JAMES RUSSELL PUBLISHING
CONSUMER ALERT PAGE
advice to save you from grief!"
The free advice here will save
you a lot of money and a bundle of misery. Print it out and pass it
along to your friends or tell them to visit
Advertisers: Consumer beware! Watch television, listen
to radio and notice those huge full page Yellow Page telephone book ads and
you will discover something you may never had been aware of. The
businesses that advertise the most aggressively are usually the very
businesses to avoid. And it makes perfect sense when you think about
it. A good business does not need to advertise wildly because they
have good word of mouth advertising and a successful business. The
businesses that have lousy reviews, are problematic with mistreating
customers and just plain rip-off's are the ones that advertise the most so
they can obtain "new victims" because they have robbed and mistreated
thousands of people over the years. Just because a business has been
in business for 24 years and advertises that fact is usually saying, "We
have been robbing people for 24 years successfully." Buyer beware!
Best advice? Don't do business with companies that advertise heavily
and you will have saved yourself a ton of grief. Just think of how
things went wrong for you and you will see that company advertises more than
their competition. You were their next victim!
Read our many articles from buying
Harley-Davidson and Victory motorcycles and diesel vehicles, and much more.
ATM CARDS: This is the most dangerous! Be aware that if anybody at anytime in anyplace uses an ATM
machine to steal money from your account your bank will tell you, "Sorry, you
are out of luck." I used my ATM card all of the time. I thought
it was safe because it had the VISA logo and even the words "total security
protection" with a symbol of a secure padlock by those words. I found
out the hard way those words are useless and are terribly deceptive to the
When I was in the Black
Hills of South Dakota in the year 2005 somebody in Tennessee accessed an ATM
machine and raided my bank account of $700.00 cash. When I notified
the bank I had to go through a process for their security investigation.
In the end, the bank simply wrote me a letter back telling me there was
nothing they could do for me. Imagine that. You put your money
in the bank, the bank gets robbed and you are out of luck! I
shredded that ATM card and I now went back to using the good old fashion
credit card, pay off the amounts I charge just like a debit card would do so
no interest is being charged.
But now I am protected because of the credit card's natural anti-fraud
features. Do not trust those ATM Cards. Your best bet is to not
trust your bank and simply use a credit card or write a check to make
purchases. The ATM cards are subject to fraud and you will be the
victim when the bank does not reimburse you... and they won't!
Others have lost thousands of dollars and the banks are keeping this quiet
because it would be bad for their business and the economy at large. Yes, you can lose
all of your
money in your bank accounts... all of it. Criminal fraud is not
Identity Theft. That is the loophole. So the I.D. theft
insurance your bank may offer you is useless (and they know it too and still
will not warn customers of the extreme danger of losing your wealth).
Can you afford to come home to only to see that all
your money has been removed from all of your bank accounts? Can you?
Imagine coming home to find a letter in the mail
informing you that the bank wishes you well and they are sorry to see you
leave them as a customer. Then you see the enclosed statement showing
all of your money in your checking, savings and investments wiped out!
Accounts closed! Take this warning seriously. ATM card fraud is
the most dangerous fraud with zero protection for the consumer and it will
wipe you out of every dime you possess! Just owning the ATM card
authorizes the fraud. You must get rid of the ATM card to protect
yourself by telling your bank to close the ATM card account and to never
reopen it again, ever. This now seals your account from ATM card
fraud, but now you still must do one more thing. You must seal your
accounts so there can be no electronic access by the Internet to the
Spread your money around to other banks and make
absolutely sure each account has no electronic access (no Internet banking)
to those accounts, period. For bill electronic paying just use a small
checking account, but keep your savings and investments out of that bank.
Now all that is at risk is your special on-line checking account and that is
all. You can sleep tight.
Note: no matter what your bank teller or bank
employee or supervisor tells you otherwise, do not believe them. Many
are incredibly ignorant of advanced bank fraud policies and they will easily mislead you into
thinking your ATM card is safe, when it is not. Even if it is in
writing it may be of no value as the disclaimers and warrantees void your
chances of getting your money back. The banks can't keep up with the
bank robbers sophistication, so your money is no longer safe, especially if
you own an ATM card and have internet banking activated on your accounts.
Even if you do not use your ATM card, just having it can let thieves rob you
of every dime in your checking and savings accounts and the bank is not
liable to refund you from any loss. It is unfair and cheating the
public. You have to tell
the bank to lock out all your accounts for "no ATM electronic access."
