Sitemap - 2015 - The Red Tape Chronicles

My top 20 stories of 2015: Starbucks, Comcast, and more

2015, the year things got real: Health data and security clearance dossiers were the big 'Target'

Watch out for the Microsoft Windows 'Blue Screen of Update'

If you've noticed a bit more anger from cashiers this season, blame the (credit card) chips

Christmas Eve means e-gift cards, and that's OK (but watch your spam folder)

Murder, politics, sports, love -- the perfect gift! It's never too late to give a book. Here's my 2015 list

Promised Land search: OK City now 'new and exciting,' but it's not perfect

ARCHIVE: Forget self-denial: Key to richer, healthier life is a good imagination

Seagate allows security certificate to expire, breaking mobile tool and raising other questions

Cord cutting is the new mortgage burning; one in five young adults have broken up with cable/sat TV

Pawn shop chain drops payday lending business after investigation of in-person debt collection visits

LifeLock will pay a record $100 million to settle FTC allegations it didn't protect customer data

Comcast data caps cost this consumer $90 a month extra; more fees for more users coming in January

Virus warning: An email trap you should know about -- from a fake debt collector

Search for the Promised Land: Raleigh, N.C., is a great place to start over

Turn on Amazon's new two-factor sign-on process, and other last-minute safe shopping tips

The Cynja, Vol. 17: Grant was sucked into the Internet

'You've got the wrong person!' When debt collectors won't take 'it's not me' for an answer

Survey: Some consumers are avoiding stores that require chip credit card payment

Search for the Promised Land (or at least an affordable life): Buffalo, N.Y.

Plastic surgery in Italy? $2,000 in sex toys? What's the weirdest fraud you've found on your credit card?

Sane places to live in America? My all-in-one map says 'Go (Mid)West, young people' -- the 2015 version

A second chance at love: old dogs have much to teach us, new book reveals

Now that E-tail > Black Friday, here's five tips to staying safe you might not have seen elsewhere

Book excerpt: Beating back the college debt beast -- the best ways to save for college  

Black Friday isn't just for Black Friday any more; don't let stores rip off your money (or your time)

Is the 'gig economy' really the 'scam economy?' Don't get taken for a ride

Restless: Homes near good schools cost twice as much, and two-thirds of those neighborhoods are unaffordable

Behind the data: Even in 'affordable' cities, there's a big rental penalty

The Cynja, Vol. 16: The USB stick looked like magic

VIDEO: Breaking encryption will not make us safer

Fine print alert: Hey kids! Your parents have read and agreed to this, right? (wink)

Anti-encryption opportunists seize on Paris attacks; don't be fooled

ARCHIVE: FBI software cracks encryption wall - 'Magic Lantern' part of new Enhanced Carnivore project

The Cynja, Vol. 15: BOOM! Mr. Hughes was gone!

Tech support scam shut down by FTC (but beware others, like the one I 'fell' for)

The top 10 cities with the fewest 'housing poor' residents; do you live in one of them?

More video of that Missouri professor who calls in 'muscle' -- what the law says, and why anyone with a smartphone should care

China's 'citizen score' ideas offer a glimpse of what your credit score could become

First-time home buyers at decades-long low; millennials as likely to live with parents as own a home

Chip & PAIN? Some consumers frustrated with slow transition to new chip-enabled cards

When a firm spreads misinformation, what's the harm? Spokeo (and Facebook, and Google) argue at Supreme Court

ARCHIVE: Spokeo fined, but it's still really spooky

Did the Kansas City Royals just kill Moneyball, and help you get a raise?

Employment background firm wrongly reported convictions on consumers' records, CFPB alleges

Being wasted on Facebook could hurt your credit score? Uh....no. Not yet, anyway

Signed up for Verizon's reward program? Now AOL and HuffPo know where you are. Huh?

If the publicly-traded company is dying, is your 401(k) far behind?

Suffering in silence: Working parents (yes, dads too) frustrated but employers don't know it

When is a job perk not a perk? When it's a Trojan horse perk designed to lure you into overwork

VIDEO: The CIA director's AOL account was hacked? (Wait, he had an AOL account?)

