Consumer News: Cerebral pays settlement to resolve subscription complaints

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Details: Written by Consumer Affairs News; Category: Consumer Daily Reports; Published: 08 May 2025; Created: 08 May 2025; Last Updated: 08 May 2025

More than 40,000 customers split $5 million settlement

By Truman Lewis

May 8, 2025

More than 40,000 people will receive a refund as a result of the Federal Trade Commissions settlement with Cerebral, Inc, an online mental health service provider that allegedly billed consumers despite their requests to cancel their subscriptions.

The refunds stem from a settlement of FTC allegations that Cerebral:

required its clients to navigate a complex, multi-step, and often multi-day process to cancel their subscriptions;
continued to charge consumers while slow-walking their cancellation requests, despite promising consumers they could cancel anytime;
disclosed consumers sensitive personal health information and other sensitive data to third parties for advertising purposes; and
violated the Restore Online Shoppers Confidence Act by failing to clearly disclose all material terms of their cancellation policies before charging consumers.

An independent refund administrator, Epiq Systems, is sending payments totaling more than $5 million to 40,249 affected consumers. Most of these consumers will receive a check in the mail, which they should cash within 90 days, as indicated on the check.

Eligible consumers who did not have an address on file will receive a PayPal payment, which should be redeemed within 30 days.

Payments will go to consumers who submitted a request to cancel their subscription on or before May 2022, but who Cerebral continued to charge.

Consumers who have questions about a payment or their eligibility for a payment should contact the independent refund administrator at 1-888-884-6036 or via email at This email address is being protected from spambots. You need JavaScript enabled to view it.

. The Commission never requires people to pay money or provide account information to get a refund.

The Commissionsinteractive dashboards for refund data provide a state-by-state breakdown of refunds in FTC cases. In 2024, FTC actions led to more than $339 million in refunds to consumers across the country.

The Federal Trade Commission works to promote competition and protect and educate consumers. The FTC will never demand money, make threats, tell you to transfer money, or promise you a prize. Learn more about consumer topics at consumer.ftc.gov, or report fraud, scams, and bad business practices atReportFraud.ftc.gov. Follow the FTC on social media, read consumer alerts and the business blog, and sign up to get the latest FTC news and alerts.

Posted: 2025-05-08 19:53:02

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Consumer News: YouTube TV vs. Hulu + Live TV: Which one is actually worth it?
Mon, 20 Apr 2026 22:07:06 +0000

The smarter way to choose your next streaming service

By Kyle James of ConsumerAffairs

April 20, 2026

YouTube TV is slightly cheaper and better for sports and channel selection, while Hulu + Live TV offers more overall value with bundled streaming and a deep on-demand library.
The real cost goes beyond the base price add-ons, upgrades, and missing channels can quickly push either service over $100/month if youre not careful.
Pick YouTube TV for live sports and simplicity, or Hulu if you want an all-in-one replacement for both cable and streaming.

If youre trying to replace cable, two of the biggest names right now are YouTube TV and Hulu + Live TV.

Both offer a familiar cable-like experience with live channels, sports, local networks, and DVR. No cable box and no annual contract. But as CNET notes, prices have crept up significantly in recent years, with both now sitting around $80$90 per month.

At that price level, this isnt a casual subscription anymore. Its a real budget decision for families, so picking the right service matters.

The price difference is smallbut the value isnt

On paper, the pricing looks fairly straightforward:

YouTube TV: $82.99/month
Hulu (with ads) + Live TV: $89.99/month

But as CNET points out, Hulus higher price includes Disney+ and ESPN Select (formerly ESPN+), which changes the equation for some viewers.

If you already pay for those services (or would), Hulu can actually come out ahead. If you dont care about them, youre essentially paying extra for something you wont use.

Another thing to consider is that both platforms offer add-ons (sports, premium channels, no-ads tiers), which can push your monthly cost well above $100 if youre not careful.

What this means for you: Dont just compare the base prices. Be sure to compare what youd actually use and what youd otherwise pay for separately.

