HaroldSays

Securities And Exchange Commission - Complaints Concerning Potential Securities Laws Violations

If you believe that you have been the victim of a Securities Law Violation visit the SEC website and file a complaint. The web page for filing a complaint is SEC Website Complaint Page.

If you have a compliment to share about a company or government agency email your compliment to me at compliments@haroldsays.com. If you have a consumer related complaint or issue with a company or government agency that you can not get resolved, or you have a question that you need answered concerning a consumer problem or issue, please contact me by email at complaints@haroldsays.com or call me at (570) 341-6796. I will be delighted to speak with you personally.

Hours of Operation: Monday-Friday 9 AM to 5 PM EST.

If you would like my personal help in resolving your consumer complaint; (my consumer advocacy service) please contact me.

My personal consumer advocacy services:

• I will make the phone calls for you as well as send the faxes or emails to the appropriate individual or individuals at the companies or government agencies on your behalf and do the follow through for you regarding your consumer complaint or issue to help you get your complaint resolved.

Visit my new consumer website: HaroldSays.com

Consumer Sentinel Network - Law Enforcement's Source For Consumer Complaints

Consumer Sentinel is the unique investigative cyber tool that provides members of the Consumer Sentinel Network with access to millions of consumer complaints. Consumer Sentinel includes complaints about:

    * Identity Theft
    * Do-Not-Call Registry violations
    * Computers, the Internet, and Online Auctions
    * Telemarketing Scams
    * Advance-fee Loans and Credit Scams
    * Sweepstakes, Lotteries, and Prizes
    * Business Opportunities and Work-at-Home Schemes
    * Health and Weight Loss Products
    * Debt Collection, Credit Reports, and Financial Matters

Website: http://www.ftc.gov/sentinel/

If you have a compliment to share about a company or government agency email your compliment to me at compliments@haroldsays.com. If you have a consumer related complaint or issue with a company or government agency that you can not get resolved, or you have a question that you need answered concerning a consumer problem or issue, please contact me by email at complaints@haroldsays.com or call me at (570) 341-6796. I will be delighted to speak with you personally.

Hours of Operation: Monday-Friday 9 AM to 5 PM EST.

If you would like my personal help in resolving your consumer complaint; (my consumer advocacy service) please contact me.

My personal consumer advocacy services:

• I will make the phone calls for you as well as send the faxes or emails to the appropriate individual or individuals at the companies or government agencies on your behalf and do the follow through for you regarding your consumer complaint or issue to help you get your complaint resolved.

Visit my new consumer website: HaroldSays.com

FTC - Federal Trade Commission Responds To My Complaint Filed On Behalf Of A Consumer

I sent an email to the Bureau Director of the FTC (Federal Trade Commission) and I received a response that the complaint has been "recorded in their complaint retention system." This enables the agency to determine when a company is receiving numerous complaints and may be in violation of the law so that they can respond...and respond they will if they receive enough complaints from consumers regarding a company. This particular company is located in Florida and is a distributor of a Resveratrol Supplement.

For reference, as the company is headquartered in Florida I was also referred to the Florida Division of Consumer Services. The contact information to file a complaint with the FTC or the Florida Division of Consumer Services is as follows:

Federal Trade Commission: www.ftc.gov. If you have tried to get your consumer issues resolved and have been unable to you can also contact me regarding your complaint and I also will file a complaint with the appropriate government agency on your behalf.

The Florida Division of Consumer Services
Terry Lee Rhodes Building
2005 Apalachee Parkway
Tallahassee, FL 32399-6500
Phone: (850) 488-2221

I was impressed and pleased to receive a response from the FTC regarding the complaint that I had filed with their agency.

If you have a compliment to share about a company or government agency email your compliment to me at compliments@haroldsays.com. If you have a consumer related complaint or issue with a company or government agency that you can not get resolved, or you have a question that you need answered concerning a consumer problem or issue, please contact me by email at complaints@haroldsays.com or call me at (570) 341-6796. I will be delighted to speak with you personally.

