TIPS TO AVOID LOCKSMITH SCAMS AND HOW TO FIND A LOCAL LOCKSMITH.

 

YOUR FIRST THOUGH WHENEVER YOU LOCKED YOURSELF OUT OF YOUR CAR OR HOME IS TO GET A FAMILY MEMBER OF FRIEND TO HELP YOU OUT OF YOUR SITUATION, IF WE HAD A SPARE SET OF KEYS.  YOUR NEXT CALL WILL PROBABLE BE TO CALL A LOCKSMITH.  BEFORE YOU MAKE THAT CALL, PLEASE CONSIDER THIS:  ACCORDING TO THE FEDERAL TRADE COMMISISION (FTC), THE NATION'S CONSUMER PROTECTION AGENCY, A LOT OF LOCKSMITH ADVERTISING IN YOUR LOCAL TELPHONE BOOK OR INTERNET, MAY NOT BE LOCAL AT ALL.  THEY MAY NOT EVEN HAVE A PROFESSIONAL TRAINING AND WHAT IS EVEN WORST; SOME OF THEM MAY USE INTIMIDATING TACTICS TO OVERCHARGE YOU.

 

WHEN "LOCAL" ES REALLY LONG DISTANCE.

 

CONSIDER THIS SCENARIO: A COMPANY FAR AWAY FROM YOU TOWN CHOOSES A NAME FOR its BUSINESS THAT IS VERY SIMILAR TO THE NAME USED BY A LOCAL LOCKSMITH.  THE COMPANY ADVERTISES IN THE PHONE BOOK OR ON THE WEB USING A LOCAL TELEPHONE NUMBER AND LOCAL ADDRESS.  WHEN YOU CALL THE NUMBER, YOU ARE ACTUALLY CONNECTOD TO A CALL CENTER IN ANOTHER CITY, WHAT’S MORE, THERE’S NO LOCKSMITH SHOP AT THE ADDRESS LISTED.

 

A LOT OF THOSE COMPANIES PAY TOP DOLLARS TO ADVERTISING COMPANIES THAT PROMISE TO PUT THEIR BUSINESS ON THE TOP SEARCH OF ANY SEARCH BROWSER.

 

SOME WHO CLAIM TO BE “LOCAL LOCKSMITH”  COMPANIES HAVE MULTIPLE LISTINGS (SOMETIMES 10 OR MORE SEPARATE LISTINGS IN A SINGLE PHONE BOOK OR ON A SINGLE PAGE WHEN YOU SEARCH FOR A LOCKSMITH WITH YOUR FAVORITE SEARCH ENGINE. WITH DIFFERENT NAMES.  HOWEVER, THE CALLS TO EACH OF THESE NUMBERS GO BACK TO THE SAME CENTRAL NUMBER IN A DISTANT CITY WHERE OPERATORS DISPATCH UNTRAINED INDIVIDUALS (NOT ALWAYS) TO DO THE JOB.

 

MOST OF THESE COMPANIES WILL NOT TELL YOU THE TOTAL COST FOR THE SERVICE YOU’RE REQUESTING, BECAUSE THEY SUBCONTRACT LOCAL SO CALLED LOCKSMITH TO WHOM THEY PAY A LOW PERCENTAGE USUALLY 30%, SOMETIMES 35% OR 40%.  SOME OF THEM DO NOT HAVE A REGISTER COMPANY WITH THE DIVISION OF CORPORATIONS.  HERE IS A LINK YOU CAN COPY AND PASTE IN YOUR BROWSER TO TAKE YOU DIRECTLY TO THE SUNBIZ OFFICIAL STATE OF FLORIDA WEBSITE.  ONCE YOU’RE IN THAT PAGE PUT THE ENTITY (COMPANY NAME) ON THE PROPER BOX AND DO A SEARCH NOW.  IF THE COMPANY YOU’RE ENQUIRING ABOUT IS REGISTER IS GOING TO COME UP AND IS GOING TO SAY ACTIVE OR NOT ACTIVE.  (MAKE SURE IS AN ACTIVE COMPANY)

 

http://search.sunbiz.org/Inquiry/CorporationSearch/ByName

 

MOST OF ALL THOSE COMPANIES, BUT NOT ALL DO NOT HAVE AN OCCUPATIONAL LICENSE ISSUE BY THE CITY WHERE THEY ARE OPERATING, SO THEY ARE OPERATING ILLEGALY.  MOST OF THEM DO NOT HAVE INSURANCE OR A GENERAL LIABILITY TO COVER ANY DAMAGES WHILE PERFORMING WORK IN YOUR CAR, RESIDENCE OR BUSINESS.

