The online retailer offers tips for identifying real messages from fakes

By Mark Huffman of ConsumerAffairs

• Be cautious of unexpected messages claiming to be from Amazon about your orders or account.

• Never share personal or financial information outside of Amazons official website or app.

• Report suspicious messages immediately to help Amazon stop scammers before they strike.
  

Millions of consumers will look for deals during Amazons two-day Prime Day promotion, but beware scammers are lying in wait.

Amazon is reminding consumers to stay alert for impersonation fraudulent attempts to trick people into sharing sensitive information like Social Security numbers, banking details, or Amazon account credentials.

In 2023, more than two-thirds of reported to Amazon globally involved fake claims about order or account issues. These often start with a call, text, or email saying something like, You bought something on Amazon that you didnt order. The scammer then asks for personal or account information to fix the issue.

Scammers who attempt to impersonate Amazon put consumers at risk, said Dharmesh Mehta, Amazons vice president of Selling Partner Services. Although these take place outside our store, we will continue to invest in protecting consumers and educating the public on how to avoid .

What Amazon is doing

Amazon said it has implemented several key measures to help customers stay safe:

• Secure email authentication: Customers using Gmail, Yahoo!, and similar services will now see Amazons signature smile logo beside legitimate emails from the companyhelping distinguish real messages from fakes.

• Cracking down on scammers: In 2024 alone, Amazon initiated the takedown of over 55,000 phishing websites and 12,000 phone numbers linked to impersonation schemes.

• Education and awareness: Amazon continues to share safety tips and resources to help consumers recognize and avoid .

Six tips to avoid impersonation

1. Verify purchases on Amazon. If you get a suspicious message about a purchase, dont click any links. Instead, log into your Amazon account or app to verify.

2. Use only Amazons app or website for payments. Amazon will never ask for payment over the phone or by email, nor request a bank transfer.

3. Beware of urgency tactics. Scammers often claim that immediate action is required to pressure you into responding.

4. Never buy gift cards to resolve a problem. Amazon will not ask you to make a payment using gift cards.

5. Contact Amazon directly. If something feels off, stop interacting with the sender and reach Amazon through its app or websitenot through links or phone numbers in messages.

6. Check Amazons Scam Tracker. In partnership with the Better Business Bureau, this tool allows you to search for reports of similar by email, URL, or phone number.

Report suspicious messages

If you suspect a scam, Amazon asks that you report it right away. Amazon offers a self-service tool for customers to flag suspicious messages quickly. Non-customers can also forward scam attempts to reportascam@amazon.com. Each report helps Amazon identify bad actors and prevent others from falling victim.

Report: Families drowning in $1.66 trillion in car debt

• U.S. auto loan delinquencies are climbing above pre-pandemic rates and nearing 2008 crisis levels.

• Consumers now carry $1.66 trillion in auto debt as repossessions accelerate.

• Consumer Federation of America urges tougher oversight of lenders and dealers.

The Consumer Federation of America (CFA) warns that the nations auto lending market is showing alarming signs of distress. A CFA study finds that more borrowers are slipping into delinquency and default than before the pandemic, with rates approaching the levels seen ahead of the 2008 financial crash.

Americans collectively owe $1.66 trillion on car loans, the CFA reports. As delinquencies, defaults and repossessions rise, regulators charged with monitoring the market have pulled back enforcement, leaving consumers more vulnerable to predatory practices by dealers and lenders.

Car ownership turning into a debt trap

Buying a car should be a way for families to achieve economic success, but it is increasingly becoming an unaffordable burden that pushes consumers down into a debt spiral, said Tara Mikkilineni, a senior fellow at CFA. The group argues that many borrowers are forced into risky loan structures and inflated prices that make default more likely.

CFA consumer protection director Erin Witte said families are in an economic pressure cooker, with car loans jeopardizing their ability to avoid financial ruin. Because households often prioritize auto payments over other obligations, rising delinquencies suggest that deeper economic stress is spreading through U.S. households.

The report urges Congress and regulators to step up oversight, strengthen rules governing auto lenders, and pursue structural reforms to protect borrowers. Without intervention, CFA warns, predatory practices and surging delinquencies could trigger broader financial fallout.