Pro tip: Use their free trials strategically. Both YouTube TV (10 days) and Hulu + Live TV (three days) offer free trials and the smart move is to use them back-to-back, not at the same time. Test one for a week, cancel it, and then try the other one so you can compare them without paying for both.

Channel lineup: Closebut still matters

Both services cover the basics:

Major broadcast networks (ABC, CBS, NBC, Fox)
News (CNN, Fox News)
Sports (ESPN, TNT)
Entertainment channels

YouTube TV has a slight edge with:

78 of the top 100 channels
Hulu has just 75

That difference sounds small, but the specific channels are what matter.

For example:

Hulu includes A&E, History, and Lifetime.
YouTube TV doesn't have those three channels, but they doincludeAMC, NBA TV, and BBC America whichHulu does not have.

What this means for you: Before choosing, be sure to note your must-have channels. For some viewers who have their absolute favorites, missing just one can make the entire service feel like a bad fit.

Sports: Where YouTube TV pulls ahead

If sports are your priority, YouTube TV has a clear advantage.

Heres why:

NBA TV is included in their base plan
They give you access to regional NBC Sports networks (in select areas)
They have popular add-ons like NFL RedZone
They also offer a stand-alone Sports Plan, for $64.99/month, that focuses on only those channels that has live sports regularly.

On top of that, YouTube TV is the exclusive home of NFL Sunday Ticket, which is a major draw for football fans.

Hulu still offers solid sports coverage, but many of its sports extras require add-ons that raise your monthly bill.

What this means for you:

If you follow multiple leagues YouTube TV is a more complete service.
If you just watch the occasional game either service will work fine.

Pro tip: Rotate both services in a way that fits your viewing lifestyle, especially if youre not watching live TV year-round. For example, consider subscribing to YouTube TV during football season, then cancel. Or Hulu + Live TV only when a new season of your favorite show releases. This on/off strategy can easily save you hundreds per year without missing much of anything.

On-demand content: Hulu dominates here

When it comes to on-demand stuff, this is where Hulu really separates itself.

Hulu + Live TV includes:

Full access to Hulus on-demand library
Original shows like The Bear and Only Murders in the Building
Thousands of episodes and movies available for streaming

That means youre not just replacing cable, youre also covering what youd normally use Netflix or another streamer for.

YouTube TV, on the other hand, feels more like traditional cable: you get live TV and some on-demand content, but not a deep streaming library.

What this means for you:

If you want fewer subscriptions overall, Hulu can consolidate everything into one place.

Ease of use: YouTube TV is simpler

User experience matters more than most people expect especially if youre watching daily.

According to CNET, YouTube TV stands out for:

A cleaner, more intuitive layout
Better search functionality
Easier navigation overall

Hulus interface is more visually engaging, but it can feel busier and slightly harder to navigate when youre just trying to find something quickly.

What this means for you:

Prefer simplicity YouTube TV
Prefer visuals and browsing Hulu

So which one should you choose?

As CNET puts it, this decision really comes down to how you watch TV not just price.

Choose YouTube TV if you:

Care most about live TV and sports
Want a simple, easy-to-use interface
Dont need bundled streaming services

Choose Hulu + Live TV if you:

Want live TV along with on-demand content in one place
Already use (or want) Disney+ and ESPN Select
Prefer fewer total subscriptions

Consumer News: Memorial Day getaways are heating up — Here’s where Americans are headed (and how to save)
Mon, 20 Apr 2026 19:07:07 +0000

New travel data highlights smart strategies to stretch your budget without sacrificing your trip

By Kristen Dalli of ConsumerAffairs

April 20, 2026

Americans are prioritizing Memorial Day travel despite higher costs, with top destinations ranging from major cities like New York and Las Vegas to beach hotspots like Honolulu and Orlando.
Travelers are getting more strategic to save money, using flexible dates, alternative routes, and less-crowded destinations to find better deals.
Timing matters: Flying on off-peak days, booking during cheaper weeks, and considering shoulder season travel can help cut costs and avoid crowds.

