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

Blog Post | Consumer Protection

Getting good data on rate designs is worth the effort | Diane Brown

There’s been good national conversation in recent years around the need for transparency and responsiveness from electric utilities and regulators when it comes to data on rates and pilots, assessing impacts on consumers, and consumer outreach and education. At the local level, though, it can take quite a bit of work to turn guidelines into reality. 

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Blog Post | Consumer Protection

Tucson Unanimously Adopts the 2018 International Energy Conservation Code | Aaron Kane

Last night, Mayor Rothschild and the Tucson City Council unanimously adopted the 2018 International Energy Conservation Code as recommended by the Tucson-Pima County Joint Consolidated Code Committee. The Committee’s recommendation was developed as a result of a rigorous, ten-month-long stakeholder process open to all interested participants. We are quite pleased with this vote.

> Keep Reading
Blog Post | Consumer Protection

Let's Celebrate Energy Efficiency | Aaron Kane

Energy Efficiency Day celebrates and recognizes energy efficiency as the quickest, cheapest, and cleanest way to address our growing energy needs. With technological advances and increased energy consciousness, consumers now have more ways than ever to make our homes and businesses more efficient, reduce our energy usage, and save money on our electric bills.

> Keep Reading
Blog Post | Consumer Protection

1 Year After Equifax Data Breach, Here's Everything You Need To Know

One year after announcing the biggest data breach in history, Equifax still hasn’t been held accountable or provided the information and tools consumers need to protect themselves. Since Equifax won’t help protect consumers, Arizona PIRG is stepping in.

> Keep Reading
News Release | U.S. PIRG | Consumer Protection

U.S. PIRG response to reports of Facebook security breach

Facebook announced today that earlier this week, "attackers exploited a vulnerability in Facebook’s code that impacted “View As”, a feature that lets people see what their own profile looks like to someone else. This allowed them to steal Facebook access tokens which they could then use to take over people’s accounts."

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News Release | Consumer Protection

U.S. PIRG CONSUMER ADVOCATE MIKE LITT TESTIFIES AT CONGRESSIONAL HEARING ON EQUIFAX

Our Consumer Advocate, Mike Litt, was invited by Congresswoman Maxine Waters, Ranking Member of the House Financial Services Committee, to testify this week at a Congressional hearing on the Equifax data breach. This was a continuation of the committee's previously held hearing on October 5th entitled "Examining the Equifax Data Breach."

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

New Report: Older Consumers in the Financial Marketplace: An Analysis of Complaints, and Results, From the CFPB

Mortgages were the leading source of complaints to the Consumer Financial Protection Bureau from consumers 62 and over, followed by complaints about credit reports and debt collection, according to a new report by the Arizona PIRG Education Fund and the Frontier Group.

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California’s new drug price law is a win for consumers nationwide

Today, California Governor Jerry Brown signed Senate Bill 17 into law, a groundbreaking measure to increase transparency and accountability for the prescription drug industry. We celebrate the new law—passed with support and hard work from CALPIRG—as a landmark victory for consumers, not just in California, but nationwide.

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News Release | Arizona PIRG | Consumer Protection

New CFPB Rule Targets Payday and Car Title Lending Debt Trap

Consumers in states that are burdened by predatory short-term payday and car title lending will receive some relief from a final rule issued today by the Consumer Financial Protection Bureau (CFPB). Arizona already prohibits payday lending, which is crucial to prevent payday lenders from exploiting loopholes in the new rule. While the rule released today should be helpful in disrupting the abusive car title lending that still plagues Arizonans, advocates argued the state needs to expand consumer protections to also cover car title lending.

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Statement on Walmart’s Decision to Strengthen Chemical Footprint Policy

Arizona PIRG applauds retail giant Walmart for updating its sustainability policy to restrict toxic chemicals in 90,000 products including cosmetics and skincare items, infant products, and household cleaners.

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Report | Arizona PIRG Education Fund | Consumer Protection

Building A Better Health Care Marketplace

Consumers across the state know that the health insurance marketplace is broken. Insurers don’t compete for their business, instead offering take-it or-leave-it deals. Important information about coverage is buried in the fine print, making it hard to know what’s really covered. Instead of working to lower costs and improve quality, too many insurers focus on covering healthy enrollees and dumping the sick. And costs are continuing their unsustainable rise.

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Report | Arizona PIRG Education Fund | Consumer Protection

Trouble in Toyland 2010

According to the Arizona PIRG Education Fund, dangerous or toxic toys can still be found on America’s store shelves.  The Arizona PIRG Education Fund released the 25th annual Trouble in Toyland report, which reveals the results of laboratory testing for toxic chemicals and identifies toys that pose choking hazards.  Trouble in Toyland also includes guidance for avoiding common hazards.