My second birthday -- I'm still standing (and so is journalism)

Archive: Before firms use 'Facebook score' to screen applicants, stop the insanity

The Cynja, Vol. 14: More than playing games or watching videos

If an algorithm sees you naked, should you care? My 'Is Privacy Dead' feature story for Super Lawyers

When a debt collector pretends to be the pizza guy

The Cynja, Vol. 13: The hidden routes and secret passages

The perils of LinkedIn promiscuity -- it's just business, so don't be too friendly

The annual pay raise is dead; what are the implications for budgeting...and optimism?

Buying a home just changed drastically; here's what you need to know

DraftKings, FanDuel temporarily ban employees from playing for money after controversy erupts

Major fantasy sports sites FanDuel and DraftKings face discussion of potential 'insider trading' issue

Accessing your money gets more expensive; ATM fees climb again, 'free' checking has more strings attached

Gogo charged me $250 after I canceled service; if you fly and Wi-Fi, check your credit card bills

15 million T-Mobile applicants exposed; Experian confesses 'unauthorized acquisition of information'

StubHub the latest victim of Gotcha Capitalism; again, honest pricing punished by America's free-for-all market

What’s really happening to your credit card today (it's chip card deadline day!)

With Yogi's passing, the end of an era -- when sports heroes were like you and me

Why are the bad guys winning? They have a two-month head start, new report finds

Her student loan payment jumped from $200 to $1,400; a cautionary tale

The big problem with those new chip credit cards that no one is talking about

It all started when some boys insulted a little girl; Nader's consumer museum opens

A day with the Pope, in photos

The little girl who stole the show during the Pope's visit; these pictures you won't see anywhere else

CVS employee stole drug benefits card database; Molina Healthcare consumers warned about ID theft

If everyone hates meetings, why do we spend so much time in them (and is there an escape?)

The Cynja, Vol. 12: You're good with computers, but you must do your homework

Volkswagen software tricked emissions tests, feds say; hacking of customers is the real problem

Just because the ad says a lawyer will help with your debt problem doesn't mean it's true

American Airlines 'technical difficulties' impacts several airports, website

Out the window, a photo essay - If you've always wanted to drive cross-country, but haven't (yet)

N.J. Congressman calls for hearings on explosive fantasy sports growth, prize money

Expedia: Don't press '1' for more information about a free trip or another prize - it's a scam

Grandparent scam keeps on working -- talk to your elderly relatives NOW

The Cynja, Vol. 11: Grant is secretly scripting new software

Sometimes it's better to drive -- or walk -- to see the country

Two debt collectors hit with largest-ever penalty; Wall Street cheers, gobbles up shares

Credit reports and credit scores will soon change -- for the better

Labor Day: Time to work that second job

Comcast brings cell-phone-like data charges to home Internet users

For $900 a month, you can have it all (in Missoula)

How do you pay off $47,000 in debt? One dollar at a time

The way we buy cell phones is radically changing (but they will still cost about the same)

Surprise! Used car loans are hot. Here's a guide to driving away happy

Yes, you can buy a new laptop on credit. But you probably shouldn't

Eight cheaper ways to book hotels: The latest installment of the 'How to Buy Anything' series

Requiem for the starter home -- where are young families supposed to live?

Knee-jerk reactions against higher wages are poisoning the important debate we need to have

A bad credit score can raise your driver's insurance rates higher than a DUI, study finds

Most consumers are worried their cars might be hacked; many say they'd pay for car 'anti-virus' protection

The real reason for skyrocketing college tuition: vanishing lower-cost options

The Cynja, Vol. 10: Meet Grant Wiley - creating something out of nothing makes him feel cool

The nation's top 10 consumer gripes, and new 'gotchas' to worry about

Apple Rewards credit card: How much will those free points cost? I can't tell you

ARCHIVE: SCOTUS credit score auto insurance penalty ruling supremely disappointing, if not insulting

Did Tom Brady have to surrender his personal cell phone to his employer? Well, you have to...

Do you Tweet and hang out with your kids at the same time? Work-family multitasking is the new challenge

Etsy, comedy, and working towards a debt-free marriage

It's Windows upgrade week! Don't throw out your PC, add memory instead -- the DIY that saves $$$

The Cynja, Vol. 9: The cynsei needs help

Five years after financial reform, new consumer agency still hasn't won over critics

Victims of medical bills domino effect might finally get some relief

LifeLock violated settlement terms, FTC alleges

Citi will refund $700 million for deceptive marketing of credit card add-on products

Some secrets are more valuable than others; Ashley Madison and the new 'data kidnapping'

Save thousands, buy a car in a private sale -- but do it carefully

Student loans to blame for the college tuition 'bubble?' Does federal aid help or hurt?