This does not mean you can't have electronic banking in a special checking
account, it just means nobody
can withdraw money from any ATM machine from any location. Protect
yourself and do it now. Tell your friends too! You must close
the ATM card account.
Another good reason to close the ATM card account?
Why bother using it? It has no benefits for you. If you use a
credit card they will give you cash-back and gifts and other nice things to
your benefit. Your bank ATM card gives you nothing and can and may
even utterly ruin you. Think about that! ATM cards are popular,
but using a credit card is a whole lot smarter and safer. There are
limits of liability on fraud on the credit card, but the ATM card has "zero
Beware! Banks are advertising ATM cards
are safe, but they are not safe. Consumers are being tricked with
creative written policies and clever dishonest disclaimers. Your ATM
card may even say, "security guarantee" on it and it still will not protect
you one bit. Beware of bank trickery! Get rid of that ATM card
before it deals you a bad hand. Use cash, check or credit card
This is dangerous to use a company that permits you to use their software
and servers to back up your computer or write documents and save them for
you online. Why? You lose control. Your data can be
deleted by accident and it is forever gone. The company can go out of
business taking all your data and records with them. Security of your
data is a serious problem. If the data is stolen you are sunk.
You lose privacy. You may lose availability to your data if the
company's servers go down for maintenance or fail. Data loss from the
Internet's fault while transferring data over the Web leaves you in a lurch.
You may even lose ownership of your own data if the cloud company
confiscates it as a matter of internal policy or some other reason.
You may not have the flexibility if the cloud's software is not as powerful
as purchased software. Data file export may not be available for the
format you need and that will trap your data on the cloud. You will
pay a fee for some cloud services and the fees may become a monkey on your
back over time and you can't get your data off the cloud. You will
have to sign a contract and it will usually be not in your favor. Stay
away from cloud computing. If you need a software program then buy it
and use it on your own computer. For backups? Buy a portable
hard drive and back up files to that and put it in a safe place offsite.
ISOLATE YOUR MONEY:
Another thing you must now do is isolate your money. If you have a
bank where you keep your checking account, credit cards and online banking,
then do not... I repeat, do not put money into any savings or investment
account with that bank. If that bank is breeched by internet thieves
or the databanks are stolen or hacked into you could lose all of your money.
Yes, it may be FDIC insured, but I warn you this... the FDIC only insures up
to $100,000 and they do not have to pay you until 20 years later. Go
ahead and read the deal, it's really no deal at all. Open another
account in another bank for a nest egg and do not get any ATM or credit
cards or internet online banking service attached to anything at this bank.
Your money is now safe from electronic access regarding unauthorized
withdrawals. Use your other bank for that, but keep your nest egg safe
and secure and hidden from modern criminals. Banks are robbed by guns,
but most are electronically robbed and the banks pass the buck losses to
you! Imagine, you put your money into the bank for safekeeping only to
have the bank rob you! This is an important consumer alert. Do
something to protect yourself now from fraud. Do not procrastinate.
One day you will read your bank statement and see thousands of dollars
removed and the bank will say, "Sorry about that." They just did it to
me. I isolated my money with multiple banks so I will not lose a huge
chunk if criminal fraud hits again. Don't forget to snip into tiny
pieces that ATM card. It will rob you yet and it may already have.
Scan your bank statements for unauthorized withdrawals. Use the credit
card. What you need to do is simply return to the old way of banking,
at least for your savings nest egg.
USE CREDIT CARD - Destroy that ATM card
and use a credit card to make your purchases. When you get home go
online and pay off the card purchase (or weekly). If you are
"responsible" you will not run up a credit balance. Just pay the
bill as if it were an ATM card. It may be like going backwards, but it
sure is worth saving every dime you have in your savings and checking
account. The credit card protects you from unauthorized charges and
purchases from fraud and I.D. theft automatically. Your ATM card is
like having a bank robber in your wallet who will strike when you least
expect it and you will lose your money... guaranteed! Destroy
your ATM cards now. Even check writing is not protected from fraud, so
it is best to use a credit card for all of your purchases. Now the
bank must take the risks back... where it belongs! Also, if you buy
something and it does not work the credit card company has a dispute process
that forces the retailer to "make good" on the deal. When you pay cash
or use ATM you get no protections. Can you see the benefits now?
Make sure you get a credit card where you can make purchases and pay off the
balance in about 30 days without having to pay any interest or other fees.