Prevention / What consumers can do

• Know your credit score before shopping: Lenders often use credit tiers to set loan terms. Improving your score even slightly can mean thousands saved over the life of a loan.

• Get pre-approved: Secure financing from a credit union or bank before visiting the dealership. This reduces the risk of being steered into high-interest dealer loans.

• Watch out for add-ons: GAP insurance, extended warranties, and service contracts are often marked up heavily at dealerships. Always ask if these are optional and shop around if you want them.

• Keep loan terms short: Stretching payments over 72 or 84 months lowers monthly costs but greatly increases total interest paid and raises the risk of being underwater on the car.

• Dont skip refinancing: If interest rates drop or your credit improves, refinancing can reduce your payment and overall cost.

California passes protective measure

Trying to get a handle on car costs, California Governor Gavin Newsom yesterday signedthe California CARS Act (SB 766), along with several other bills aimed at lowering costs for Californians struggling under the weight of an affordability crisis. The CA CARS Act, partly modeled after the Federal Trade Commissions CARS Rule, requires car dealers to tell buyers the total price of the car up front, bans the sale of worthless add-ons, and it includes a first-of-its-kind three day cooling off period for used car buyers. Senator Ben Allen (D-24) introduced the bill as a way to make buying a car more affordable and less risky in California.

We applaud Governor Newsom and Senator Allen on this landmark achievement to make the process of buying a car less painful for buyers and more competitive for honest dealers,said Erin Witte, Director of Consumer Protection at Consumer Federation of America. Everyone who has wasted hours of their life negotiating with a car dealer over endless fees and dishonest pricing can see exactly why this Act is needed, and we urge other states to follow suit and pass legislation to lower costs for car buyers.

Consumer guide

How to avoid the auto debt trap:

1. Set a budget before shopping experts suggest keeping auto payments below 15% of monthly take-home pay.

2. Use online price tools compare dealer quotes with pricing sites to avoid overpaying.

3. Check for hidden fees document fees, add-ons, and extras can inflate the final cost.

4. Prioritize need over want a reliable used vehicle may be safer financially than stretching for a new model.

5. Know your rights some states regulate dealer markups or cap interest rates on subprime loans; research protections where you live.

Homebuyers file class action in Florida federal court

By Truman Lewis of ConsumerAffairs

• Class action claims the nations largest homebuilder misled first-time buyers with artificially low monthly payment estimates.

• Lawsuit says D.R. Horton and its mortgage unit concealed true property tax costs, leading to payment shock.

• Plaintiffs seek damages under RICO, which could triple losses, and aim to stop the alleged predatory practices.

A group of first-time homebuyers has filed a class action lawsuit against D.R. Horton Inc. and its mortgage subsidiary, DHI Mortgage Co., alleging the companies engaged in a deceptive sales and lending scheme that left families with unexpectedly high monthly payments. The suit was filed October 1 in the U.S. District Court for the Middle District of Florida.

The plaintiffs are represented by Varnell & Warwick, Clarkson Law Firm, and the National Consumer Law Center. They accuse D.R. Horton, the nations largest homebuilder, of orchestrating a Monthly Payment Suppression Scheme that low-balled costs in order to lure buyers into larger mortgages.

Allegations of bait-and-switch tactics

According to the lawsuit, sales representatives promised affordable monthly payments while omitting most property tax obligations from the calculations. That omission kept projected payments low enough to persuade buyers to commit. But once loans were sold to new mortgage servicers, many homeowners were stunned to find their actual costs hundreds of dollars higher each month.

D.R. Horton and DHI Mortgage preyed on peoples faith in the American Dream of homeownership to lure them into unaffordable, deceptive deals, said Jennifer Wagner, senior attorney with the National Consumer Law Center.

Example of payment shock

One plaintiff, Frankie Santiago, was told his monthly payment would be $2,164.68 for a Lake County, Florida home. Less than a year later, an escrow analysis added the full property tax bill and back taxes. His payment jumped nearly $1,000 to $3,136.33.

The lawsuit claims the home builder and its mortgage company were working together from the initial sales pitch to closing, presenting artificially low monthly payments that set buyers up for payment shock, said Jeffrey Newsome of Varnell & Warwick.