Another unintended consequence of plastic bag tax -- your waistline? Reusable bags don't mean license to 'cheat'

Most people think they check their smartphones less than others; they're (not) dreaming

Craze over superzoom camera that can literally shoot the Moon, but will it have a creepy dark side?

ARCHIVE: What rules govern filming of police in public places?

'Shoddy, illegal practices' -- Chase to pay $166 million for robosigning, collecting 'zombie' debts

The Cynja, Vol. 8: About to unleash perilous malware

Historic: Fed hack puts 25 million at risk, including some outside government; fingerprints also stolen

Time Warner ordered to pay $230k for 153 wrong-number robocalls

Please stand by: America is experiencing 'technical difficulties'

Where'd those annual Social Security statements go? They're right here...click to verify earnings and benefits

Millennials the most restless; 1 in 4 work every day during vacations

Buying furniture: Almost as hard as buying a car (four decorating gotchas)

A sliver of good news for home shoppers -- all-cash buyers retreat, finally

The Cynja, Vol. 7: People could lose their money, their data, even their lives

Debt collector connected to huge hospital chain, Tenet, ignored billing dispute laws for years

Share your password with Mint, other apps? Who pays if you are hacked? Banks, law seem to disagree

PayPal agrees to change its robocalling / texting policy

Supreme Court ruling eliminates some 'cost of being gay' couple penalties

Expedia warns users about 'unauthorized access' of name, phone, email and booking info

Here's another infuriating reason it's a bad idea to co-sign a (private) student loan

The next fraud wave: When banks cash the same check twice, you might have to pay

The Cynja, Vol. 6: On the verge of letting the Internet slip into darkness

Avoid sleepless nights when bed shopping; how the Web helps with mattress-buying gotchas

A new, improved Do Not Call list -- FCC acts against robocalling, texting

A lesson from that Cardinals-Astros hack: Don't use old passwords at your new company

LastPass says accounts were compromised, but passwords not hacked

Banking-by-phone more popular than banking in person, study says; remote check deposit now a killer app

The Cynja, Vol. 5: Not all worms live in the garden

Renting: The new 'American Dream?'

FCC to PayPal: Robocalling/texting fine print raises 'serious concerns for the enforcement bureau'

You (probably) have a chip credit card by now. Why can't you use it anywhere?

Mortgage 'gotchas' make a comeback -- shopping around is your only defense

Now, it's your turn to be Big Brother -- what will you do?

The Cynja, Vol. 4: Another attack coming from a different vector

Feds hacked again -- 4 million employees' personal info at risk -- China blamed, but no evidence yet

Fine print alert: PayPal says it can robocall or robotext users, who can't opt out (check eBay's terms, too)

Cheap gas means you should be planning your summer road trip right now (like me!)

AP reports that FBI is behind mysterious aircraft flying surveillance missions above US cities

Test shows 97% fooled in phishing test; terrorists now using popular criminal hacking trick

The gender gap you haven't heard about: Women's emergency savings $36k vs. $58k for men

'Like drunks at a bar' -- From pet's names to passwords, we overshare online a lot

The Cynja, Vol. 3: Guardian of all things noble in cyberspace

For typical kids, 1,000 photos online before age 5

PayPal punished, but will consumers get justice? Behind every big settlements, there's 1,000 sad stories

IRS uh-oh: Criminals steal data on 100,000 taxpayers from agency's 'Get Transcript' online system

Debt collectors' new tactic: Scary text messages

The Cynja, Vol. 2: Hidden deep in cyber alleys

Starbucks value creation gift card hack adds money for nothing, hacker says; firm criticizes 'fraudulent activity'

AdultFriendFinder customers hacked, highly sensitive data leaked online

Even higher rents don't push Americans into buying homes -- 'a rock and a hard place'

Study: 9 in 10 Americans want privacy, but only 1 in 10 think they can get it

Long vacations being replaced by weekend getaways, and that's a shame (and unhealthy)

These cancer charities kept most of the millions they raised, states and FTC allege

Starbucks victim: 'I had to beg and plead to get my money back' -- also, new security questions

Out of context: FBI says researcher claims he hacked airliner's flight controls, but it's not that simple

Starbucks blaming passwords, victims doesn't fix the problem; burning questions about attack remain

The Cynja, Vol. 1: Digital Chaos is All Around Us

Welcome to the World of The Cynja®!