Hours of Operation: Monday-Friday 9 AM to 5 PM EST.

If you would like my personal help in resolving your consumer complaint; (my consumer advocacy service) please contact me.

My personal consumer advocacy services:

• I will make the phone calls for you as well as send the faxes or emails to the appropriate individual or individuals at the companies or government agencies on your behalf and do the follow through for you regarding your consumer complaint or issue to help you get your complaint resolved.

Visit my new consumer website: HaroldSays.com

If you have a compliment to share about a company or government agency email your compliment to me at compliments@haroldsays.com. If you have a consumer related complaint or issue with a company or government agency that you can not get resolved, or you have a question that you need answered concerning a consumer problem or issue, please contact me by email at complaints@haroldsays.com or call me at (570) 341-6796. I will be delighted to speak with you personally.

Hours of Operation: Monday-Friday 9 AM to 5 PM EST.

If you would like my personal help in resolving your consumer complaint; (my consumer advocacy service) please contact me.

My personal consumer advocacy services:

• I will make the phone calls for you as well as send the faxes or emails to the appropriate individual or individuals at the companies or government agencies on your behalf and do the follow through for you regarding your consumer complaint or issue to help you get your complaint resolved.

Visit my new consumer website: HaroldSays.com

Consumer Credit Issues Broadcast - Consumer Advocacy With Harold Cameron Radio Show

Consumer Advocacy with Harold Cameron 10/6/2009

Consumer Credit Issues

Right Click and Save Podcast

Digital River and MyOrd.Com - A Consumer From Ohio Has An Issue With This Company

A consumer from Ohio contacted me about a company by the name of Digital River and MyOrd.Com. That is the names that showed up on her debit card statement. She indicated to me that she did not authorize any charges from her account by this company. She contacted the company today - which is a Saturday - and spoke with someone in the Philippines. The person she spoke with stated that they could not find her order or any information about an account for her...but yet the company had charged her account. It is on her debit card statement.

I am not going to write anything negative about the company as I do not know exactly what happened. What I want to do; however, is share with you the information I provided her.

I told her what she needs to do with this company is call them during the normal work week here in the US at (952) 253-1234. If the customer service department will not help her resolve her issue then I directed her to contact her state Attorney General Office, The Attorney General Office in Minnesota where Digital River is located as well as the FTC and file a complaint.

The information for the Ohio AG Office is as follows:

Consumer Protection Section
Attorney General's Office
Phone: (614) 466-4320
Toll-Free from Ohio (877) 244-6446
Fax: (614) 728-7583
Email: consumer@ag.state.oh.us
Website: www.ag.state.oh.us

Minnesota AG Office:

Consumer Services Division
Attorney General's Office
Phone: (651) 296-3353
Fax: (651) 282-2155
Email: attorney.general@state.mn.us
Website: www.ag.state.mn.us

FTC Information: www.ftc.gov

If you have a compliment to share about a company or government agency email your compliment to me at compliments@haroldsays.com. If you have a consumer related complaint or issue with a company or government agency that you can not get resolved, or you have a question that you need answered concerning a consumer problem or issue, please contact me by email at complaints@haroldsays.com or call me at (570) 341-6796. I will be delighted to speak with you personally.

Hours of Operation: Monday-Friday 9 AM to 5 PM EST.

If you would like my personal help in resolving your consumer complaint; (my consumer advocacy service) please contact me.

My personal consumer advocacy services:

• I will make the phone calls for you as well as send the faxes or emails to the appropriate individual or individuals at the companies or government agencies on your behalf and do the follow through for you regarding your consumer complaint or issue to help you get your complaint resolved.

