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Your guide to being a cranky consumer
Want to know how to complain, where to seek a refund, when to howl about a bad offer? DollarWise gives you the tools to get the job done now.


Protect yourself: The safest ways to pay online
One of the best ways to be vigilant against fraud online is to make smart choices on how you pay for your purchases. Here's how to make your shopping safe and secure.

How to complain and win
Wrangling with customer service representatives is an art form, but you can do it successfully with a little knowledge and a stubborn streak.



Fast facts
Federal law limits your liability to $50 for unauthorized purchases made with your credit card.

The FTC’s Mail Order Rule requires merchants to ship orders within the time promised or, if no time is specified, within 30 days of receiving your order. For delayed orders, merchants must notify you of the new shipping date and give you the option of canceling for a full refund.

Internet Fraud Watch’s Top Net scams of 2002:
  1. Online Auctions (90% of complaints)
  2. General Merchandise (5%)
  3. Nigerian Money Offers (4%)
  4. Computer Equip/Software (0.5%)
  5. Internet Access Services (0.4%)
  6. Work-at-Home Plans (less than 0.1%)
  7. Information/Adult Services (less than 0.1%)
  8. Travel/Vacations (less than 0.1%)
  9. Advance Fee Loans (less than 0.1%)
  10. Prizes/Sweepstakes (less than 0.1%)


Tools
Find out if you’re a savvy spender

Evaluate your debt with our calculator.

Credit Reports: Find out what lenders say about you


Quick Reference
Where do I get information on consumer credit laws?

How safe is it to use a credit card to purchase items or services on the Web?

Where do I get information on filing consumer complaints?



Where to complain
The Federal Trade Commission

The BBB Online

National Fraud Information Center (NFIC)

EConsumer.gov (for cross-border Net complaints)


Arm yourself: Consumer tips and news
Consumer.gov

The FTC’s consumer guides

The National Do-Not-Call Registry

The NFIC’s Internet Fraud Watch

Consumers Union

ScamBusters

Urban Legends Reference Pages

Top Searches on Urban Legends Reference Pages


Other MSN Money articles
The top 9 e-mail hoaxes

5 ways to avoid auction rip-offs

Hang up on telemarketers -- for good

10 ways to foil the privacy thieves

How to secure your Net identity

How shopping bots really work


Elsewhere on MSN
MSNBC: The latest tech hacks and scams

Consumer Reports on MSN Shopping

MSN Stay Safe Online


Related Decision Centers
Find great deals online
Discover the best ways to shop and save via the Internet.

Guard your financial privacy
A guide for securing your data and shielding it from prying eyes.


Community
Share online shopping and safety tips on the Your Money message board.