Consumer Alerts

Military Families have Credit Protections

Military Families have Credit Protections

Wed, Jul 13, 2016

The Servicemembers Civil Relief Act (SCRA) offers a number of protections for active duty members of the military and their families. The SCRA provides protections from evictions, postponement of civil court matters until the service member returns from active duty and also caps interest rates at 6 percent, but the SCRA also ensures that military servicemen and women who seek protections through the SCRA are not discriminated against by lenders.

The SCRA prevents lenders from denying or revoking credit, changing the terms of an existing loan or refusing to grant credit to a service member because they previously sought SCRA protections. Claiming those SCRA rights is not to be used as the basis for a lender to generate a negative credit report or conclude that the service member is unable to pay a debt.

Arkansas Attorney General Leslie Rutledge issued today’s consumer alert during Military Consumer Protection Month to educate active duty members of the military about the SCRA and the many protections it offers.

“The Servicemembers Civil Relief Act protections are in place to ease legal and financial burdens on military service members and their families,” said Attorney General Rutledge. “The demands of active duty can take a toll on families. The brave men and women who put their lives on the line need to know the laws that are in place to protect them.”

Attorney General Rutledge released the following tips for active duty military service members who believe their rights under the SCRA have been violated:

  • First, seek the counsel of a military legal assistance attorney to determine if your SCRA rights have been violated.
  • If the military attorney determines that a violation of the SCRA has occurred, the service member must retain a private civilian attorney with SCRA expertise in order to pursue a lawsuit. The Arkansas Bar Association provides a database of Arkansas attorneys.
  • Possible remedies to these types of issues include the recovery of monetary damages, legal costs and attorney fees.

Rutledge is dedicated to serving and protecting military members through the first-ever Military and Veterans Initiative at the Attorney General’s office. This initiative assists active duty military, reservists, veterans and their families with consumer related issues, veterans courts, Hiring Heroes program and other collaborative efforts.

Arkansas military service members, veterans and families should file consumer complaints with the Attorney General’s office on or by calling (800) 482-8982.

For more information and tips to avoid scams and other consumer related issues, contact the Arkansas Attorney General’s office at (800) 482-8982 or consumer@arkansasag.govor visit or

Spot Skimmers and Keep Your Cash

Spot Skimmers and Keep Your Cash

Thu, Jul 7, 2016

Scammers are adapting as technology continues to advance. While card reader fraud has been around for a number of years, these con artists are finding new ways to steal your money, like placing a skimmer on a credit and debit card reader.

A skimmer is a malicious card reader that goes over the existing card reader and is designed to steal data off the card’s magnetic stripe. These readers are small and can be installed anywhere there is a card reader, including ATMs and at the gas pump. The thief then clones the cards for his or her own use.

Arkansas Attorney General Leslie Rutledge issued today’s consumer alert to educate Arkansans about this scam and provide tips to avoid falling victim to skimming.

“This type of card reader scam has evolved over the last decade, with CBS News reporting skimming instances rising 546 percent between 2014 and 2015,” said Attorney General Rutledge. “While that number is staggering, there are some clues Arkansans can look for that could be signs of a tampered card reader. Hard-working Arkansans should remain diligent in protecting their personal and financial information.”

Attorney General Rutledge released the following tips to catch a skimmer:

  • Check for obvious signs of tampering. If something looks different, such as a different color or material or the graphics are not aligned correctly, do not use that card reader.
  • Wiggle everything, including the card reader. ATMs are solidly constructed and usually will not have any parts that loosen. Also wiggle the card as it is inserted. PC magazine reports that the skimmer needs the card to go in straight to read the data correctly, but most ATMs take the card and return it later so the movement will not affect the transaction but could foil a skimmer.
  • Cover your hand while entering the PIN number. Criminals need your PIN number in order to use the card and will often set up small, hidden cameras to watch you enter the number. Shielding the keypad with your free hand could protect your bank account.
  • Use ATMs in busy locations. Scammers need time to install the skimming equipment and are less likely to take that risk if there are people around. ATMs inside banks and grocery stores are usually safer than those outside on the sidewalk.
  • Monitor both your bank account and credit card transactions and report any theft to your bank or card issuer as soon as possible. Consider setting up text or email alerts that go straight to your phone so that banks and credit card companies can reach you as soon as they notice any suspicious activity.
  • Use a credit card whenever possible because credit card transactions can be halted and reversed at any time. Meanwhile, an unauthorized debit transaction needs to be caught within 48 hours to keep your liability for the transfer low.

Because most of the current chip-enabled cards currently being used in the U.S. are also equipped with the magnetic stripe, they will not be protected from this type of scam.