Visit my new consumer website: HaroldSays.com

Bank Concerns and Issues - A Washington State Consumer Has An Issue With A Large Bank

A consumer from Washington state has an issue (a major issue) with a large national bank and wanted to know what to do. I informed him that in Washington State he would contact:

The Washington Department of Financial Institutions
Phone (360) 902-8700
Toll-Free (877) 746-4334
Website: www.dfl.wa.gov

The Department of Treasury - Comptroller of the Currency
Large Bank Supervision
Phone: (800) 613-6743

If you have a compliment to share about a company or government agency email your compliment to me at compliments@haroldsays.com. If you have a consumer related complaint or issue with a company or government agency that you can not get resolved, or you have a question that you need answered concerning a consumer problem or issue, please contact me by email at complaints@haroldsays.com or call me at (570) 341-6796. I will be delighted to speak with you personally.

Hours of Operation: Monday-Friday 9 AM to 5 PM EST.

If you would like my personal help in resolving your consumer complaint; (my consumer advocacy service) please contact me.

My personal consumer advocacy services:

• I will make the phone calls for you as well as send the faxes or emails to the appropriate individual or individuals at the companies or government agencies on your behalf and do the follow through for you regarding your consumer complaint or issue to help you get your complaint resolved.

Visit my new consumer website: HaroldSays.com

Consumer Action Handbook (2009 Edition) - FREE!

An educated consumer is an empowered consumer is what I like to say.

If you want to be educated as a consumer as to what you can do to protect yourself from fraudulent, deceptive or unfair business practices as well as a whole lot more, order your FREE copy of the 2009 Consumer Action Handbook. You can order it online at
www.ConsumerAction.Gov. The information provided in the handbook is invaluable, and remember, the Consumer Action Handbook if FREE!

If you have a compliment to share about a company or government agency email your compliment to me at compliments@haroldsays.com. If you have a consumer related complaint or issue with a company or government agency that you can not get resolved, or you have a question that you need answered concerning a consumer problem or issue, please contact me by email at complaints@haroldsays.com or call me at (570) 341-6796. I will be delighted to speak with you personally.

Hours of Operation: Monday-Friday 9 AM to 5 PM EST.

If you would like my personal help in resolving your consumer complaint; (my consumer advocacy service) please contact me.

My personal consumer advocacy services:

• I will make the phone calls for you as well as send the faxes or emails to the appropriate individual or individuals at the companies or government agencies on your behalf and do the follow through for you regarding your consumer complaint or issue to help you get your complaint resolved.

Visit my new consumer website: HaroldSays.com

Telephone Company Issues or Concerns - Contact the Following Government Agencies For Help

If you have a justified concern or issue with your telephone company as a consumer that you can not get resolved at the corporate level visit the following websites for assistance in filing a formal complaint against the company with the appropriate state and federal government agencies...

State Directory (For the appropriate state agencies):
http://www.business.com/directory/telecommunications/reference/government/agencies/state/

The FCC: http://www.fcc.gov/eb/tcd

If you have a specific compliment to share about a company or government agency email your compliment to me at compliments@haroldsays.com. If you have a consumer related complaint or issue with a company or government agency that you can not get resolved, or you have a question that you need answered concerning a consumer problem or issue, please contact me by email at complaints@haroldsays.com or call me at (570) 341-6796. I will be delighted to speak with you personally.

Hours of Operation: Monday-Friday 9 AM to 5 PM EST.

If you would like my personal help in resolving your consumer complaint; (my consumer advocacy service) please contact me.

My personal consumer advocacy services:

• I will make the phone calls for you as well as send the faxes or emails to the appropriate individual or individuals at the companies or government agencies on your behalf and do the follow through for you regarding your consumer complaint or issue to help you get your complaint resolved.

Visit my new consumer website: HaroldSays.com

Stock Broker Complaints - My response to a consumer in need

I received a request for information from a consumer in Minnesota regarding a complaint they had against their stock broker. He wanted to know who to turn to for assistance with his complaint.

I spoke with someone today at the Minnesota Department of Commerce, Division of Securities and Registration, and they regulate stock brokers and brokerage agencies in the consumer's state. The individual I spoke with, D.K., was very professional, courteous and most helpful!

to D.K. for her help!

