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More than 40,000 customers split $5 million settlement

By Truman Lewis Consumer News: Cerebral pays settlement to resolve subscription complaints of ConsumerAffairs
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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More News From This Category
Consumer News: This may be why there are fewer buyers in the spring housing market
Thu, 16 Apr 2026 13:07:06 +0000

Americans are increasingly nervous about job security

By Mark Huffman of ConsumerAffairs
April 16, 2026
  • More than one-third of U.S. workers are delaying or canceling major purchases due to job security concerns

  • Lower-income households and renters are disproportionately affected by economic uncertainty

  • Despite widespread anxiety, a majority of workers still report confidence in their job stability


A recent report from the National Association of Realtors showed a big drop in Marchs existing home sales. A new report from real estate brokerage Redfin may explain why.

It found a growing share of American workers as many as one-third are postponing or abandoning major financial decisions as concerns about job security ripple through the labor force.

The trend shows how economic anxietyeven in a relatively stable job marketis reshaping consumer behavior.

The pullback is particularly pronounced among lower-income households. More than half of workers earning under $50,000 annually report delaying or canceling major purchases, compared with smaller shares among higher-income groups.

Renters are also feeling the strain, with nearly half putting off big-ticket spendingalmost double the rate of homeowners.

A cautious mindset

Overall, the findings point to a cautious mindset among consumers. Even though about two-thirds of workers say they are confident in their job security, roughly one-third remain concerned, highlighting a divide between perception and broader economic indicators.

The survey also reveals that economic uncertainty is influencing financial planning beyond delayed purchases. Roughly 36% of workers lack an emergency fund to cover housing costs in the event of a financial shock, suggesting many households are financially vulnerable.

Meanwhile, sentiment appears to be shifting over time. About 37% of workers say they are more concerned about job security than they were six months ago, compared with just 20% who feel more confident. Analysts say factors such as corporate restructuring, evolving economic conditions, and the growing role of artificial intelligence in the workplace are contributing to the unease.

The result is a more hesitant consumer, with many Americans opting to delay major financial commitments in favor of preserving flexibility and savings, an outlook that could have larger implications for housing and retail markets in the months ahead.


Read More ...


Consumer News: Here’s what The Senior Citizens League expects the Social Security COLA will be
Thu, 16 Apr 2026 13:07:06 +0000

Any increase would be tied to mid-year inflation

By Mark Huffman of ConsumerAffairs
April 16, 2026
  • The Senior Citizens League (TSCL) projects a 2.8% Social Security COLA for 2027unchanged from 2026based on inflation data from July through September, not the full year.

  • Concerns are growing about Social Securitys long-term solvency, with the trust fund projected to run out by 2032, potentially triggering a 24% benefit cut unless reforms are made.

  • TSCL opposes proposed benefit caps like the Six-Figure Limit and instead supports eliminating the payroll tax cap, which could extend the programs solvency to at least 2090 without reducing benefits.


The recent uptick in inflation, caused by higher energy prices, has some retirees wondering if it will mean a bigger Social Security cost-of-living increase in 2027. After all, the increase is based on inflation.

However, the increase is not based on the annual inflation rate, but rather the Consumer Price Index for July, August and September. A lot can happen between then and now.

Even so, The Senior Citizens League has issued its first prediction for the 2027 COLA, predicting it will be 2.8%, the same as for 2026. The average benefits check for retired workers would increase by $56.69, from $2,024.77 to $2,081.46.

Meanwhile, the year 2032 draws closer, Social Security recipients have something else to worry about besides inflation. The Social Security trust fund is expected to run dry in that year, and if that happens, there is a law on the books that would be bad news for recipients.

'Six-Figure Limit'

If lawmakers cant agree on a way to shore up the system, benefits would be cut by an average of 24%. To prevent that, some are suggesting capping payments to beneficiaries at $50,000 per person, or $100,000 per couple. Proposed by the Committee for a Responsible Federal Budget and called the Six-Figure Limit, the policy would close about three-fifths of the programs projected shortfall over the next 75 years.