For more information on steps to take if your identity has been stolen and other consumer-related issues or to file a consumer complaint, contact the Attorney General's office at (800) 482-8982 or or visit or

Celebrate Independence Day Safely

Celebrate Independence Day Safely

Wed, Jun 29, 2016

On July 4, 1776, the Declaration of Independence was adopted by the original 13 colonies, declaring independence from England and setting the groundwork for the creation of the United States of America. President John Adams wrote a letter to his wife, Abigail, saying “I am apt to believe that it will be celebrated, by succeeding Generations, as the great anniversary Festival.”

Many Arkansans have traditions that include family picnics and fireworks displays. Some attend one of the large displays across the State. But other Arkansans put on their own displays, including firecrackers, Roman candles and illuminating torches.

Arkansas Attorney General Leslie Rutledge issued today’s consumer alert to remind Arkansans to keep safety in mind when using fireworks this Independence Day.

“Fireworks are a traditional part of Fourth of July celebrations around Arkansas,” said Attorney General Rutledge. “But those who decide to put on their own displays need to use caution because fireworks can be extremely dangerous when not used properly. Improper use or malfunctioning fireworks can lead to fires, particularly with recent dry conditions, along with serious injuries and even death.”

Attorney General Rutledge released the following tips for consumers who are planning their own holiday fireworks show:

  • Only buy fireworks from a licensed store, tent or stand.
  • Use fireworks outdoors in a clear area.
  • Read and follow all warnings and instructions.
  • Supervise children at all times and make sure adults light every firework, including sparklers, which can reach 2,000 degrees.
  • Make sure other people are out of range before lighting fireworks.
  • Never relight a malfunctioning firework. Soak the duds in water and throw them away.
  • Do not shoot fireworks from metal or glass containers.
  • Keep a water hose or bucket of water nearby in case of a fire.

Arkansas’s “Fireworks Act” restricts the types of fireworks that can be sold in the State and the amount of explosive material that each firework may contain.

Firework vendors are required to have a State license. They may not sell fireworks to anyone under the age of 12 or to anyone who appears to be intoxicated. Municipal ordinances may also restrict or regulate fireworks sales and use.

State law only allows exploding fireworks to be sold each year from June 20 to July 10 and from Dec. 10 to Jan. 5. Non-exploding items, such as sparklers and snakes, may be sold throughout the year.

For more information about other consumer-related issues or to file a consumer complaint, contact the Attorney General's office at (800) 482-8982 or or visit or

Research Pet Boarding Facilities

Research Pet Boarding Facilities

Wed, Jun 22, 2016

Oftentimes, four-legged family members are left at home while the rest of us take a summer getaway. Some Arkansans will have friends stop by to feed, water and walk or play with these beloved animals on a regular basis, but others will opt to locally kennel or board the family pet.

While kenneling or boarding a pet can be stressful, Arkansas Attorney General Leslie Rutledge issued today’s consumer alert to help Arkansans learn what to look for in a facility to ensure the animal’s safety.

“There are a lot of different things to consider when dropping off an animal at a kennel for a few days,” said Attorney General Rutledge. “Is the facility clean, do they have enough staff members to handle the number of animals, what is their medical care plan if necessary? These are all questions to ask when deciding the best kennel to keep your furry family member while away.”

Attorney General Rutledge released the following precautions for pet owners to take when considering boarding their pet.

  • Ask family and friends for recommendations of facilities they have used when boarding their pets. And research online to see if any complaints have been filed against the company.
  • Check out the facility on the web and on social media. Read comments by former or current customers.
  • Visit the facility. Check for cleanliness and the overall safety of the kennel and cages.
  • Ask about interactions between the animals. Some kennels let animals play together while others keep them separate at all times. Make sure the facility requires proof of immunizations and ask if they have any flea and tick control policies.
  • Inquire about the background and experience of the staff and ask the facility for references. Take note of how they interact with other boarded pets on your visit.
  • Thoroughly read the boarding agreement. Verify it includes the feeding and exercise schedule, as well as pick-up and drop-off hours. Some facilities offer bathing, nail trimming and immunizations as additional services. Make sure these and any other additional fees, like medical emergencies or other care, are included in the agreement.
  • Have a backup plan like a trusted friend, family member or veterinarian in case of an emergency.

Rutledge also recommends to start checking out facilities ahead of time and consider boarding your pet for a night or two as a trial run before leaving him/her for an extended period of time.

Remember that pets need adequate play time and space, and animals should not only be segregated by size but also by play styles and energy levels.