 

MOST OF THOSE GUYS THAT COME UP TO DO THE SERVICE DO NOT COME UP ON A MARK COMPANY VEHICLE, MOST OF THEM SHOW UP IN PRIVATE CAR OR A PRIVATE VAN AND WHAT IS WORSE, THEY DO NOT HAVE THE PROPER TRAINING OR KNOWLEDGE TO PERFORM THE JOB IN A PROFESSIONAL MANNER.  YOU MAY BE QUOTED A LOW PRICE ON THE PHONE, KEEP IN MIND THAT THE PRICE YOU’RE BEEN GIVING IS ONLY TO COVER THE SERVICE FEE OR SERVICE CALL, ONCE THE LOCKSMITH GETS THERE, HE IS THE ONE WHO’S GOING TO DETERMINE WHAT WILL BE THE TOTAL CHARGE, HE MAY WANT SIGNIFICANTLY MORE MONEY IN ORDER FOR HIM TO MAKE MONEY.  THE LOCKSMITH ALSO MAY ACCEPT ONLY CASH, IN SOME CASES SOME OF THEM MAY HAVE A REGISTER COMPANY AND MAY BEFORE YOU GET THE LOCKSMITH DISPATCH TO YOUR LOCATION, MAKE SURE THE COMPANY TELLS YOU EXACTLY HOW MUCH THE SERVICE YOU’RE REQUESTING IS GOING TO COST YOU, (THE TOTAL COST) REQUEST TO HAVE THEM TELL YOU EXACTLY HOW MUCH IS GOING TO COST YOU, IF THEY REFUSE TO TELL YOU HOW MUCH TOTAL IS GOING TO BE………..MOVE ON AND FIND ANOTHER COMPANY.  DON’T FALL ON THE TRAP……IT IS A SCAM AND YOU WILL END UP PAYING TOO MUCH MONEY FOR THE SERVICE.  ALWAYS CHECK THE PRICE WITH 2 OR 3 DIFFERENT COMPANIES THAT WAY YO WILL HAVE AN IDEA IF THE PRICE YOU’RE GETTING IS A FAIR PRICE.

 

 

TIPS FOR PICKING A LOCKSMITH

 

WHAT IS THE BEST WAY TO PICK A REPUTABLE LOCAL LOCKSMITH?

 

CONSIDER RESEARCHING LOCKSMITH BEFORE YOU NEED ONE, THE SAME WAY YOU WOULD A PLUMBER, ELECTRICIAN OR OTHER PROFESSIONAL.  THAT WORKS WELL IF YOU ARE LOOKING TO HAVE SOME SECURITY WORK DONE AT YOUR HOME, LIKE INSTALLING DEADBOLTS ON THE EXTERIOR DOORS OF YOUR HOUSE OR A SAFE IN YOUR BEDROOM. 

 

HOWEVER, IF YOU ARE DEALING WITH AN EMERGENCY, LIKE BEING LOCKED OUT OF YOUR CAR, YOU REALLY DON’T HAVE MUCH TIEM FOR THOROUGH RESEARCH.

 

MAKE SURE YOU ASK FOR THE COMPANY NAME AND COMPLETE ADDRESS, HERE IS A LINK FOR GOOGLE MAPS.  CLICK ON IT AND ONCE YOU’RE THERE TIPE ON THE SEACH GOOGLE MAPS THE NAME OF THE COMPANY AND THE ADDRESS AND SO A SEARCH.  THE COMPANY NAME SHOULD COMU UP ON THE MAP.

 

(https://www.google.com/maps/@26.1502443,-81.6966304,15z)

 

REGARDLESS OF WHETHER YOU ARE LOCKED OUT OF YOUR CAR OR HOME, YOU NEED NEW LOCKS INSTALLED, OR YOU REQUIRE OTHER SECURITY WORK, THE FTC OFFERS THESE TIPS TO HELP YOU HIRE A LEGITIMATE, LOCAL LOCKSMITH.