THEFT - Did you know that most all ID theft occurs not from the
Internet or malicious computer code? It still comes from friends,
relatives and neighbors. The average loss is $15,000. It still
comes from lost or stolen wallets and purses! Those are the facts.
Go to http://www.ftc.gov as this is the
premier Website for victims of identity theft. If possible, try to get
at least $25,000 insurance coverage for ID theft, it will help you a lot
when you do.
DEPOSIT THEFT - Did you know that when you deposit checks at your
bank you are still risking the loss of all of your deposited money?
That is right. Even if you do so in person and you receive a receipt!
Frankly, the receipt is useless. The bank can not use it to track the
checks that have been misplaced, lost or stolen by a bank employee.
What you need to do is write in the "bank routing or ID number" on each
check deposited on the deposit slip. It is a number on the check like
12345/1357-1223 or something similar. Then when you deposit the checks
and give the deposit slip to the bank teller, insist that you obtain a
photocopy of the deposit slip front and back. Now, you are fully
protected. If the deposits do not show up your photocopy record can be
used to track down each check or permit you to locate the individuals and
companies that issued the original check so they can give you a replacement
check. Don't wait until you lose thousands of dollars... heed this
TELLER ERROR - Did you know that if anyone presents a fraudulent
withdrawal slip or a fake check to remove money from your bank account they
will get the money? It is true and you will be liable for the loss!
That is how people are so easily robbed. You assume the bank teller
will ask for identification, but they don't... not in all banks. I
learned this while vacationing in South Dakota that nobody was asking for my
I.D. when I made withdrawals of cash from my bank. I found out later
that you must notify the bank to put a note in your account, "Check I.D.
before withdrawing funds from this account." Now that you know,
tell your bank to check I.D.'s and you will save yourself from bank-error
ESTATE & MORTGAGE FRAUD - Go to this website for more
information; Real Estate Fraud Prevention.
Your will learn how easy it is to get a home stolen from you or how to lose
your down-payment. You need to know this. Many have and are
losing their life savings to fraud. You could be next!
THEFT - Thieves are stealing license plates off vehicles to
attach to their car. They gas up at a gasoline station then drive off
without paying. The anti-theft camera takes a picture of your license
plate and the law comes after you! So, make sure the license plate is
still affixed to all of your vehicles.
REPAIR RIP-OFF - This includes motorcycles, ATV's, jet ski's,
etc. When you bring your new vehicle in for repair at a dealership
make sure the service writer is writing down what you tell him. Do not
trust the service writer as he/she is often under pressure to comply with
the scam. Then make sure if you are bringing in the vehicle for
warrantee repair make sure the service writer does not write in any dollar
figure anywhere where you will agree to pay, even if the service writer says
it will not apply to you in your case. Then, make sure the service
writer (or you do it yourself) on the intake repair request form, "Warrantee
repairs only." The scam is this. The service writer writes a
half-true or confusing repair request, puts in a dollar figure where you
agree to pay in the small print disclaimer section and you sign it agreeing
to all of the above. You assume you will not have to pay anything
because you are bring in the vehicle for warrantee service. The
mechanic then performs repairs saying it was not a warrantee item and the
billing department now charges you money to get your vehicle back.
Regardless, make sure you write, "Warrantee repairs only" on the service
work order form to protect yourself from fraud. Pay by credit card
then dispute the charges. Or if you have to pay cash do so then
contact your State Attorney General office for complaint procedure. It
is amazing how many dealerships are now performing this scam. Why?
Because warrantee work is not as profitable as simply denying the warrantee
situation and bill the customer. Most customers simply do not know
they are being scammed! You are less likely to be scammed if you get
your repair work at Sears and Walmart because they have intense corporate
overseers and a gold reputation to protect. Others chain store type
auto repairs shops are grossly independently operated with no auditing and
you can be easily scammed. Also, the parts and labor prices are
usually lower with Sears and Walmart and the warranty can even be better by
a large margin.
FRAUD - This Web site will help you learn all about how thieves
operate scams to get you to write them a check.
AUTO THEFT ALERT -
The Remote Control Reader
Thieves Now Use
locked my car using my remote control, but as I
walked away, I heard my car door unlock. I went
back and locked my car again three times . Each time, as soon as I started
to walk away, I would hear it unlock again!! Naturally alarmed, I looked
around and there were two guys sitting in a car in the fire lane next to the
store. They were obviously watching me intently, and there was no doubt they
were somehow involved in this very weird situation. I quickly chucked the
errand I was on, jumped in my car and sped away. I went straight t o the
police station, told them what had happened, and found out I was part
of a new, and very successful, scheme being used to gain entry into cars.