Memorial Day weekend is shaping up to be a busy one for travelers and not even higher prices are slowing people down.

New data from Skyscanner shows Americans are eager to kick off summer with a getaway, flocking to a mix of bucket-list cities and sunshine-filled escapes.

But while demand is high, the way people are planning their trips is shifting. Travelers are getting more strategic, prioritizing value by booking at the right time, staying flexible with routes, and hunting for destinations that offer more bang for their buck. ConsumerAffairs spoke to Lourdes Losada, Director of the Americas at Skyscanner, who explained that its not about spending less its about spending smarter.

Trending destinations for Memorial Day Weekend

Skyscanners data revealed the top 20 trending destinations for Americans this Memorial Day Weekend based on site visitors searches:

New York, New York
Los Angeles, California
Las Vegas
Honolulu, Hawaii
Orlando, Florida
San Francisco, California
Miami, Florida
Seattle, Washington
Boston, Massachusetts
Chicago, Illinois
Denver, Colorado
Dallas, Texas
Washington D.C.
Nashville, Tennessee
Kahului, Hawaii
San Diego, California
Portland, Oregon
Atlanta, Georgia
Houston, Texas
New Orleans, Louisiana

There are deals to find

If youre thinking about traveling for Memorial Day or later in the summer, not all prices are rising. Losada broke it all down here:

Prices are not rising on every route, nor at the same rate, which means there are still incredible deals to be found for travelers who can be flexible or are open to exploring less well-known destinations, she said.

Comparing and contrasting dates, providers, departure airports, and destinations will always enable you to find the best deal available for your needs.

Another tip from Losada: Travel the opposite way of the crowd to find better deals.

Around major events or holidays, timing your flight can help you secure the best deals. For example, after Memorial Day, flying home on Wednesday or Thursday is often more affordable than flying on Monday or Tuesday.

Navigating peak travel season

The summer is peak travel season, and knowing how to make the most of your trip and booking responsibly is key.

For starters, Skyscanners data found that the cheapest week of the summer to travel is the week of August 17, 2026, with an average airfare of $515. The cheapest day of the week to travel this summer is Monday.

Losada shared some more tips:

Traveling during peak summer months of July and August often means a big price tag and sometimes even bigger crowds, she said. To get around this, savvy travelers are extending their summer by shifting their vacations to the shoulder season (May/early June and September/October). For travelers who have their heart set on popular destinations, shoulder season is a great way to visit without the crowds or the hefty price tag.

"Flexibility in your travel dates can help you find the best deals, Losada continued. Skyscanner offers a Whole Month search feature that allows you to find the most affordable dates to fly within a specific month. Adjusting your travel days, such as flying on a Tuesday or during off-peak seasons, can further help you achieve significant savings on both flights and accommodations.

But before you book that flight, do a quick hotel search to ensure that what seems like an off-peak season really will be slower, meaning fewer crowds and better deals. Popular destinations like Las Vegas, for example, have conventions and big events year-round, so its worth checking to see if anything is going on nearby that might drive up hotel prices or cause them to book up quickly.

Consumer News: FBI impersonation are on the rise — Here’s how to spot one before it’s too late
Mon, 20 Apr 2026 19:07:07 +0000

Cybersecurity experts warn that scammers are using fear and urgency to trick people into handing over money and personal information

By Kristen Dalli of ConsumerAffairs

April 20, 2026

Scammers are increasingly posing as FBI agents, using fear and urgency to pressure people into sending money or sharing sensitive information
Losses from government impersonation have surged, with reports doubling year over year and costing victims hundreds of millions of dollars
Red flags include unsolicited contact, urgent legal threats, demands for payment, and requests for secrecy and real law enforcement will never ask for money this way

Getting a call from the FBI would rattle just about anyone and scammers are counting on that reaction.