However, seniors are likely to resist this plan. This effectively amounts to a benefits cut for some Americans, and TSCLs research finds that 95% of seniors oppose benefits cuts for current retirees, while 66% oppose cuts for future retirees.

Key insights

TSCL argues that $100,000 doesnt go as far as it used to. One issue with the Six-Figure Limit plan, it says, is that it does not guarantee that its new cap on Social Security benefits would increase over time as the economy grows or might freeze the cap for up to 30 years before allowing it to grow.

In major urban areas, such as New York, the District of Columbia, Los Angeles, and Boston, average rent already often exceeds $2,000 per month for a 1-bedroom apartment.

TSCL has an alternate proposal: eliminating the current cap on Social Security taxes. Right now, high-earners stop making payments into Social Security in a calendar year once their income exceeds $184,500.

Buying time

About 77%of seniors support eliminating the limit, according to TSCL research, with majorities among both Democrats, Republicans, and Independents alike. According to the Social Security Administrations Office of the Chief Actuary, this would postpone Social Securitys insolvency through at least 2090 without any benefit cuts. Thats even longer than what the Six-Figure Limit proposal would accomplish.

Rather than taking away benefits from people who have paid into the system their entire working lives, we should focus on strengthening Americas pension system, saidTSCL Executive Director Shannon Benton.

Seniors tell us over and over that their benefits dont go as far as they used to, and many younger people worry if the program will have atrophied to a shadow of its former self by the time they reach retirement age, even as taxes on their wages cover todays benefits.

Bernton said most senior households already get by on only about 58% as much income as their working-age counterparts.


Read More ...


Consumer News: Starbucks introduces ChatGPT-powered app to personalize drink discovery
Thu, 16 Apr 2026 13:07:06 +0000

Its like chatting with a barista

By Mark Huffman of ConsumerAffairs
April 16, 2026
  • Starbucks has launched a beta app inside ChatGPT that recommends drinks based on a users mood, preferences or even photos.

  • The feature allows users to customize drinks and complete purchases through Starbucks existing app or website.

  • The initiative reflects a broader push into AI-driven agentic commerce, where recommendations and transactions happen in one place.


Starbucks is testing a new way for customers to choose their next beverageby asking artificial intelligence.

The company has launched a beta Starbucks app within ChatGPT that allows users to receive personalized drink recommendations through natural conversation. Instead of browsing a traditional menu, customers can describe what they are in the mood forsuch as something bright to start my morningor even upload a photo, like an outfit or a sunset, to inspire suggestions.

The AI then translates those prompts into tailored Starbucks drink options, including customizable features such as milk choice, sweetness level or add-ons like cold foam. Once a selection is made, users can choose a store location and complete their order through Starbucks mobile app or website.

Starting with a feeling

Starbucks executives say the tool is designed to reflect how customers actually think about ordering. Customers arent always starting with a menutheyre starting with a feeling, said Paul Riedel, the companys senior vice president of digital and loyalty.

The beta launch positions Starbucks among the first major restaurant chains to embed generative AI directly into the discovery and ordering process. The approach aligns with a growing trend known as agentic commerce, in which AI tools not only suggest products but also help complete transactions seamlessly.

The ChatGPT integration builds on Starbucks growing investment in artificial intelligence, including earlier initiatives like its in-store Green Dot Assist tool for baristas. Together, these efforts signal the companys strategy to use AI to enhance both customer experience and operational efficiency.

For now, the ChatGPT-powered Starbucks experience remains in beta, with the company using the rollout to gather feedback and refine how conversational AI can shape everyday purchasing decisions.


Read More ...


Consumer News: iPhone users are being targeted with a new phishing scam
Thu, 16 Apr 2026 04:07:07 +0000

Text messages claim their iCloud storage is full

By Mark Huffman of ConsumerAffairs
April 15, 2026
  • Scammers are sending fake alerts to iPhone users claiming their iCloud storage is full to trick them into clicking malicious links.

  • The messages often mimic official Apple notifications and urge immediate action to upgrade or secure storage.

  • Cybersecurity experts warn that victims risk losing personal data, passwords, and financial information.