 

IN EMERGENCIES

 

IF YOU ARE LOCKED OUT OF YOUR CAR AND HAVE A ROADSIDE ASSISTANCE SERVICE, CALL THEM FIRST.  THESE SERVICES SOMETIMES ARE INCLUDED WITH THE PURCHASE OF A CAR, OR AS AN ADD-ON THROUGH YOUR INSURANCE COMPANY.  YOU CAN BUY THIS SERVICE SEPARATELY.  ROADSIDE ASSISTANCE PLANS OFTEN HAVE A LIST OF PRE-APPROVED COMPANIES TO PERFORM SERVICES LIKE UNLOCKING CARS, JUM-START, CHANGING FLAT TIRES, DELIVERING GASOLINE IF YOU RUN OUT AND TOWING.

 

CALL FAMILY OR FRIENDS FOR RECOMMENDATIONS.  IF YOU FIND A LOCKSMITH ON THE PHONE BOOK OR INTERNET OR THROUGH DIRECTORY ASSISTANCE AND A BUSINESS ADDRESS IS GIVEN, VONFIRM THAT THE ADDRESS BELONGS TO THAT LOCKSMITH.  SOME DISREPUTABLE COMPANIES LIST STREET ADDRESSES TO GIVE THE IMPRESSION THAT THEY ARE LOCAL, HOWEVER THE ADDRESSES MAY BELONG TO OTHER BUSINESSES OR VACANT LOTS, IF THEY EXIST AT ALL.  YOU CAN VERIFY ADDRESSES THOROUGHH WEBSITES THAT ALLOW YOU TO MATCH PHONE NUMBERS WITH STREET ADDRESSES, SOME LEGITIMATE LOCKSMITH COMPANIES MAY NOT INCLUDE A STREET ADDRESS IN THEIR LISTING BECAUSE EITHER THEY OPERATE A “MOBILE”BUSINESS OR THEY OPERATE THEIR BUSINESS OUT OF THEIR HOME AND MAY BE RELUCTANT TO LIST THAT ADDRESS.  IF YOU CALL A LOCKSMITH WHO DOES NOT LIST AN ADDRESS, ASK WHY.  IF THE ANSWER IS THAT IT IS A MOBILE BUSINESS, YOU WILL UNDERSTAND THEY HAVE NO STOREFRONT.  WRITE DOWN THE NAME OF SEVERAL BUSINESSES, THEIR PHONE NUMBER AND ADDRESSES FOR FUTURE REFERENCE, IN CASE YOU DO NOT WANT TO GO WITH THE FIRST LOCKSMITH YOU CALL.

 

IF A COMPANY ANSWERS THE PHONE WITH A GENERIC PHRASE LIKE “LOCKSMITH OR LOCKSMITH SERVICE”RATHER THAN A COMPANY –SPECIFIC NAME, BE WARY, ASK FOR THE LEGAL NAME OF THE BUSINESS, IF THE PERSON REFUSES TO GIVE IT TO YOU, MOVE ON AND CALL ANOTHER LOCKSMITH.

 

GET AN ESTIMATE FOR ALL WORK AND REPLACEMENT PARTS FROM THE LOCKSMITH BEFORE WORK BEGINS, IN CASES OF “LOCK-OUTS” (BEEN LOCKED OUT OF YOUR CAR OR HOME) MOST LEGITIMATE LOCKSMITH WILL GIVE YOU AN ESTIMATE ON THE PHONE FOR THE TOTAL COST TO YOU FOR THE WORK REQUESTED.

 

ASK ABOUT ADDITIONAL FEES BEFORE YOU AGREE TO HAVE THE LOCKSMITH PERFORM THE WORK, COMPANIES MAY CHARGE ESTRA FOR RESPONDING TO A CALL IN THE MIDDLE OF THE NIGHT.  ASK IF THERE’S A CHARGE FOR MILAGE OR A MINIMUM FEE FOR A SERVICE FEE OR SERVICE CALL FEE.

 

IF THE PRICE THE LOCKSMITH PROVIDES WHEN HE ARRIVES DOES NOT MATCH WITH THE ESTIMATE YOU GOT ON THE PHONE, DO NOT ALLOW THE WORK TO BE DONE AND NEVER SIGN A BLANK FORM AUTHORIZING WORK.