A growing number of fraudsters are posing as federal agents, reaching out by phone, email, or text with alarming claims that pressure people to act fast. Whether its a supposed criminal investigation or a warning about financial trouble, the goal is the same: create panic and push victims into making quick decisions they might not otherwise make.

ConsumerAffairs spoke with Silviu Stahie, a security analyst at Bitdefender, who explained that these are becoming more convincing by the day.

Increase in FBI impersonation

Stahie explained that the FBIs Internet Crime Complaint Centerreportedreceiving more than 1 million complaints in 2025, and government impersonationalone accounted for over 32,000 complaints andnearly $800 millionin losses.

If we look at 2024, with $400 million in losses from this type ofscam, we can easily see a 100% increase, Stahie said. Unfortunately, thisshowsthatthescamworks, and wecanexpectan increase in the coming years as attacks become more sophisticated.

Scammers are gathering data

For these types of , criminals rarely use a singleinformation source.

They gather data from data breaches, publicly available social media profiles, scraped profiles, and recycled information frompreviousthat worked, Stahie explained. In fact, once someone becomes a victim, theres a good chance that attackers will try again at a later date.

Peopledontrealize just how much personal information about themselves is out there. And, for the most part, thatinformation is shared voluntarily on social media, forums, and many other channels. Even iftheyvebeen careful not to share anything about their private life, the online services people use daily can get compromised.

Know what to look for

Stahie said that despite the increase in sophistication, thesefollow the same pattern. Here are some red flags to look for:

These usually begin with unsolicited contact and quickly escalate into a situation involving urgency or legal threats.
Criminals will say that the victims are part of an investigation, have missed a legal obligation, or need to act urgently to avoid consequences.
The urgency is the first pivot in theattack, ascyber criminalsneed the victims to believe they must act NOW.
The financial request itself is another big red flag. Any demand for money,especially forwire transfers, gift cards, or cryptocurrency, should raise suspicionimmediately.
Another thing to look for: the pressure for secrecy, asattackersoften warn victims that they cant contact anyone else.

The clearest rule we can follow is simple: no law enforcement agency will ever ask for money or sensitive financial information over the phone or via unsolicited messages, Stahie said.

Healthy skepticism can help

With much of our lives existing digitally, Stahie says that healthy skepticism can be one of the best ways to protect ourselves.

Healthy skepticism is the first line of defense, Stahie said. Any unexpected communication that involves urgency, authority, or financial requests should be treated with the same measure. Close any communication,verify the claims independentlyandcontactlaw enforcement.

Reducing your digital footprint is also vital. The less publicly available personal information, the harder it becomes for scammers to build convincing narratives. On the technical side, tools that filter or block suspicious calls can significantly reduce exposure to these attacks.Freeonlinetools such asReverse Phone Number Lookupscansecurity databases to verify callers anddetermineif a call is safe, spam, or a potentialscam.

Consumer News: The gas pump scam that can drain your card in minutes
Mon, 20 Apr 2026 19:07:07 +0000

How a simple distraction at the pump can cost you

By Kyle James of ConsumerAffairs

April 20, 2026

Scammers distract drivers at the pump to keep transactions open, then offer the next customera cash discount, while the chargegoesto your card.
The scam is easy to miss because it happens quickly, often when youre in a rush, and victims typically dont spot the extra charges until days later.
Protect yourself by ending the transaction, returning the nozzle yourself, grabbing a receipt, and avoiding anyone who insists on helping at the pump.

Theres a growing scam happening at gas stations right now that can easily catch drivers off guardespecially those in a hurry to get back on the road.

Its called a pump-switching scam, and it works because its quick, subtle, and easy to miss in the moment.

Heres how it typically plays out

While youre pumping gas, a stranger approaches and offers to help, they may even look like they work for the station.

It might come off like a friendly gesture, but the goal is to get control of the nozzle, and more importantly, keep your transaction open without you noticing.

Whether you accept the help or not, the scammer may try to grab the nozzle or distract you just long enough to interfere. If the pump isnt properly reset when you leave, your card stays active.

