyland 2005

“While we can report substantial progress after 20 years of advocacy on behalf of America’s littlest consumers, we are still finding trouble in toyland,” said Diane E. Brown, Executive Director of the Arizona PIRG Education Fund.

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News Release | Arizona PIRG Education Fund | Consumer Protection

Consumer Group Alerts Shoppers To Hidden Toy Hazards

Hazardous toys continue to be sold in stores across the country, according to the 20th annual toy safety survey released today by the Arizona PIRG Education Fund.

> Keep Reading
Report | Arizona PIRG Education Fund | Consumer Protection

The Right Start

Toxic chemicals can be found in common baby products, according to a new report released today by the Arizona PIRG Education Fund. “The Right Start: The Need to Eliminate Toxic Chemicals from Baby Products” documents toxic chemicals, including phthalates and polybrominated diphenyl ethers (PBDEs), in teethers, bath books, and sleep accessories.

> Keep Reading
News Release | Arizona PIRG Education Fund | Consumer Protection

New Report Documents Dangerous Chemicals in Baby Products

Toxic chemicals can be found in common baby products, according to a new report released today by the Arizona PIRG Education Fund. “The Right Start: The Need to Eliminate Toxic Chemicals from Baby Products” documents toxic chemicals, including phthalates and polybrominated diphenyl ethers (PBDEs), in teethers, bath books, and sleep accessories.

> Keep Reading

Pages

News Release | U.S. PIRG

Everyone should assume that their social security number has been exposed between this breach and breaches of other major companies’ databases, such as Equifax’s. With that in mind, U.S. PIRG recommends all Americans should use their right by law to freeze their credit reports for free

News Release | U.S. PIRG Education Fund

Our response to Equifax paying a $650 million penalty for exposing the social security numbers of 148 million Americans to identity theft.

Blog Post

Members of Congress hear repeatedly from lobbyists for corporate special interests in their offices and at fundraisers. How can consumer advocates balance the scales?

Blog Post

In most of the country, owning a car is all but required. And we're paying for it—to the tune of $1.2 trillion. This is putting the financial well-being of millions of Americans at risk, and Arizona PIRG and our national network are calling for change.

News Release | U.S. PIRG Education Fund

Fisher-Price recalled 4.7 million Rock n’Play baby sleepers on Friday. U.S. PIRG Consumer Watchdog Adam Garber issued a response: "“While we’re pleased that Fisher-Price is finally recalling these dangerous sleepers, 30 deaths in 10 years is 30 deaths too many and 10 years too late."

Consumer Protection | U.S. PIRG

Campus debit cards cost students over $24 million in fees

Report shows how campus debit cards — along with how they are marketed — are putting students' financial well-being at risk across the country.

 

Consumer Protection | U.S. PIRG

The real price of medications

The results of our investigation of variations in prescription drug prices may surprise you.

 

Consumer Protection | U.S. PIRG

Driving into debt

The hidden costs of risky auto loans to consumers and our communities

 

Consumer Protection

Congressional investigation concludes that Equifax breach was entirely preventable

The worst data breach in history could have been prevented with some basic security measures.

 
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