Office of the Vermont Attorney General

Consumer Information

The Attorney General’s Consumer Assistance Program (CAP) at UVM helps Vermont consumers resolve disputes with businesses, protect themselves from fraud and access available services.  We:

    • run a consumer hotline for information and assistance
    • provide a letter mediation for consumer disputes with businesses
    • track fraud and scam complaints
    • find answers from Vermont State government and connect you with other resources

Call us: 800-649-2424

Email us: AGO.CAP@vermont.gov

More Information:

Consumer information
Guidance and information for businesses
CAP Connection
Sign Up for Scam Alerts!

 

Wells Fargo Bank N.A. Settlement

Wells Fargo Settlement Now Available

As a result of a settlement with the State of Vermont, Wells Fargo Bank will provide restitution to certain customers. The settlement stems from claims that Wells Fargo opened unauthorized accounts without customers’ knowledge or consent, improperly charged auto loan customers for unnecessary insurance, failed to provide refunds for certain auto financing products, and incorrectly charged mortgage customers fees for extending rate locks.

Wells Fargo created a website for consumers to use to access the program and will provide periodic reports to the states about ongoing restitution efforts.

 

 

How will I know if I am eligible for restitution?
Through this settlement, Wells Fargo has created a consumer redress review program through which consumers who have not been made whole through other restitution programs already in place can seek review of their inquiry or complaint by a bank escalation team for possible relief.

Wells Fargo created a website for consumers to use to access the program and will provide periodic reports to the states about ongoing restitution efforts.

Consumers with questions or concerns may call the following Wells Fargo phone numbers:

  • Unauthorized Accounts / Improper Retail Sales Practices: 1-844-931-2273
  • Improper Renters and Life Insurance Referrals: 1-855-853-9638
  • Force-Placed Collateral Protection Auto Insurance (“CPI“): 1-888-228-9735
  • Guaranteed Asset/Auto Protection (“GAP”) Refunds: 1-844-860-6962
  • Mortgage Interest Rate Lock Extension Fees: 1-866-385-5008

 

Career Education Corporation Settlement

For-profit education company Career Education Corp. (CEC) has settled with the State of Vermont over unfair and deceptive practices relating to misrepresentations about quality of education, employment prospects, and costs of student loans. CEC has agreed to reform its recruiting and enrollment practices and forgo collecting about $493.7 million in debts owed by 179,529 students nationally, in a settlement with the Vermont Attorney General’s Office and 48 other attorneys general. The State will receive $50,000. There are 129 Vermont students impacted, and they will receive approximately $270,000 in debt relief.

Who can I contact with questions about the settlement and debt forgiveness?
Former students with questions about the settlement and potential debt forgiveness can contact:

What schools did CEC operate?
CEC is based in Schaumburg, Illinois, and currently offers primarily online courses through American InterContinental University and Colorado Technical University. CEC has closed or phased out many of its schools over the past 10 years. Its brands have included Briarcliffe College, Brooks Institute, Brown College, Harrington College of Design, International Academy of Design & Technology, Le Cordon Bleu, Missouri College, and Sanford-Brown.

Fiat Chrysler and Bosch Settlement

As a result of a settlement with the State of Vermont, Fiat Chrysler and Bosch will provide restitution to certain customers. The settlement stems from claims that Fiat Chrysler and Bosch allegedly undermined auto emission regulations and harmed consumers by adding unlawful “defeat devices” to diesel vehicles. Starting January 24, 2019, consumers will be able to receive updates on the settlement by signing up on the settlement website with their Vehicle Identification Number (VIN) , name and contact information.  The website is www.EcoDieselSettlement.com or by phone at 1-833-280-4748.

Which vehicles are covered by this settlement?
 The specific vehicles covered by the settlement are the following vehicles equipped with an EcoDiesel engine purchased or leased in the U.S.:

  • 2014       Ram 1500
  • 2014       Jeep Grand Cherokee
  • 2015       Ram 1500
  • 2015       Jeep Grand Cherokee
  • 2016       Ram 1500
  • 2016      Jeep Grand Cherokee
What are the benefits this settlement?