Based on my conversation with D.K. I provided the consumer with the following information...

(1). Write a letter of complaint to the broker's supervisor (such as a branch manager or VP) or to someone in the compliance department) - send it registered with receipt of delivery required. Give them 3-5 business days to respond. In the event they do not respond then contact:

The Minnesota Department of Commerce
Division of Securities and Registration
85 Seventh Place East
Suite 800
St. Paul, MN 55101
Phone (651) 296-4026
Toll-Free (800) 657-3602
Fax: (651) 296-4329
Email: securities.commerce@state.mn.us
Web: www.commerce.state.mn.us

And Federally contact FINRA (Financial Industry Regulatory Authority)
http://www.finra.org/index.htm

District 4 Division of Securities and Registration Office - Kansas City (For Minnesota)
12 Wyandotte Plaza
120 West 12th Street, Suite 800
Kansas City, MO  64105-1930
(816) 421-5700
Fax: (816) 421-5029
Thomas D. Clough, Director

Neither of these agencies can help the consumer recoup financial losses. They can only help consumer's with administrative action against the broker or firm if appropriate. In order to recoup any financial losses the consumer will need to seek legal representation for that help.

If you have a complaint against your stock broker and you live in another state you would contact the State Securities Administration in your particular state.

If you have a compliment to share about a company or government agency email your compliment to me at compliments@haroldsays.com. If you have a consumer related complaint or issue with a company or government agency that you can not get resolved, or you have a question that you need answered concerning a consumer problem or issue, please contact me by email at complaints@haroldsays.com or call me at (570) 341-6796. I will be delighted to speak with you personally.

Hours of Operation: Monday-Friday 9 AM to 5 PM EST.

If you would like my personal help in resolving your consumer complaint; (my consumer advocacy service) please contact me.

My personal consumer advocacy services:

• I will make the phone calls for you as well as send the faxes or emails to the appropriate individual or individuals at the companies or government agencies on your behalf and do the follow through for you regarding your consumer complaint or issue to help you get your complaint resolved.

Visit my new consumer website: HaroldSays.com

Trading Futures and Options: Protection Against Fraud

Trading Futures and Options: Protection Against Fraud

The CFTC's fraud awareness and prevention program involves

• educating futures market users
• protecting futures market participants and
• reviewing information and complaints that market participants send to us.  

The CFTC is the Federal agency that regulates the trading of commodity futures and options contracts in the United States and takes action against firms suspected of illegally or fraudulently selling commodity futures and options.

Before you trade in commodities or futures, know the kinds and signs of fraud and the basics of futures trading.

Protect yourself from the many types of commodities fraud that exist in today’s financial markets.

Be suspicious of a promise of high profits with low risk. Scams that falsely promise high profits with low risks are everywhere. Many are targeted at specific ethnic communities using the language of that community, from New York to South Florida, from the Southwest to California, and in other areas.

Be wary of any firm or individual offering to sell you commodity futures or options on commodities, including

• precious metals, such as silver or gold
• foreign currency, such as Euros, Yen, or Deutschmarks, or
• crude oil, heating oil, unleaded gas, or agricultural products such as corn, soybeans, or cattle.

Be wary of any firm or individual offering to trade your money for you in commodity futures or options, or to pool your money with other customers.

The commodity futures and option markets are very risky and you can lose your entire investment very quickly. Anyone who claims otherwise might be breaking the law. Always ask for proof.

For more information visit the Commodity Futures Trading Commission (CFTC) website:
http://www.cftc.gov/customerprotection/

If you need my consumer advocacy services, please contact me. I will be delighted to help you if I can.

Also, if you have a complaint post it at www.complaints.com - the number one consumer complaint website in the world.

If you are a consumer with a compliment, complaint, concern, issue, question, or a SCAM to report please email me at harold@bepositiveday.com or call me at (570) 341-6796 and I will be delighted to try and help you if I can.