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Western UnionFederal Trade Commissions Role in Protection

The Federal Trade Commission job is to protect and inform consumers by gathering basic information from numerous people that have complained about a company. To better understand the protections from The Federal Trade Commission you need to understand their job function.  As a function to the Government, they handle your right to receive a free credit report, use the National Do Not Call Registry to block unwanted telemarketing calls, or refer to product warranties, care labels in your clothes, or stickers showing the energy costs of home appliances, and numerous other issues

The Bureau of Consumer Protection works to protect consumers against unfair, deceptive, or fraudulent practices in the marketplace. The Bureau conducts investigations, sues companies and people who violate the law, develops rules to protect consumers, and educates consumers and businesses about their rights and responsibilities. The Bureau also collects complaints about consumer fraud and identity theft and makes them available to law enforcement agencies across the country.

The Bureau has seven divisions, each with its own area of expertise:

Advertising Practices 

Protects consumers by enforcing the nation's truth-in-advertising laws, with particular emphasis on claims for food, over-the-counter drugs, dietary supplements, alcohol, and tobacco and on conduct related to high-tech products and the Internet, such as the dissemination of spyware.


Consumer and Business Education 

Plans, develops, and implements creative national campaigns to alert consumers to their rights and to explain the science of compliance to industry.


Enforcement 

Litigates civil contempt and civil penalty actions to enforce all FTC federal court injunctions and administrative orders that address consumer protection issues, including advertising and financial practices, data security, high-tech fraud, and telemarketing and other scams. The Division also coordinates FTC actions with criminal law enforcement agencies through its Criminal Liaison Unit; litigates civil actions against those who defraud consumers; and develops, reviews, and enforces a variety of consumer protection rules.


Financial Practices 

Protects consumers from deceptive and unfair practices in the financial services industry, including protecting consumers from predatory or discriminatory lending practices, as well as deceptive or unfair loan servicing, debt collection, and credit counseling or other debt assistance practices.


Marketing Practices 

Leads the Commission's response to Internet, telecommunications, and direct-mail fraud; deceptive spam; fraudulent business, investment, and work-at-home schemes; and violations of the Do Not Call provisions of the Telemarketing Sales Rule.


Planning & Information 

Collects, analyzes, and makes available to law enforcement consumer fraud, identity theft, and National Do Not Call Registry complaints; assists in the distribution of redress to consumers; and provides cutting-edge technological investigative and litigation support.


Privacy and Identity Protection 

Safeguards consumers' financial privacy; investigates breaches of data security; works to prevent identity theft and aids consumers whose identities have been stolen; and implements laws and regulations for the credit reporting industry, including the Fair Credit Reporting Act.


          Where To File Complaints:

 

FTC Complaint Assistant. So that we can properly record your complaint, you will first be asked to answer a series of questions. After answering these questions, you will have the opportunity to provide us additional details regarding your complaint in your own words. Click on logo to file a complaint.


Before You Submit a Complaint

The Federal Trade Commission, the nation's consumer protection agency, collects complaints about companies, business practices, and identity theft.

Why: Your complaints can help us detect patterns of wrong-doing, and lead to investigations and prosecutions. The FTC enters all complaints it receives into Consumer Sentinel, a secure online database that is used by thousands of civil and criminal law enforcement authorities worldwide. The FTC does not resolve individual consumer complaints.

 

Consumer Sentinel Military helps to identify and target consumer protection issues that affect members of the United States Armed Forces and their families. Click here to file a consumer complaint if you are a member of the United States Armed Forces.

     

econsumer.gov is a portal for you as a consumer to report complaints about online and related transactions with foreign companies.  Click here to file a cross boarder complaint.

     
National Do Not Call List

National Do Not Call Registry

The National Do Not Call Registry gives you a choice about whether to receive telemarketing calls at home. Most telemarketers should not call your number once it has been on the registry for 31 days. If they do, you can file a complaint at this Website. You can register your home or mobile phone for free.

     
State Attorney General's

allthatjazzz.com webpage with links to where you should file complaint information with your local State Attorney and their consumer protection website. allthatjazzz.com has the most complete information you will find on the web click the link and find your state.

          To contact the three major credit bureaus:

Equifax 
P.O. Box 105873
Atlanta, GA 30348
http://www.equifax.com offsite icon
(800) 685-1111

 

Experian (formerly TRW)
P.O. Box 2104
Allen, TX 75013-2104
http://www.experian.com offsite icon
(888) 397-3742

Trans Union
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
http://www.transunion.com offsite icon
(800) 916-8800 or (800) 888-4213

To get your free credit report please contact:  AnnualCreditReport

          Other consumer protection links:

Bureau of Consumer Protection    
     
   

 

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Quick links

Consumer Credit Protection

bullet Consumer Credit Cost Discloser
bullet Restrictions On Garnishment
bullet Credit Repair Organizations
bullet Credit reporting Agencies
bullet Equal Credit opportunity
bullet Debt Collection Practices
bullet Electronic Funds Transfers

From The Federal Trade Commission

bullet The Fair Credit Reporting Act 
bullet The Fair and Accurate Credit Transactions Act of 2003
bullet "Red Flags" Rule 
bullet Educational Material
bullet Staff Opinion Letters (1997-2001)
bullet Selected Commission FCRA Actions
bullet User and Furnisher Obligations

Read More On Credit Issues

bullet Credit and Charge Cards
bullet Bank Products
bullet Frauds and Scams
bullet How to Establish, Use, and Protect Your Credit
bullet Plastic Fraud
bullet Your Credit Report
bullet Your Credit Rights

Read More On Mortgage Issues

bullet Settlement Cost
bullet Lock-Ins
bullet Adjustable-Rate (ARM)
bullet Refinancing
bullet Private Mortgage Insurance

 


Want a better way to market your practice?


Learn About the New Credit Card Rules 

Learn About the New Credit Card RulesThe Federal Reserve Board announced new rules for credit card companies, effective February 22, 2010. Check out the new site, "What You Need to Know: New Credit Card Rules," to review the new credit card protections designed to benefit consumers and key changes you should expect. (learn more)


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