Attack of the giant phones; 'phablets' gobbling up market share

Was Amtrak train 188 running late? Schedule seems to suggest it was

EXCLUSIVE: Hackers target Starbucks mobile users, steal from linked credit cards without knowing account number

A tale of two Uber responses to transit crisis in NYC and DC; $2.75 vs. $34.18

It's moving season -- which means it's ripoff season

NYC bans credit checks for job applicants

Patriots staff 'guilty' - it's the text messages, always the text messages

Kansas refuses to be bullied by Uber; why does ride-share giant oppose background checks, insurance rules?

Study: Babies scrolling, clicking before they walk and talk

Surprise overdraft fees just aren't going away; bank fined for failing to obtain opt-ins and collecting $50 million

Photos, fingerprints, location info would finally be 'private' under new federal privacy law proposal

A nationwide sextortion reign of terror; and why the Net's worst crime might be closer than you think

Optimism about U.S. economy slips, again - it's 'swings and roundabouts'

Your childhood dies slowly, then, sometimes, all at once -- farewell, Fort Neverlose

Buying a home like walking on the Moon or crossing the Atlantic? Don't buy in

Free drinks that might be costly: Starbucks hit by massive point of sale terminal outage, speculation begins

7 million Americans lost their homes during the recession. Are they ready to buy again?

Firm that tracks shoppers' cell phones misled consumers, FTC says. Wait, I'm being tracked while shopping?

Apartment hunting? It's getting rough out there. Rents are up. So are scams.

'Man kills his computer'

Tell your boss your heart rate and sleep habits? That's where fitness bands, Apple Watch are headed

Feds warn planes can be hacked, then detain leading hack researcher; then United bans him. Brilliant!

Discover cards add on/off fraud-fighting feature called Freeze It

Don't let people Google your tax returns! Online backups are great, but...

No, you aren't to blame for crappy airlines; but guess who attracts the most complaints?

Cell phone use only a part of the distracted driving problem

CFPB follows the money, sues 'phantom' debt collector, its telecom providers, and its payment processors

Half of Americans spend half their money on food and shelter; a recipe for restlessness

Tax ID theft a nine-month red tape nightmare, on average

Starbucks free college offer now a 'grande' -- covers four years instead of two, with quicker reimbursement

Google's YouTube Kids app illegally advertises to children, consumer groups allege

New chip credit cards called 'a joke' -- lessons from Europe offer the punchline

What happens inside a debt collection firm when it's raided by the Feds

Half of mid-career unemployed workers forced to change fields, take less pay

The real reasons people use smartphones -- to avoid other people, and because they are bored

Something else for Uber users to fear -- driver tries to rob home after airport ride

New rules would (finally) place limits on payday loans, 'end debt traps'

'Secret' cell phone plans could save you 50%, so why are carriers embarrassed by them?

Your location has been shared 5,398 times .... 'Are you kidding me?'

Getting rich off car loans to the poor; as subprime market heats up, so do legal inquiries

ARCHIVE: Huge Eurobank, rated 'Britain's worst,' now accused of gouging US consumers

NYC joins list of cities hiding microphones so cops can listen to us

Why big data picks defense over offense in sports, and has your business on the defensive

A better way to buy and sell homes?

Young people are moving to places where homes are hard to buy, but they don't have to

Tales from debt collector boiler rooms -- 'put away the kids and the dogs'

Want money-smart kids? Let them see your credit card bills and portfolio, don't tie allowance to chores

No, getting a raise doesn't improve your credit score, and other widely-held misconceptions

DirecTV sued by FTC for Gotcha pricing; consumers faced either big price hikes or huge early termination fees

Are you forced to lie all day at work? Tell your boss that happy employees = happy stock price

ARCHIVE: 'I hate flat-out lying to someone, but that’s exactly what we do, 150 calls a day'

Credit bureaus promise to get better at handling disputes

David Brooks says education will fix America's broken economy; he's dangerously wrong

Pay higher-than-average property taxes? This map tells you (and who pays 7x the national rate?)