 

FIND OUT IF THE LOCKSMITH IS INSURED, IF YOUR PROPERTY IS DAMAGED DURING A REPAIR, OR IF FAULTY WORK LEADS TO LOSS OR DAMAGE, IT IS IMPORTANT FOR THE LOCKSMITH TO HAVE INSURANCE TO COVER YOUR LOSSES.

 

WHEN THE LOCKSMITH ARRIVE, ASK FOR IDENTIFICATION, INCLUDING A BUSINESS CARD AND WHERE APPLICABLE A LOCKSMITH LICENSE.  15 STATES REQUIRE LOCKSMITH TO BE LICENSED:  ALABAMA, CALIFORNIA, CONNECTICUT, FLORIDA (MIAMI), ILLINOIS, LOUISIANA, NEBRASKA, NEVADA, NEW JERSEY, NORTH CAROLINA, OKLAHOMA, OREGON, TENNESSEE, TEXAS AND WASHINTON D.C  IN ADDITION TO A BUSINESS CARD, CHECK TO SEE IF THE INVOICE INCLUDES THE COMPANY NAME AND WHETHER THE LOCKSMITH VEHICLE HAS A NAME THAT MATCHES THE BUSINESS CARD, INVOICE AND OR BILL.

 

EXPECT THE LOCKSMITH TO ASK YOU FOR IDENTIFICATION AS WELL, A LEGITIMATE LOCKSMITH SHOULD CONFIRM YOUR IDENTITY AND MAKE SURE YOU ARE THE PROPERTY OWNER OR YOU ARE AUTHORIZE TO DO THE WORK BEFORE HE DOES ANY WORK.  SOME LOCKSMITH WILL WORK OUT OF A CAR FOR QUICK OR EMERGENCY JOBS, BUT MOST WILL ARRIVE IN A SERVIE VEHICLE THAT IS CLEARLY MARKED WITH THEIR COMPANY NAME.

 

IN THE CASE OF A LOCKED-OUT OF YOUR HOME OR BUSINESS, BE CAUTIOUS IF YOU ARE TOLD UP FRONT THAT THE LOCK HAS TO BE DRILLED AND REPLACE.  AN EXPERIENCED LEGITIMATE LOCKSMITH HAS INVESTED IN THE TOOLS AND EDUCATION TO PROVIDE QUALITY SERVICE, AND CAN UNLOCK ALMOST ANY DOOR WITHOUT DAMAGING ANYTHING.

 

AFTER THE WORK IS COMPLETED, GET AN ITEMIZED INVOICE THAT COVERS PARTS, LABOR, MILEAGE, AND THE PRICE OF THE SERVICE CALL.  IN SITUATIONS WHERE YOU HAVE MORE TIME, CHECK OUT LOCKSMITH WITH YOUR STATE ATTORNEY GENERAL, LOCAL CONSUMER PROTECTION AGENCY AND THE BETTER BUSINESS BUREAU TO MAKE SURE THERE ARE NO UNRESOLVED COMPLAINTS ON FILE.  THIS IS TRUE WHETHER YOU NEED A LOCKSMITH FOR A ONE-TIME JOB, OR YOU WANT TO HIRE SOMEONE TO WORK FOR YOU ON A CONTINUING BASIS.  YO MUSTO BE ABLE TO TRUST YOUR LOCKSMITH.  YOU DO NOT WANT TO GIVE ACCES TO THE LOCKS FOR YOUR HOME, CAR OR PLACE OF BUSINESS TO JUST ANYONE.

 

IN CASE THERE’S A NEXT TIME

 

ONCE YOU HAVE FOUND A REPUTABLE LOCKSMITH, KEEP THE COMPANY’S NAME AND CONTACT INFORMATION IN YOUR WALLET AND ADDRESS BOOK AT HOME OR AT WORK.  YOU ALSO MAY WANT TO PROGRAM THIS INFORMATION INTO YOUR HOME ANC CELL PHONE.  THIS CAN SAVE YOU TIME AND TROUBLE THE NEXT TIME YOU OR ONE OF YOUR LOVE ONES OR FRIENDS NEED THESE SERVICES.