From there, the scammer moves to the next driver, offering to fill their tank for a sizable cash discount. While that person thinks theyre getting a deal, the charges are actually going to your card.

Theyll keep going until the pump shuts off or your card hits its limit.

Why so many people miss it

What makes this scam effective is the timing of it all.

Most people are in a rush when they stop for gas. Youre thinking about getting back on the road and not double-checking whether the transaction is fully closed out.

Victims often dont notice anything is wrong until they review their statement days later. By then, the damage is done, and the scammer is long gone.

In some reported cases, a routine $25$30 fill-up has turned into charges of $150 or more.

Police also warn that scammers can be aggressive, especially if confronted. That adds another layer of pressure to unsuspecting drivers, making it easier for them to pull off.

Why its getting worse right now

This type of scam tends to spike when gas prices go up.

When fuel is more expensive, every gallon charged to your card adds up faster. That means scammers can rack up higher totals in less time, making the scheme more profitable.

Law enforcement has also noted that these incidents arent limited to one region. Theyve been reported across multiple states over the years, especially during periods of rising prices.

Smart ways to protect yourself

The good news is that this scam is easy to avoid if you know what to look for.

Here are a few simple steps that can make a big difference:

Always return the nozzle yourself and make sure its securely placed back in the pump.
Double-check that the transaction has ended before you leave.
Grab the receipt, even if you dont plan to keep it. It simply confirms that the transaction is closed.
Use mobile payment options when possible. This can add an extra layer of security.
If someone approaches you and wont take no for an answer, dont engage. Instead, get back in your car, lock the doors, and move on to the next station if you havent started pumping yet.

What to do if it happens to you

If you notice any suspicious charges on your statement, be sure to act quickly.

Contact your bank or credit card company right away. In many cases, fraudulent charges can be reversed if you report them promptly.

The sooner you flag it, the better your chances of limiting the damage.

Consumer News: FTC shuts down alleged student loan debt relief operation targeting borrowers
Mon, 20 Apr 2026 19:07:07 +0000

The agency claims the companies posed as government employees

By Mark Huffman

of ConsumerAffairs

April 20, 2026

FTC obtained a temporary restraining order to halt an alleged student loan debt relief scam.
Operators allegedly impersonated the U.S. Department of Education and collected up to $8.8 million in illegal fees.
Consumers were charged upfront monthly fees as high as $1,400 for services that did not exist.

The Federal Trade Commission (FTC) has moved to stop what it describes as a widespread student loan debt relief scheme that targeted financially-burdened borrowers with false promises of loan forgiveness.

The agency said it secured a temporary restraining order against companies NERD Solutions Inc. and ED REF Inc., along with their operators, over allegations they misled consumers and collected millions in illegal fees.

According to the FTC, the defendants posed as affiliates of the U.S. Department of Education or legitimate loan servicers, using deceptive telemarketing tactics to reach consumers including thousands listed on the National Do Not Call Registry.

The agency alleges that, beginning in at least February 2022, the operation lured borrowers with claims that they could secure student loan forgiveness or significantly reduce debt. Victims were then charged upfront monthly fees that sometimes reached $1,400, despite federal rules generally prohibiting such advance payments for debt relief services.

Allegedly collected $8.8 million

In total, the scheme is accused of collecting at least $8.8 million from consumers already struggling with student loan obligations.

The FTCs complaint charges the defendants with violating multiple laws, including the FTC Act, the Telemarketing Sales Rule, the Impersonation Rule, and the Gramm-Leach-Bliley Act.

A federal court in the Central District of California granted the temporary restraining order on April 13, 2026, effectively halting the operation while the case proceeds.

The FTC noted that its actions are part of ongoing efforts to combat targeting student loan borrowers. The agency also reiterated that it does not demand upfront payments or promise loan forgiveness, urging consumers to be wary of similar claims and report suspected fraud.

The case remains pending, and the allegations have not yet been proven in court.

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