If you receive a message on your iPhone warning that your iCloud storage is full, proceed carefully. A new wave of phishing is targeting iPhone users with alarming messages.

The scam typically arrives via text message or email and appears to be an official Apple notification. It tells recipients their cloud storage has reached capacity and urges them to click a link to upgrade or prevent data loss. The sense of urgency is designed to push users into acting quickly before they have time to question the messages legitimacy.

But the links dont lead to Apple.

Instead, victims are redirected to convincing lookalike websites that prompt them to enter their Apple ID credentials, credit card details, or other sensitive information. In some cases, clicking the link can also trigger the download of malicious software.

According to cybersecurity experts, these messages are crafted to look real, often using Apple logos, branding, and language that closely mirrors legitimate alerts. The goal is to steal login credentials or financial data.

What legitimate alerts look like

Apple does notify users when their iCloud storage is nearing capacity, but those alerts typically appear within the devices settings or official system notifications, not through unsolicited text messages with external links.

Experts recommend that users avoid clicking any links in unexpected messages. Instead, they should check their storage status directly by going to Settings on their iPhone and reviewing their iCloud usage.

Other warning signs include generic greetings, suspicious URLs, spelling errors, and requests for sensitive information. Apple said it will never ask users to provide passwords or payment details through text messages or unofficial websites.

Anyone who receives a suspicious message is encouraged to delete it and report it to Apple. If a user believes they may have fallen victim to the scam, they should immediately change their Apple ID password and monitor financial accounts for unusual activity.


Read More ...


Consumer News: The best employee discounts in retail (and which ones are actually worth it)
Thu, 16 Apr 2026 01:07:07 +0000

Not all employee discounts are equal heres what matters

By Kyle James of ConsumerAffairs
April 15, 2026
  • Big discounts + real value: Top retailers like Lululemon, Nike, and REI offer 3060% off, making expensive items actually affordable.

  • Stackability is where you win: Discounts at Target and Nike get much stronger when combined with sales, clearance, and promos.

  • Use it strategically or its wasted: The best savings come from buying essentials and big-ticket items not impulse purchases just because you get a discount.


If youve ever worked retail, you already know the paycheck isnt always the main perk. The employee discount that is offered, and how you can use it to save money, is often the deciding factor when applying.

So, if youre currently looking for work, its smart to know which retail jobs actually hook you up with real savings. Plus, Ill breakdown how to maximize the employee discount in the smartest way possible.

What makes an employee discount good?

Before we get into the best ones, here are the best ways to judge them:

  • Discount size: 20% is solid, 30%+ is elite.
  • Stackability: Can you use it on top of sales or clearance items?
  • Product pricing: A 20% discount at an overpriced store is still overpriced.
  • Restrictions: Some brands exclude the stuff you actually want to buy so you have to pay attention to exclusions.

The best employee discounts hit all four of these qualifiers.

Lululemon The gold standard

Lululemons employee discount is one of the few that can genuinely change your spending habits.

Full-time employees get 60% off, while part-time workers still get 40% off. With such a solid discount, its clear they want their employees wearing and representing their clothing.

Beyond just the discount, employees also get perks like fitness stipends and wellness benefits, which adds even more value.

Why it actually matters:

Lululemon isnt fast fashion. Youre getting premium, high-margin gear at close to wholesale pricing, which means the savings are real.

Smart moves and tips:

  • Buy core staples (leggings, jackets) instead of trendy items.
  • Time purchases with internal markdowns for even deeper discounts.
  • Use friends & family events to extend savings to your household.
  • Avoid overbuying this is where people lose the advantage.

The catch:

I had an employee tell me they track employee discount usage closely. Its meant for personal use only, and not for flipping their products on eBay for a profit.

Also, if youre a seasonal hire, I was told youll have to wait 30 days to use your discount.

Nike Consistently strong

Nikes employee discount is a generous 40% and it typically extends to all family members that live at your address. But the real magic isnt necessarily the percentage its what you can stack it with.

Why its powerful:

Nike runs constant promos, outlet markdowns, and clearance cycles. That means your employee discount often stacks on top of already reduced pricing allowing you to really save money.

