Beware Bogus Charges on Your Mobile-Phone Bill
Take these steps to protect yourself from mobile cramming.
John Breyault is vice-president of public policy, telecommunications and fraud at the National Consumers League in Washington, D.C.
Mobile cramming refers to any unauthorized charge that appears on your bill. The fraud was initially associated with landline phones and is migrating to wireless phones. Cramming occurs when a third party signs you up for a service that you don’t know you’re paying for. Maybe you were asked to enter your number on a Web site to access a joke of the day, for example, or a horoscope. This is the first part of a “double opt in.” Then you might get a text message saying something like “reply STOP if you don’t want this.” Considering it spam, you delete it. As a result, you get signed up for these recurring charges, typically about $10 a month. Because the charges are buried in multipage phone bills, consumers don’t notice and might get charged repeatedly over the course of many months.
What is mobile cramming, and why is it a problem?
Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
How can people protect themselves?
Treat your cell-phone number as you would cash or a credit card. Don’t just give it out. If you’re asked to enter a number to access information online that you can find free elsewhere, it could be a scam.
What should people look for on their bills?
These charges can be labeled practically anything. Carriers do a fair job of breaking out their fees, so look for additional services or miscellaneous charges that are not associated with your regular service.
If you find illegitimate charges on your bill, what should you do?
Complain to the carrier and ask it to block third-party billing. Let the regulatory agencies know. If you report the problem via our online complaint form at www.fraud.org, we’ll share that information with more than 90 law-enforcement and consumer-protection agencies, including the Federal Trade Commission and the Federal Communications Commission.
What about cramming on credit card bills? Does the same advice apply?
Again, it’s important for consumers to regularly review their credit and debit card bills to make sure they’re not getting hit with fraudulent charges. Report a suspicious charge to your credit card company or bank as soon as possible; consumers aren’t usually charged for fraudulent use of their cards if they dispute it promptly. With mobile cramming, though, carriers are under no legal obligation to waive the fees or pay for fraud that occurs over their system.
To continue reading this article
please register for free
This is different from signing in to your print subscription
Why am I seeing this? Find out more here
-
Why Tesla Stock Is Soaring After a Q1 Earnings Miss
Tesla came up short of analysts' expectations for its first quarter, yet its stock is roaring higher today. Here's why.
By Joey Solitro Published
-
Eight Easy Ways to Save Money Without Compromising Your Lifestyle
Saving money can be as simple as a quick phone call.
By Kiplinger Advisor Collective Published
-
403(b) Contribution Limits for 2024
retirement plans Teachers and nonprofit workers can contribute more to a 403(b) retirement plan in 2024 than they could in 2023.
By Jackie Stewart Published
-
Roth IRA Contribution Limits for 2024
Roth IRAs Roth IRA contribution limits have gone up for 2024. Here's what you need to know.
By Jackie Stewart Published
-
Four Tips for Renting Out Your Home on Airbnb
real estate Here's what you should know before listing your home on Airbnb.
By Miriam Cross Published
-
Five Ways to a Cheap Last-Minute Vacation
Travel It is possible to pull off a cheap last-minute vacation. Here are some tips to make it happen.
By Vaishali Varu Last updated
-
How Much Life Insurance Do You Need?
insurance Instead of relying on rules of thumb, you’re better off taking a systematic approach to figuring your life-insurance needs.
By Kimberly Lankford Published
-
Five Reasons You Shouldn't Shop on Amazon Prime Day
Smart Buying Think twice before getting lured into buying a bunch of stuff you don't need just because it's on sale.
By Andrea Browne Taylor Published
-
When Is Amazon Prime Day?
Amazon Prime In 2023 Amazon had two Prime Day events — one in July and another, called Big Deal Days, in October. We expect 2024 to follow the same schedule.
By Bob Niedt Last updated
-
How to Shop for Life Insurance in 3 Easy Steps
insurance Shopping for life insurance? You may be able to estimate how much you need online, but that's just the start of your search.
By Kaitlin Pitsker Published