February 8, 2012

Fraud: An Inside Look

Helps consumers understand how easy it is to be conned–and how to avoid fraud. Real consumers, who fell for the pitch, tell their stories and a former scammer gives an insider account of how these operations use high-pressure tactics and how consumers can protect themselves. Comment Moderation Policy We welcome your comments and thoughts about the information on this page. If you do have something to say, please be courteous and respectful to other commenters. We won’t routinely review or edit any comments before they are posted, but we will delete any comments that: 1) contain spam or are off-topic 2) use vulgar language or offensive terms that target specific groups or contain personal attacks 3) are sales pitches, promotions, urls or links to commercial sites 4) spread clearly misleading or false information or 5) include personal information, like home addresses

Representative Eric Palmer (D-Oskaloosa) on Private Right of Action for Consumer Fraud

Rep. Eric Palmer (d-oskaloosa) gives his closing remarks on House File 712- the Private Right of Action from Consumer Frauds Act- protection from consumer fraud under a bill approved by the legislature this week. -April 20,2009
Video Rating: 0 / 5

Phoenix Police Issue a Consumer Fraud Alert on Boat Sales and more…..

Phoenix Police arrest a man on Fraudulent Schemes involving Boat Sales and The Tragic Collision on Carefree Highway makes the news.

What kind of automotive service and repair fraud are there?

Question by 2nd Commander: What kind of automotive service and repair fraud are there?
I need to write a 3 page research paper on automotive service, and repair fraud. any ideas?

who is targeted
frequency
common fraudulent practice etc

also i need a suggestion to make it safer for consumers.

Best answer:

Answer by oldestme
I used to go to a noted dealer and started noticing that the costs for the suppossed charges were outrageous. And I quit them to go to a place that is smaller but more reliable. Told the so called dealer to go fly a kite. They were trying to charge me 00.00 and most of the so called work did not need to be done. But they wanted me to pay for useless work. So I stay away from them. So I would say if you have doubts take it to another person like a reliable mechanic and see what that person says and have it checked out that way.

What do you think? Answer below!

The Illinois Consumer Fraud Act (ICFA) to Protect you Against Misrepresentation

The Illinois Consumer Fraud Act (ICFA) to Protect you Against Misrepresentation

The Illinois Consumer Fraud Act (ICFA) to Protect you Against Misrepresentation


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Home Page > Business > Customer Service > The Illinois Consumer Fraud Act (ICFA) to Protect you Against Misrepresentation

The Illinois Consumer Fraud Act (ICFA) to Protect you Against Misrepresentation

Posted: Aug 25, 2011 |Comments: 0
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The Consumer Federation of America (CFA), the National Association of Consumer Agency Administrators (NACAA), and the North American Consumer Protection Investigators (NACPI) collectively looked at more than a half million complaints in 18 different states, in a 2010 complaint survey conducted by them. Auto-related complaints were quoted as the top issue by consumers and consumer protection agencies for the second year in a row, in this 2010 complaint survey conducted by these three government agencies. These auto-related complaints include misrepresentations in advertising or sales of new and used cars, lemon buy backs and used cars with faulty repairs. These auto-related complaints also include misrepresentations regarding the leasing and towing disputes of the used cars.

The Illinois Consumer Fraud Act (ICFA) is a potential weapon against misrepresentation, concealment and unfair or deceptive practices for an Illinois car consumer to take advantage of.

According to the ICFA the following conduct is unlawful by an Illinois car dealer:
Unfair methods of competition
Unfair or deceptive acts or practices during an Illinois car deal
Use or employment of any deception, fraud, false pretense, or false promise in an Illinois car deal

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Misrepresentation or concealment and suppression or omission of any material fact about an Illinois car

According to the ICFA, an Illinois new or used car consumer needs to establish:
A deceptive act or practice by an Illinois new or used car dealer
The Illinois new or used car dealer’s intent that he rely on the statement
The deception occurred in the course of conduct involving trade or  an Illinois new or used car deal
Actual damage to the Illinois new or used car consumer
The damages were proximately caused by the Illinois new or used car dealer’s deception

An Illinois car consumer does not have to prove that he actually relied on the deception or that the Illinois car consumer had checked the accuracy of the misstatements. Even an innocent misrepresentation by an Illinois new or used car dealer may be actionable under the ICFA. However, the misrepresentation or misstatement by the Illinois new or used car dealer must be of a material fact.

An omission or concealment of a material fact in the conduct of an Illinois new or used car deal constitutes consumer fraud because, a buyer would act differently if he has the information of the material fact of the Illinois new or used car. This information would help the Illinois new or used car buyer in making a decision whether to purchase the said Illinois car. The ICFA also prohibits trade practices in Illinois new or used car deals which are unfair and deceptive. If such conduct is found to be unfair, proof or allegation of deception is not mandatory on part of the Illinois new or used car consumer.