Two weeks later, my friend's son had a similar happening.
While traveling, my friend's son stopped at a roadside rest to use
the bathroom. When he came out to his car less than 4-5 minutes later,
someone had gotten into his car and stolen his cell phone, laptop computer,
GPS navigator, briefcase you name it. He called
the police and since there were no signs of his car being broken into, the
police told him he had been a victim of the latest robbery tactic.
There is a device that robbers are using now to clone your security
code when you lock your doors on your car using your key-chain locking
device. They sit a distance away and watch
for their next victim. They know you are going inside of the store,
restaurant, or bathroom and that they now have a few minutes to steal and
run. The police officer said to manually lock your
car door-by hitting the lock button inside the car that way if there is
someone sitting in a parking lot watching for their next victim, it will not
When you manually use the lock button on your car
upon exiting, it does not send the security code, but if you walk away and
use the remote control door lock on your key
chain, it will send the code through the airwaves
where it can be instantly stolen.
Be wise. Be aware of what you just read and
please pass this advice on to
your friends, relatives and co-workers. If you
continue to use your remote control? You could lose your car and/or
Cover up the Vehicle Identification Number (VIN)
on your dash board with a book or hat. Why? Because all a thief
need do is take down the number, go to a locksmith and that VIN will cross
reference for the key code and the automobile factory will ship new keys and
even the Keyfob or pad entry code to open your car doors and start the car.
This is a very fast way to steal your car and thieves are using it to their
profit. Be smart and cover up that VIN number. If you have
expensive wheels? Buy lug nut locks at any auto parts store or you
will risk losing those wheels.
Danger - Never pay with a check when having your car or home keys made.
Use cash or credit card. Why? The locksmith can easily make a
copy of your key, sell it to thieves along with your name and address so
they know where to go to steal your car from your home or break into your
home. And now that the thieves are in your home they can get your
computer and/or social security number and steal your identity too.
All this grief because you trusted a locksmith you do not know!
MEDICAL RECORDS You need to read your medical file to see what
your doctor and dentist is really saying about you. Hint: it
will not be nice! I have seen even sexual harassment allegations with
staff members being noted when no such behavior exists. Why do doctors
badmouth their patients? Lawsuit protection. They need to "mar"
your reputation so in case you ever do file a law suit their insurance
company will have "negative" statements about you to destroy your
credibility to a jury. Is this lawful? Yes. Civilly
unlawful? Yes. You can sue your doctor for maligning your
character. Don't think you are immune from such character
assassination. Read your medical files and you will be shocked at what
you will find. Now you will know why your doctor asks you strange and
unusual questions that are not medically related in his small talk.
Beware! These medical files follow you everywhere you go and tip off the new
doctor that you are a potential threat, yet you are not in reality, but on
paper you are.
ALOUD IN PUBLIC:
You are at the bank, doctor office or pharmacy and they need your social
security number. Do not speak it aloud so other people can hear you.
Instead, write it down and hand it over and don't forget to take the note
back. Do not let the employee destroy it for you for they may not do
so and sell it to a thief for identity theft.
VISIT JAMES RUSSELL PUBLISHING.COM
We have free gifts for you, free helpful articles, an
art gallery, good shopping and many powerful books to help you succeed.
Come on over and check us out right now!
Direct TV Programming Guide! If you have a Direct TV Satellite system
we have published a handy "free" guide to help you negotiate all the
channels. You can even write in your own channels too! It's
free. Check it out. Click here Free
Direct TV Programming Guide
to Buy a Pellet Stove - Read this before you buy! It will save you a lot of
money! Explains everything you need to know and many tips on how not
to be "taken" by the pellet stove dealer where you could lose thousands of
Bets - Businesses to Avoid. This can save you a lot of grief.
of All Helpful Articles on Our Web Site.
PUBLISHING RIGHTS - the
article is copyrighted October , 2005 and 2010, but you are granted the right to
publish the article herein titled "Consumer Alert Page" in perpetuity.
You must include the entire article as is, with no changes of wording.
That includes the commentary section by James Russell. We do request
you give full credits to James Russell Publishing and to post an active
Website link to James Russell Publishing Website. This publishing
right may also be arbitrarily rejected and withdrawn if the article is
misused or employed into an obscene or an offensive environment of which it
was not intended to be portrayed.