A billion wicked telemarketing calls -- 'free cruise' offers hit 12-15 million daily

Your move, Twitter: invest in decency or die -- Curt Schilling incident shows the real threat

The 8 places in the U.S. where life is affordable -- do you live there? Would you?

U.S. Android users targeted by clever malware; texts appear to come from friends

Scammer's revenge: Her phone number was plastered all over Trulia apartment listings

VIDEO: Latest reason to keep kid pics offline -- creepy 'digital kidnapping'

Don't click on that 'verify your account' email -- at least not right away

VIDEO: Yea! Net Neutrality passed and the dress is blue. Now, how about focusing on the real problem?

Even as minimum wage rises, college grads' pay falls -- and America hasn't gotten a raise in 35 years

Beneful lawsuit: Sure sounds scary, but pet owners should do their own research

You're saving a lot of money on gas -- perhaps $750 this year. Where's it going?

Here a score, there a score, everywhere a score...consumers confused, CFPB says

VIDEO: Inside Emily's "Oz," and how tech helps people with disabilities

Why aren't airline ticket prices falling along with fuel prices? A 'free' market lesson

Red Tape Archive: Why prices go up faster than they come down

VIDEO: Yes, your TV really may be watching you

Know the signs: Six horror stories of elder financial abuse (part 2 of a series)

The *real* secret to being sexy? Whispering sweet nothings....about money

A Valentine's reminder: most dating apps are vulnerable to hackers, IBM says

New Facebook 'legacy contact' feature lets bequeath control of your account after you die

The economy is growing, but only for the rich; will robots finish off the middle class?

Annoying quiz might stand between you and your tax return, thanks to ID thieves

Valentine's flower ads full of gotchas; price can be 50% higher than advertised

Smooching on your couch? SmartTV knows, and can tell anyone ... but don't blame Samsung!

Tax ID theft crisis: TurboTax 'pauses' state returns over fraud concerns

VIDEO: The Anthem hack, China, encryption, and what you can('t) do to protect yourself

How do you teach kids about money when 'money' is disappearing? Other lessons from The Opposite of Spoiled

Lessons from Anthem hack: Welcome to the post-Sony world; it's going to get ugly

What happens when you fall asleep and your 3-year-old takes 1,300 iPhone pictures? This!

Try doing your own taxes -- the 'pros' make plenty of mistakes, anyway

Scam-proof your kids while teaching compassion, the 'fun ratio,' and other tips from 'The Opposite of Spoiled'

The growing danger of elderly financial abuse; and why the risk begins at age 53

A Super (Bowl) lesson in market manipulation -- $10,000 tickets, and no one wins

We can name that 'anonymized' person with just three data points, researchers say

Burning question: What's the *right* balance to keep on a credit card?

A happy ending, and lessons from the layoff: Plan before the disaster, and be humble enough to ask for help

Comcast audit letters tell customers they must pay a monthly fee to rent modems they actually own

1 in 10 millennials pay nearly $400 in overdraft fees yearly

Frustrated by red tape when fighting credit report errors, many consumers just give up, FTC study suggests

The more you have, the less you trust technology; growing gap between rich and poor nations

Schools once again assert right to demand students' social media passwords

Fake debt scams on the rise; now among top complaints nationwide, says consumer group

Citi joins Discover, now offering free credit scores to cardholders

Progressive responds to accusation that Snapshot uses 'no security technologies whatsover'

The 6 reasons Ubernomics could be fatal to itself, its customers, and mass transit

The better your credit score, the faster it falls; explaining credit score 'damage points'

Watch out students; now bad-deal debit cards are invading college campuses

Free credit scores for everyone! That's (kinda, sorta) great! But it's also confusing

What happens when you answer a text offering 'designer' handbags or shoes?

Smartphones are making your kids lose sleep, and might be making them obese

British couple off the hook for baby's $200k bill, but what about you? Have a red tape health care nightmare?

New, dangerous computer virus uses an old trick you've probably forgotten about

NoMoPhobia, iPhone separation anxiety, and why your mobile might raise your blood pressure

Dealing with debt collectors: A simple Do's and Don'ts list

Best 2015 resolution: Stop working more than 50 hours a week! It's a waste of (everyone's) time

As Comcast hikes lease fees 25 percent, Dish reveals new $20-per-month Net-only plan -- with ESPN

'Debt laundering' is the latest controversial debt collector tactic: Try, try, try again