Category

Benefits

Class Member Payment

**Eligible Owners and Eligible Lessees who participate in the Claims Program MUST complete an Approved Emissions Modification to Receive the Class Member Payment**

Eligible Owner

(acquired vehicle on or before January 12, 2017)

Owner Payment

+

Approved Emission Modification

+

Extended Warranty

$3,075

Eligible Owner

(acquired vehicle after January 12, 2017)

(does not apply to owners of vehicles that were leased as of January 10, 2019, who are treated as Eligible Lessees, and not Eligible Owners)

Owner Payment

+

Approved Emission Modification

+

Extended Warranty

$2,460

(if an Eligible Former Owner or Eligible Former Lessee of the vehicle also makes a valid claim for benefits)

OR

$3,075

(if no other Class Member makes a valid claim for benefits related to the same vehicle)

Eligible Former Owner

Former Owner Payment

$990

Eligible Lessee

Lessee Payment

+

Approved Emission Modification

+

Extended Warranty

$990

Eligible Former Lessee

 

Former Lessee Payment

$990

What are the important dates and deadlines?

DEADLINES/DATES

  • January 24, 2019: Consumers will be able to receive updates on the settlement by signing up on the settlement website with their Vehicle Identification Number (VIN) , name and contact information.  The website is EcoDieselSettlement.com or by phone at 1-833-280-4748
  • April 29 to May 3, 2019: expected week of the Court’s final approval of the settlement.
  • 21 months from the Court’s final approval: eligible consumers who still own or lease covered vehicles must submit a claim form within 21 months.
  • 90 days from the Court’s final approval: Eligible consumers wo previously owned a covered vehicle but sold it after January 12, 2017 or who previously leased a covered vehicle but whose lease terminated after January 12, 2017, must submit a claim form within 90 days.
  • 60 or 90 days: Eligible consumer who owned or leased their vehicles as of January 12, 2017 and transferred title/surrendered the lease to an insurance company or equivalent after January 10, 2019 as a result of a total loss, but before receiving the fix, must submit a claim form by the later of 90 days of the Courts final approval of the settlement or 60 days of the title transfer/lease surrender

Identity Theft and Information on the Equifax Data Security Breach

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To check if you were personally affected by the breach, you may visit Equifax’s website: www.equifaxsecurity2017.com.

Also check the Consumer Assistances Program’s website for more details

 

 

 

What can I do, right now, to protect my information?

To check if you were personally affected by the breach, you may visit Equifax’s website: www.equifaxsecurity2017.com.

The best way to know that no one is using your personal information is to monitor your credit. We are recommending that Vermonters review their credit reports now, and regularly, to make sure that no unauthorized accounts are being reported. You can get a free credit report from each of the three credit reporting agencies annually, online, at www.annualcreditreport.com, or you can mail in a form.

Concerned about protecting your minor children from identity theft?

The Federal Trade Commission has excellent resources on child credit protection.

What is identity theft?

A breach does not necessarily mean you are a victim of identity theft. A breach means you are now susceptible to identity theft.

Identity theft is the unauthorized use of another person’s personal information to obtain credit, goods, services, money or property (for more information on Vermont laws regarding privacy and data security, click here).

Identity theft may involve fraudulent use of credit card or bank account information.  In some cases, your social security number and other personal information may be used to fraudulently obtain driver’s licenses, lines of credit, loans or other consumer accounts.

I think I am a victim of identity theft. What steps should I take?

      • Review your credit reports carefully for any unauthorized accounts. You can obtain your free credit report from each of the Credit Reporting Bureaus through com.  If you find anything that should not be there, be sure to save a copy of the report.  Then, contact the credit reporting agency to dispute all inaccurate items.
      • Place a fraud alert or consider a freeze on your credit reports. Freezing your credit report could help prevent unauthorized creation of new accounts using your information. Freezing your credit report does not mean freezing your bank account, or that you won’t be able to use your credit card. You can find out more information from the Federal Trade Commission about fraud alerts and freezing your credit files.
      • To place a fraud alert or freeze on your credit files, contact the credit reporting agencies listed here:

EQUIFAX or 866-349-5191, press option 3 for the automated system or option 5 for a representative
EXPERIAN or 1-888-397-3742
TRANSUNION or 1-800-680-7289
INNOVIS or 1-800-540-2505


Lead-safe Housing for all: Landlord Restoration Program

The Landlord Restoration Program (Program) is for landlords/owners of pre-1978 rental property. Our goal is to help ensure lead-safe housing for all. And, to help landlords comply with the Vermont’s Lead Housing Law, Title 18, Chapter 38. We can provide information and resources so landlords can perform Essential Maintenance Practices (EMPs) and file EMP compliance statements…

Data Broker Working Group

The Report to the General Assembly of the Data Broker Working Group Report, issued pursuant to Act 66 of 2017 on December 15, 2017, can be found here.