 

Resolving Problems

 

IF YOU HAVE PROBLEM WITH A LOCKSMITH, TRY TO RESOLVE THE DISPUTE WITH THE COMPANY FIRST, MAKE SURE YOU ACT QUICKLY, SOME COMPANIES MAY NOT ACCEPT RESPONSIBILITY IF YOU FAIL TO COMPLAIN WITHIN A CERTAIN TIME.  IF YOU CANNOT GET SATISFACTION, CONSIDER CONTACTING YOUR LOCAL CONSUMER PROTECTION AGENCY FOR INFORMATION AND ASSISTANCE, YOU CAN ALSO FILE A COMPLAINT WITH THE FEDERAL TRADE COMMISSION AND YOUR STATE ATTORNEY GENERAL.

 

I HOPE THIS TIPS WILL HELP SOMEONE AND IF YOU NEED US, PLEASE GIVE US A CALL.  WE HAVE TWO COMPANIES TO SERVE YOU, ONE IN NAPLES AND ONE IN FT. MYERS.

 

COLLIER COUNTY LOCKSMITH IN NAPLES

239-687-6564

 

AFFORDABLE LOCKSMITH & SECURITY SYSTEMS IN FT. MYERS, CAPE CORAL, LEHIGH

239-354-0443

 

 

TIPS TO AVOID LOCKSMITH SCAMS

AND HOW TO FIND A LOCAL LOCKSMITH

 

Your first thought whenever you locked yourself out of your car or home, is to get a family member or friend to help you out of your situation, if we had a spare set of keys.  Your next call will probably be to call a locksmith.  Before you make that call please consider this: According to the Federal Trade Commission (FTC), the nation’s consumer protection agency, a lot of locksmith advertising in your local telephone book or Internet, may not be local at all.  They may not even have professional training and what is even more worse; some of them may use intimidating tactics to overcharge you.

 

When “Local” Is Really Long-Distance

 

Consider this scenario: A company far away from your town chooses a name for its business that is very similar to the name used by a local locksmith. The company advertises in the phone book or on the Web using a local telephone number and local address. When you call the number, you are actually connected to a call center in another city. What’s more, there is no locksmith shop at the address listed.

 

A lot of those companies pay top dollars to come up on search engines, Some who claim to be “local locksmith” companies have multiple listings (sometimes 30 or more separate listings in a single phone book) with different names. However, the calls to each of these numbers go back to the same central number in a distant city where operators dispatch untrained individuals to do the job.

 

Most of those companies do not tell you the total price for the job requested, because they subcontract local so called locksmith to whom they pay a low percentage usually 30% or 40%, some of them do not have a register company with the state of Tallahassee, Here is a link to take you to the Division of Corporations an official State of Florida Website so you can check to see if the company is register with the Division of Corporations. (http://search.sunbiz.org/Inquiry/CorporationSearch/ByName) Once you're there put the entity (Company Name) on the proper box and do a search now.  If the company is register with the Division of Corporation, the name should come up on your screen, look to the right and make sure it says ACTIVE.  Most of all those companies, but not all do not have an occupational license to operate in the city they are listed.  They do not have a General Liability in case something happen and you need to make a claim.  Most of those guys do not drive company marked vehicle, most of them show up to your residence or place of work in private cars or van and what is worse, they do not have the proper training or knowledge to perform the job in a professional manner.  You may be quoted a low price on the phone, keep in mind that price only covers the service call, once the locksmith gets there, he is the one who's going to determine what will be the final charge.  He may want significantly more money In order for him to make money.  The locksmith also may accept only cash, in some cases some of them may have a register company and may accept credit card or check.  If you refuse to pay the amount the locksmith is asking, you still have to pay the service fee charge.  Now you wasted time and money and still have not resolve your problem.  Now you have to call another locksmith and wait additional time.  Before you get the locksmith dispatch to your location, make sure the company tells you exactly how much the service is going to cost you.  You want them to tell you the total charge to get the vehicle unlock, if they refuse to give you a total price, call another locksmith, don't fall on the trap, it is a scam and you will end up paying too much money for the service.  Always check the price with 2 or 3 different companies, that way you will have an idea if the price is a fair price or not.

 

 

 

Tips for Picking a Locksmith

What is the best way to pick a reputable locksmith?

 

Consider researching locksmiths before you need one, the same way you would a plumber, electrician, or other professional. That works well if you are looking to have some security work done at your home, like installing deadbolts on the exterior doors of your house, or a safe in your bedroom.

 

However, if you are dealing with an emergency, like being locked out of your car, you really do not have much time for thorough research.