Smarttips for using the discount:

  • Shop at Nike outlets + clearance items + employee discount for 5070% total savings.
  • Focus on off-season gear as its typically discounted heavily (winter gear in summer, etc.).
  • Try to use your discount on higher-ticket items (shoes, jackets) for max savings.
  • Avoid buying those full-price hype releases and try to wait for markdown cycles.

Gap Inc. (Gap, Old Navy, Banana Republic)

Gap Inc. (which includes Gap, Old Navy, Banana Republic, and Athleta) offers 50% off regular-priced items which makes it great for workers with families, especially young kids.

Why its underrated:

Youre not just saving atone store. Youre covering all of this:

  • Kids clothes (Old Navy)
  • Business and workwear (Banana Republic)
  • Activewear (Athleta)

Thats a full wardrobe strategy at 50% offnot too shabby!Also, I was told by a current employee that youre eligible for the discount within 48 hours of being officially hired.

Tips for success:

  • Use it on basics (jeans, tees, kids clothes) where volume matters.
  • Shop across brands strategically: Dont overpay at Banana Republic if Old Navy has similar items.
  • Stack with seasonal clearance when allowed.
  • Avoid buying just because its half off stick to planned purchases.

Target Sneaky good when stacked

Targets base employee discount is 10%, which sounds fairly weak until you stack it.

Youll also get what they term a Team Member Wellness discount which gets you an extra 20% off fresh and frozen fruits/vegetables along with wellness products.

On your first day of employment, you can stack the discount with:

Pro moves:

  • Use it on groceries and essentials (this is where it compounds), especially on fruit and produce.
  • Stack with Target Circle offers every single trip.
  • Combine with clearance endcaps (huge hidden savings).

Best Buy It's different, but solid

Best Buy doesnt offer a standard percentage to their workers. Instead, employees get a discount of Cost + 5% after youve been employed for at least 30 days.

So, if you buy a new TV that Best Buy paid $1,000 for, youd get it for just $1,050. Often times that TV will have a MSRP of $1,300 (or more), so the savings can definitely add up.

Why its different: Most electronics have very tight margins, so when you get close to cost, youre beating almost any price you can find anywhere else.

Pro moves:

  • Focus on accessories: Cables, chargers, peripherals = big margins.
  • Use it when new products launch (before sales catch up).
  • Compare pricing:Not every item is a huge win.

REI Massive for outdoor gear

Once youre onboarded, REI offers employees 50% off its own-brand items and 30% off the other brands they sell.

Why its huge: As any outdoor enthusiast can attest, gear is expensive. This discount turns $300$500 worth of items into something actually affordable.

Smart moves:

  • Buy big-ticket gear (tents, jackets, backpacks).
  • Combine with REI seasonal sales for deeper discounts.
  • Prioritize REI brand items (bigger discount than third-party brands).
  • Use the savings to invest in higher-quality gear that lasts longer.

Apple Good, not amazing

Apples employee discount sounds simple, but theres a bit more to it.

After 90 days of employment, employees can get 25% off select products, but its a limited toone-time annual discount per product category.

That includes the iPhone, iPad, Mac computers, and Apple Watch. So, in a given year, you could potentially score each of those at 25% off, but only once per category.

Why it matters: Apple almost never discounts products publicly, so even a small percentage is meaningful.

Pro tips:

  • Use it on big-ticket items (MacBooks, iPhones).
  • Wait for internal promo periods or refresh cycles.
  • Combine with education pricing if eligible.
  • Avoid using it on accessories (often cheaper elsewhere).

Starbucks Best for daily savings

At Starbucks, the employee discount is a strong 30% off, available from day one, which applies to both drinks and retail items.

During the holiday season, that discount often gets bumped up to 40%, making it a surprisingly great place to knock out some of your gift shopping.

Why its great:

Perhaps the real standout perk is employees get to take home a free one-pound bag of coffee (or tea, VIA packets, or K-Cups) every week.

And while youre working, it gets even better, as you can get free drinks (up to fourper shift) plus one free food item per shift (up to seven per week).


Read More ...


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