> Keep Reading
Report | Arizona PIRG | Consumer Protection

Recipe for Disaster

The recall of more than 500 million eggs from two Iowa egg farms is the largest but not the last of 85 recalls that have taken place in the year since food safety reform moved to the U.S. Senate. The Consumer Federation of America, the Center for Science in the Public Interest, and U.S. Public Interest Research Group studied recalls of foods over a 13-month period due to contamination by Salmonella, Listeria monocytogenes, and other bacteria.

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

Delivering on the Promise

The recently passed federal health care reform law will make significant changes in how health insurance and health care work for consumers, businesses, and local and state governments, as well as how insurers and providers operate. But whether Americans experience improved care, lower costs and greater access depends largely on what happens next.

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

Delivering on the Promise

The recently passed federal health care reform law will make significant changes in how health insurance and health care work for consumers, businesses, and local and state governments, as well as how insurers and providers operate. But whether Americans experience improved care, lower costs and greater access depends largely on what happens next.

> Keep Reading

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Blog Post | Consumer Protection

30 Years of "Trouble in Toyland," 30 Years of Safety Improvements | Diane Brown

Every year, Arizona PIRG Education Fund releases Trouble in Toyland, a report on toy safety which examines toys bought at major national retailers, looking for safety hazards including toxic toys, choking hazards, labeling violations, powerful magnets, and excessibely loud toys. We continue to find these hazards on store shelves, which indicates the need for continued vigilance and adequate enforcement of safety regulations. But despite lingering dangers, in the last 30 years, we've come a long way in terms of both policy and compliance with standards.

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Blog Post | Public Health, Consumer Protection

What’s up with the ‘DARK Act’? | Anya Vanecek

The House just passed the Safe and Accurate Food Labeling Act of 2015. This will have major implications for GMO labeling and consumer information about the foods they eat.

> Keep Reading
Blog Post | Consumer Protection

The CFPB is 4 years old and has a lot to show for it! | Ed Mierzwinski

Tuesday, July 21, marks four years to the day since the Consumer Financial Protection Bureau opened its doors to protect consumers and make financial markets work. We've summarized some of the ways CFPB works for you on a new web page.

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Blog Post | Consumer Protection

How the CFPB’s Data Keeps Getting Better and Better | Mike Litt

As the CFPB turns 4 years old on July 21, here is some information on how it works for you and how we at PIRG use its data to produce reports, such as our new report on mortgage complaints to the CFPB. We've also got some photos from the Americans for Financial Reform "CFPB at 4" event.

> Keep Reading
Blog Post | Public Health, Consumer Protection

“What you don’t have can’t leak:” A political play in three acts | Carli Jensen

The scene: Washington, D.C. The cast of characters: the President, Environmental Protection Agency head Gina McCarthy, the chemical industry, communities, and advocacy groups across the nation.

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News Release | U.S. PIRG Education Fund

The U.S. Consumer Product Safety Commission (CPSC) announced today that discount stores T.J. Maxx, Marshalls and HomeGoods sold 19 different recalled products to consumers between 2014 and 2019. In the case of five products, the stores’ parent company TJX initiated the recall. The products included the Rock ‘N Play and Kids II inclined infant sleepers, which are responsible for a number of fatalities, rattles that can break and pose a choking hazard, and electronics that overheat or explode. 

News Release | U.S. PIRG Education Fund

The U.S. Food and Drug Administration (FDA) has confirmed today that the drug manufacturers Dr. Reddy’s and Perrigo have initiated a voluntary recall of all of their generic versions of Zantac (ranitidine) -- commonly used to treat heartburn -- due to carcinogen contamination.

News Release | U.S. PIRG Education Fund

Despite more than 50 infant deaths from inclined sleepers, including the Fisher-Price Rock ‘n Play and the Kids II Rocking Sleeper, many versions of this type of product remain for sale and in homes. The U.S. Consumer Product Safety Commission (CPSC) is proposing a new rule that would virtually end the sale of inclined sleepers. 

News Release | Arizona PIRG Education Fund

A new report from Arizona PIRG Education Fund and Frontier Group highlights municipalities across the country that are making the switch to electric buses and reaping the benefits on dual fronts -- reducing emissions as well as operating expenses.

Consumer Protection

Watch out for unsafe toys this holiday season

Our annual “Trouble in Toyland” report found toys with choking hazards, recalled toys still for sale, toxics in slime and more.

 

Consumer Protection

Consumer Alert: Heartburn medication recalled due to carcinogen concerns

If you frequently use Zantac (ranitidine) or a generic version to treat heartburn, you should check if it's a Dr. Reddy’s, Perrigo or Sanofi product and immediately consult your doctor, says PIRG Consumer Watchdog Adam Garber.

 

Consumer Protection | U.S. PIRG

Unsafe used cars for sale

Our new report revealed that AutoNation, which bills itself as “America’s Largest Auto Retailer,” is selling recalled, used vehicles that contain dangerous safety defects. We're calling on AutoNation's Executive Chairman to stop selling cars with unrepaired recalls.

 

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.

 
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