Some of the issues which may help determine if an Illinois new or used car dealer’s conduct is unfair are as the following:
The practice has offended public policy
The conduct is immoral, unethical, oppressive or unscrupulous
The conduct has caused substantial injury to Illinois new or used car consumers
A prevailing Illinois new or used car consumer may be awarded damages, injunctive relief, punitive damages,  reasonable attorney fees, costs and any other relief the Court deems fit.
The Illinois new or used car consumer should bear in mind that an ICFA lawsuit must be brought within three years after the cause of action accrued. Sometimes an action for fraudulent concealment may be brought within five years of the discovery of the cause of action.

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Article Tags:
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Illinois lemon law Help. Get a Free Illinois Lemon Law Case Evaluation and Consultation from our experienced Illinois (IL) lemon law attorney. To our credit, we have hundreds of Illinois lemon law cases settled successfully without the client ever having to pay the attorney the fees.

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Question by J S: Is Minute Maid Lemonade defrauding the public?
If you look at the ingredients of Minute Maid Lemonade in the can (soda section), individual juice box (juice box section), and refrigerated juice box (refrigerated OJ section) they all have the same label (“Minute Maid Lemonade”) and yet they have different amounts of real lemon juice, etc. How can the products be sold under the same name and yet be different? Isn’t this consumer fraud?
The % real lemon juice is different between the three (can, juice box, carton), so the issue isn’t the absolute amounts, but the ratio and the ingredients.

Best answer:

Answer by Nocturnal_Nisha
prbly not….its like taking tap water and filling it in three diffrnt containers…its still the same water

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Question by Jon: Is it true that Autocheck.com is a fraud to allow auto dealers to offer the consumer a lower price on a trade?
The other day I went to a car dealer to trade my vehicle in for a new one. My car has never been in an accident to this point in time. The dealership used autocheck.com to check my vin. the sales people offered me a way low amount of money for my car because they said it is reported that it has been involved in an accident. I demanded they show me the report. I assumed they would use carfax, however, that is not the situation, they used a company called Autocheck.com. It ends up that the so called accident that is on this autocheck.com report was not even an accident. One day two cars behind me got into an accident, one of those cars slightly tapped my bumper. there was no damage. however, the cops were called and a report was written.

nonetheless, this is outrageous that this claim would show up as if my vehicle had been in an accident. I believe that autocheck.com and the dealerships who elect to use autocheck.com are taking advantage of the consumer. Boo on your autocheck.com and beware of dealers who use autocheck.com.

Best answer:

Answer by fallibledragon
Basically what happened is that the dealer found out another car bumped into your bumper. It’s up to YOU to decide whether you want to accept his assessment of the price or not. Either remind him that a bumper is THERE to be bumped, so the car doesn’t get damaged, and that even the bumper wasn’t damaged much, OR tell him he’s an ass, and sell the car somewhere else. Autocheck just gave the dealer information that you should have given him, if you were honest.

Know better? Leave your own answer in the comments!

What is the Republican plan to protect consumers from stock, credit card, mortgage fraud?

Question by ?Rich?: What is the Republican plan to protect consumers from stock, credit card, mortgage fraud?

Do you really think we should get rid of all the consumer protection agencies, the SEC, SIPIC, FBI, EPA, FDA, etc., and the State Attorney General’s and let the average citizen to the wolves?
Bill: Only Simm’s wants an educated consumer, we also need the government to educate the consumer not the cigarett companies, credit card companies, drug, food companies, not them!!

Best answer:

Answer by Rush Limbaugh
A bible in every house. You’ll just have to pray you don’t fall victim. That’s basically the republican plan.

Add your own answer in the comments!

Why is there so much fraud related to Cars?

Question by Colfax: Why is there so much fraud related to Cars?
From dealership scamming people in so many ways such as baiting, usury, price-packing, trade-in etc
to selling salvaged, totaled or flooded cars after fixing.
to rolling back the odometer.
to Craigslist scams that sell stolen cars, or those that just take money and give you no car
to loan and interest frauds
to the insurance frauds etc.
to mechanical and repair frauds, that either don’t fix or overcharge for something minor.
you think the government and media should investigate this more and crack down on this, and protect the consumer more?

Best answer:

Answer by Kenny
because 80% of the population are idiots one way or another.

Add your own answer in the comments!

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Question by CountessN: Can you remove past information off of your Consumer Profile?
Can a previous employer remove derogatory information off of your consumer profile. My situation is that I took a check for over 300 dollars for a customer purchase and the customer forgot to sign it. I was fired and they put me in a database of some kind so every time I try to find a new job, I have cash register fraud on my background check. Is there a way to take this off of my record? Thanks!

Best answer:

Answer by Nettajay
You really need to clear this up. With internet, everything is forever. I don’t see why a customer not signing a check would be considered a fraud, all someone had to do was call the customer and ask for her signature. Is there something you left out of this story? Anyway, if the store still exist, talk to the store manager and see if you can resolve this issue. If that does not work seek legal help. You do not want this black mark to follow you forever.

Know better? Leave your own answer in the comments!

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