Potential damages under RICO

The case also invokes the federal Racketeer Influenced and Corrupt Organizations Act (RICO), which allows victims to seek triple damages. If successful, homeowners nationwide who were affected could recover significant sums.

Our goal is to recover damages for people whove been cheated and prevent future homeowners from being drawn into this predatory scheme, said Kristen Simplicio, a partner at Clarkson Law Firm.

Researchers urge consumers to look closely at what type of vitamin D theyre taking

• Vitamin D supplements come in two main types: D2 and D3, and a new meta-analysis finds that taking D2 often lowers blood levels of D3.

• The researchers pooled data from randomized controlled trials and used statistical models to compare D2 supplementation against control conditions.

• On average, D2 supplementation was associated with drops in serum 25-hydroxyvitamin D3 of 9 to 18 nmol/L compared to controls.

Many people take vitamin D supplements especially in winter months or in regions with limited sun to support bone health, immune function, and overall well-being.

However, not all vitamin D is created equal. There are two commonly used forms in supplements: vitamin D2 (ergocalciferol), which is often plant-derived, and vitamin D3 (cholecalciferol), which more closely resembles the form our bodies make when exposed to sunlight.

A new study conducted by researchers from the University of Surrey challenges a long-standing assumption: that you can interchangeably take D2 or D3 and expect the same result. The authors report that supplementing with D2 may actually reduce the levels of D3 in your blood a finding with practical implications for how we choose vitamin D products.

Vitamin D supplements are important, especially between October and March, when our bodies cannot make vitamin D from sunlight in the U.K., researcher Emily Brown, Ph.D. said in a news release.

However, we discovered that vitamin D2 supplements can actually decrease levels of vitamin D3 in the body, which is a previously unknown effect of taking these supplements. This study suggests that subject to personal considerations, vitamin D3 supplements may be more beneficial for most individuals over vitamin D2.

The study

The authors searched for well-designed trials that compared D2 supplementation with control conditions and gathered their data. The trials had to report values for serum 25-hydroxyvitamin D3 (abbreviated 25(OH)D3) either before and after treatment or as changes across the trial.

They used random-effects models (a method in meta-analysis that assumes variation among studies) to calculate weighted mean differences comparing those taking D2 versus those not taking it (control).

The results

The results were consistent and somewhat surprising: D2 supplementation was linked to a drop in D3 levels. Specifically:

• In the end-of-trial comparisons, the D2 groups had, on average, 17.99 nmol/L lower D3 compared to controls, which was statistically highly significant.

• For absolute change (how much each persons D3 shifted over time), D2 supplementation corresponded to an average drop of 9.25 nmol/L.
  

In many of the included trials, the D3 levels in participants taking D2 dropped below those in the non-supplemented control groups.

The authors suggest that this effect might stem from an inverse relationship between D2 and D3 concentrations: perhaps taking D2 accelerates the breakdown or clearance of D3 in the body.

The team is careful to note that these findings dont prove harm, and they call for further research to see whether D2 and D3 have fundamentally different effects on total vitamin D metabolism and whether one type should be preferred.

Tips on Choosing a Vitamin D Supplement

If you take a daily vitamin D supplement, this research might have you rethinking whats in your bottle. Here are a few simple takeaways to help you make an informed choice:

• Check the label for D3 (cholecalciferol). Both D2 and D3 can raise overall vitamin D levels, but this study suggests that D3 may be more effective at maintaining healthy blood concentrations. Look for vitamin D3 or cholecalciferol on the ingredient list.

• Know where your vitamin D comes from. Vitamin D2 is typically plant-based (often made from mushrooms or yeast), while D3 is usually derived from animal sources like lanolin. If you follow a vegan diet, there are now plant-based D3 options made from algae that can offer a good middle ground.

• Dont overdo it. More isnt necessarily better. The right dose depends on your age, diet, and how much sun exposure you get. Most adults need between 600 and 800 IU daily, but some may require more under medical supervision.

• Ask your health care provider about testing. A simple blood test can show whether your vitamin D levels are low or within the healthy range. That information can help you decide whether supplementation and which form makes sense for you.

• Consistency matters. Vitamin D is fat-soluble, so its best absorbed when taken with a meal that contains healthy fats (like avocado, olive oil, or nuts).