For more information about traveling and other consumer-related issues or to file a consumer complaint, contact the Attorney General's office at (800) 482-8982 or or visit or

Timeshare Resale Troubles

Timeshare Resale Troubles

Wed, Jun 15, 2016

Some Arkansans may have previously decided to invest in a timeshare. They had been sold on a guaranteed vacation location, upscale lodging accommodations and the ability to exchange shares for other properties. But now they may be strapped by expensive annual maintenance fees, difficulty exchanging weeks and locations and finding that the property value they assumed would remain steady or even increase has remained the same or decreased.

A timeshare is a type of property in which an owner buys the right to use it for a designated period of time. Timeshares are most often condominium units at a popular destination and usually have a number of “owners.”

After timeshares gained popularity in the 1970s and 1980s, the market was overdeveloped, resulting in a flood of properties that now have depressed values, which has made resale difficult.

Arkansas Attorney General Leslie Rutledge issued today’s consumer alert to encourage Arkansans considering selling their share of a timeshare to do research to find a reputable seller.

“Sales people often pressure consumers into purchasing a timeshare, and the decision is often an emotional and impulsive one,” said Attorney General Rutledge. “Later, some consumers decide to sell their ‘ownership’ but can run into difficulties finding a buyer. They then turn to one of the many companies offering to help resell, but Arkansans need to make sure they are dealing with a reputable seller.”

Attorney General Rutledge released the following tips for Arkansans looking to resell their timeshare:

  • Beware of timeshare resellers who contact you unsolicited with a promise to resell your timeshare.
  • If they say they have willing buyers, it is probably a lie.
  • Never pay a substantial advance fee for resale assistance. A reputable seller will charge a commission paid only upon sale, like a normal real estate transaction. An advance fee may be called a “marketing fee,” a “listing fee,” an “internet advertising fee” or other related fee.
  • Get an independent appraisal from a licensed appraiser before agreeing on any resale assistance contract.
  • Deal only with licensed agents.

Unfortunately, a number of operations exist that try to take advantage of “owners” desperation to sell. They offer assistance with selling the timeshare and relief from the burden of the continuing costs of ownership. They often collect hundreds or thousands of dollars in so-called “deed transfer” or “marketing” fees but never complete the sale.

For more information about traveling and other consumer-related issues or to file a consumer complaint, contact the Attorney General's office at (800) 482-8982 or or visit or

Get Educated with the GI Bill

Get Educated with the GI Bill

Wed, Jun 8, 2016

he GI Bill has grown and changed since it was signed into law by President Franklin Roosevelt in 1944, but the goal of the bill remains the same – to help service members learn a skill or attend college, placing them on a path to a successful career.

In 2008, the GI Bill was updated and is now called the Post-9/11 GI Bill. This update provided more resources to cover educational expenses, a monthly housing allowance, up to $1,000 a year for books and supplies and a one-time relocation allowance for veterans who served on active duty for 90 days or more since Sept. 10, 2001. The bill also provides tuition assistance and a book stipend to current active duty service members.

Arkansas Attorney General Leslie Rutledge issued today’s consumer alert to educate veterans and military families about the various benefits available under the GI Bill.

“The brave men and women who protect our country oftentimes put their education on hold during their service,” said Attorney General Rutledge. “The GI Bill has provided incentives for service members to continue their education for decades with great success. The expansion of the program assists veterans who have served since 9/11 transition to civilian life by learning new skills for job opportunities, and I hope this alert will help spread the word about available resources.”

Attorney General Rutledge released the following list of training programs available under the GI Bill:

  • Undergraduate and graduate degree programs
  • Vocational/technical training
  • On-the-job/apprenticeship
  • Licensing and certification reimbursement
  • National testing reimbursement
  • Entrepreneurship training
  • Flight training
  • Correspondence training
  • Work-study programs
  • Tuition assistance
  • Tutorial assistance

Benefit payments are provided in tiered amounts based on the amount of active duty service. Service members who have served at least 36 months after Sept. 10, 2001 are eligible to have 100 percent of their tuition to a public institution covered or up to $21,970.46 per year at a private or foreign school. Meanwhile, the Yellow Ribbon Program is available to service members to make up any difference in cost.

In order to be eligible for the Post-9/11 GI Bill, service members must have served at least 30 days of continuous active duty and be discharged because of a service connected disability or served an aggregate of 90 days of active duty and received an honorable discharge. Service members who meet the criteria for this benefit have 15 years to use the assistance. Reservists and Guard members are also eligible for the Post-9/11 GI Bill.

Benefits are also transferable to family members, including a spouse or child. If the service member has died in the line of duty on or after Sept. 10, 2001, his or her children may be eligible for additional benefits under the Marine Gunnery John David Fry Scholarship Program.

For more information and tips to avoid scams and other consumer related issues, contact the Arkansas Attorney General’s office at (800) 482-8982 or or visit or

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