 

Make sure you ask for the company name and complete address, Here is a link for google maps, click on it. (https://www.google.com/maps/@26.1502443,-81.6966304,15z) Once you're there on the search google maps type the name of the company and the address and do search, It should bring it up on the map

 

Regardless of whether you are locked out of your car or home, you need new locks installed, or you require other security work, the FTC offers these tips to help you hire a legitimate, local locksmith.

 

In emergencies:

 

If you are locked out of your car and have a roadside assistance service, call them first.  These services sometimes are included with the purchase of a car, or as an add-on through your insurance company. You can buy this service separately.  Roadside assistance plans often have a list of pre-approved companies to perform services like unlicking cars, jump-starting batteries, changing flat tires, delivering gasoline and towing.

 

Call family or friends for recommendations.  If you find a locksmith in the phone book, on the Internet, or through directory assistance, and a business address is given, confirm that the address belongs to that locksmith. Some disreputable companies list street addresses to give the impression that they are local. However, the addresses may belong to other businesses or vacant lots, if they exist at all. You can verify addresses through websites that allow you to match phone numbers with street addresses. Some legitimate locksmith companies may not include a street address in their listing because either they operate a “mobile” business or they operate their business out of their home and may be reluctant to list that address. If you call a locksmith who does not list an address, ask why. If the answer is that it is a “mobile” business, you will understand they have no storefront.  Write down the names of several businesses, their phone numbers, and addresses for future reference, in case you do not want to go with the first locksmith you call.

 

If a company answers the phone with a generic phrase like “locksmith services,” rather than a company-specific name, be wary. Ask for the legal name of the business. If the person refuses, call another locksmith.

 

Get an estimate for all work and replacement parts from the locksmith before work begins. In cases of “lock-outs” (being locked out of your car or home), most legitimate locksmiths will give you an estimate on the phone for the total cost of the work.

 

Ask about additional fees before you agree to have the locksmith perform the work. Companies may charge extra for responding to a call in the middle of the night. Ask if there is a charge for mileage, or a minimum fee for a service call.

 

If the price the locksmith provides when he arrives does not jibe with the estimate you got on the telephone, do not allow the work to be done.

 

Never sign a blank form authorizing work.

Find out if the locksmith is insured. If your property is damaged during a repair, or if faulty work leads to loss or damage, it is important for the locksmith to have insurance to cover your losses.

 

When the locksmith arrives, ask for identification, including a business card and, where applicable, a locksmith license.  Fourteen states require locksmiths to be licensed:  Alabama, California, Connecticut, Illinois, Louisiana, Nebraska, Nevada, New Jersey, North Carolina, Oklahoma, Oregon, Tennessee, Texas and Washington D.C.   In addition to a business card, check to see if the invoice includes the company’s name, and whether the locksmith’s vehicle has a name that matches the business card, invoice, and/or bill.

 

Expect the locksmith to ask you for identification, as well. A legitimate locksmith should confirm your identity and make sure you are the property owner before doing any work.

 

Some locksmiths will work out of a car for quick or emergency jobs, but most will arrive in a service vehicle that is clearly marked with their company’s name.

In the case of a lockout, be cautious if you are told up front that the lock has to be drilled and replaced. An experienced legitimate locksmith has invested in the tools and education to provide quality service, and can unlock almost any door.

 

After the work is completed, get an itemized invoice that covers parts, labor, mileage, and the price of the service call.  In situations where you have more time, check out locksmiths with your state Attorney General, local consumer protection agency, and the Better Business Bureau to make sure there are no unresolved complaints on file. This is true whether you need a locksmith for a one-time job, or you want to hire someone to work for you on a continuing basis. You must be able to trust your locksmith. You do not want to give access to the locks for your home, car, or place of business to just anyone.

 

In Case there’s a Next Time

 

Once you have found a reputable locksmith, keep the company’s name and contact information in your wallet and address book at home or at work. You also may want to program this information into your home and cell phones. This can save you time and trouble the next time you need these services.

 

Resolving Problems

If you have a problem with a locksmith, try to resolve the dispute with the company first. Make sure you act quickly. Some companies may not accept responsibility if you fail to complain within a certain time. If you cannot get satisfaction, consider contacting your local consumer protection agency for information and assistance.

 

You also can file a complaint with the Federal Trade Commission and your state Attorney General.