Review Your Bills

 

We encourage consumers to review their bills each month, from credit cards to utilities and phone bills. So, we are re-running a blog post from last year, where we provided some best practices we’ve picked up along the way.  Here it is:

 

In this economy, every penny counts—and that makes it especially frustrating to discover a charge you didn’t authorize on your phone bill. The good news is you can reduce the risk of becoming a cramming victim. Here’s a guide to help you prevent those unauthorized telephone charges.

Cramming hurts consumers.

Cramming occurs when your telephone bill is charged with services that weren’t ordered by you or anyone else in your household. Unauthorized charges range in monetary amounts, but can be as little as a few dollars. If they go undetected, they add up over time, putting a ding in your wallet. The charges can be for a variety of services, such as web hosting, club fees, or phone calls.

Protect yourself from cramming.

The Federal Trade Commission (FTC) recommends these steps for reducing your risk of cramming:

  • Review each line of your phone bill every month.
  • Read the fine print before providing your phone number and other information to enter contests and other promotions. Fraudsters may use your entry form as an authorization to enroll you into a service so they can bill the charges to your phone account.
  • Be wary of signing up for a “free” club or service or of claiming a “free” prize; you may be inadvertently signing up for a fee service that’s charged to your telephone bill.
  • Contact your phone company to ask about the blocking options they offer. A block will prevent a certain type of service on your phone line. For example, a third-party service block stops any third-party payment processors from billing your account.

ILD protects consumers from cramming.

ILD Teleservices is a third party payment processor. Merchants use our Bill to Phone service to allow consumers to charge purchases directly to their phone bill. As a result, consumers do not need to share sensitive financial information, like credit card numbers or bank account numbers, reducing your risk of identity and credit card fraud.

We are committed to protecting consumers from unauthorized charges. For example, ILD only works with merchants after the vendor successfully passes a screening process that includes extensive background checks and a business plan review. After we take on a merchant, we continue to monitor their activities and customer satisfaction levels.  If ILD receives excessive complaints about a merchant, we take immediate action to rectify the problem or, if necessary, terminate our business relationship with the company.

Call us if you have questions.

ILD’s U.S. based customer service team is available Monday through Friday from 7 a.m. to 8:30 p.m. (CST) and Saturday from 9 a.m. to 5:30 p.m. One of our associates will answer your questions or help find a resolution.