Picking a cell phone plan

Mobile technology has rapidly revolutionized our ability to access information and communicate, from anywhere. Unfortunately, phone bills have also rapidly increased, sometimes without delivering more value to the consumer—a mobile plan can easily cost over $100 per month before additional fees and charges. Fortunately, there is a lot you can do as a consumer to cut your bill down to size.

  1. Check your bill for unknown charges. The Federal Trade Commission recently took legal action against a company alleged to have taken in millions of dollars by billing for a service that mobile phone users had not requested. The practice is called “cramming;” a third-party company tells a mobile provider that a consumer has authorized charges for a service from the third-party. In reality, the consumer has not requested the service or authorized charges, and may be completely unaware that they are being charged by a third-party vendor. Protect yourself by checking your monthly statement for additional or unknown charges. You should also be careful about providing your phone number online. If your bill has been crammed, contact your mobile provider and file a complaint with the Federal Trade Commission.1,2
  2. Get help shopping for the best plan. There are hundreds of possible combinations of minutes, carriers, and features. The comparison tool at billshrink.com can help you find the best service for the lowest price, personalized to include the details of your usage patterns.
  3. Don't sign up for another long-term contract. The total cost of buying a phone and then purchasing a pre-paid plan is a fraction of the cost you will incur over the course of a two-year contract that comes with a “free” phone. Recently, the major carriers introduced pre-paid plans for iPhone and Android devices, meaning you won't have to sacrifice quality. If you can afford to buy the phone up-front, you will save big in the long run.3
  4. If you sign up for a contract, use the 15-30 day trial period to test your phone and service. All long-term mobile contracts have a period during which you can cancel your contract without an Early Termination Fee (ETF). Test your service at home, work, the store, and any other place you frequent. Test the apps and features to make sure that you like the OS, configuration options, and anything else that you care about. If it doesn't meet you needs, you've got a get-out-of-jail-free card for the first two weeks—check with your mobile provider to find out if you have a longer trial period.
  5. If you don't like your long-term contract, try to get out early without paying the ETF. If your carrier changes your contract terms (e.g. text message prices or administrative fees), you may have legal grounds to cancel the contract. You can also make someone else responsible for your contract, swapping out yours for theirs at cellswapper.com, celltradeusa.com, cellplandepot.com, or trademycellular.com. If you think you have a good justification to end service, like unemployment or military deployment, try customer service and escalate by asking to speak with higher level authorities until you get the answer you want. 
  6. Don't settle for a bad signal. Start by checking to see if your carrier thinks that you should have reception at www.cellreception.com. Walk around your area to check the size of the dead zone. It may be easier to gauge if you change your phone's signal setting to give you a numerical rating for your signal. Next, complaint to your service provider—if the issue is bad enough, they may provide you with a signal boosting device at no additional charge. Bad signal strength could also give you leverage if you'd prefer to find a new carrier.  

 

Sources:

  1.  FTC “Is Your Mobile Bill a Cram Sandwich?”: http://www.consumer.ftc.gov/blog/your-mobile-bill-cram-sandwich 
  2.  FTC Files Its First Case Against Mobile Phone “Cramming”: http://www.ftc.gov/opa/2013/04/wisemedia.shtm 
  3.  NYT Blog: http://bits.blogs.nytimes.com/2012/08/02/prepaid-phone-plans/ 

Issue updates

News Release | U.S. PIRG Education Fund | Public Health, Consumer Protection

Tyson chicken strips recalled, may contain pieces of metal

Just seven weeks after Tyson Foods recalled chicken nuggets that could contain rubber, the poultry giant is recalling chicken strips that might contain metal. 

> Keep Reading
News Release | U.S. PIRG Education Fund | Consumer Protection

Boeing Max planes have ‘optional’ safety mechanisms

Newly-revealed details by the New York Times about of the crash of two Boeing 737 Max 8 planes may stun even the most hardened observer. The planes lacked a safety feature that may have warned pilots about problems because it was not required and Boeing charged airlines extra to include it. Adam Garber, U.S. PIRG Education Fund Consumer Watchdog issued the following statement.

> Keep Reading
News Release | WISPIRG | Consumer Protection

Statement: U.S. Consumer Bureau gives payday debt traps its seal of approval

The Consumer Financial Protection Bureau (CFPB) today released a proposal for gutting its own payday lending borrower protections, which were originally set to go into effect this August. “The Consumer Financial Protection Bureau, under Director Kathy Kraninger, has officially given payday debt traps its seal of approval," said WISPIRG Director Peter Skopec. "Today’s proposal is a reckless rubber-stamping of predatory lending."

> Keep Reading
News Release | U.S. PIRG Education Fund | Consumer Protection

Fiat Chrysler Settlement Fails to Protect Consumers

While we are glad that Fiat Chrysler is paying something for damaging the health of Americans and deceiving customers, this settlement does not go far enough. It neither ensures these violations of the public trust won’t happen again nor makes consumers whole.

> Keep Reading
Report | WISPIRG Foundation | Consumer Protection

Trouble in Toyland

Toys are safer than ever before, thanks to decades of work by product safety advocates, parents, the leadership of Congress, state legislatures, and the Consumer Product Safety Commission (CPSC).

> Keep Reading

Pages

News Release | U.S. PIRG Education Fund | Public Health, Consumer Protection

Tyson chicken strips recalled, may contain pieces of metal

Just seven weeks after Tyson Foods recalled chicken nuggets that could contain rubber, the poultry giant is recalling chicken strips that might contain metal. 

> Keep Reading
News Release | U.S. PIRG Education Fund | Consumer Protection

Boeing Max planes have ‘optional’ safety mechanisms

Newly-revealed details by the New York Times about of the crash of two Boeing 737 Max 8 planes may stun even the most hardened observer. The planes lacked a safety feature that may have warned pilots about problems because it was not required and Boeing charged airlines extra to include it. Adam Garber, U.S. PIRG Education Fund Consumer Watchdog issued the following statement.

> Keep Reading
News Release | WISPIRG | Consumer Protection

Statement: U.S. Consumer Bureau gives payday debt traps its seal of approval

The Consumer Financial Protection Bureau (CFPB) today released a proposal for gutting its own payday lending borrower protections, which were originally set to go into effect this August. “The Consumer Financial Protection Bureau, under Director Kathy Kraninger, has officially given payday debt traps its seal of approval," said WISPIRG Director Peter Skopec. "Today’s proposal is a reckless rubber-stamping of predatory lending."

> Keep Reading
News Release | U.S. PIRG Education Fund | Consumer Protection

Fiat Chrysler Settlement Fails to Protect Consumers

While we are glad that Fiat Chrysler is paying something for damaging the health of Americans and deceiving customers, this settlement does not go far enough. It neither ensures these violations of the public trust won’t happen again nor makes consumers whole.

> Keep Reading
News Release | U.S. PIRG Education Fund | Consumer Protection

Popular toys contain toxics and other hazards

This holiday season, watch out for dangerous and toxic toys. U.S. PIRG’s 33rd annual Trouble in Toyland report found toxic amounts of boron, which can cause nausea, vomiting and other health issues, in slime products as well as fining that Amazon failed to appropriately label choking hazards.

> Keep Reading

Pages

Report | WISPIRG Foundation | Consumer Protection, Financial Reform

Stop Payday Predators

Payday loans are among the most predatory forms of credit on the market. Though they are marketed as having “reasonable” fees or charges, typical interest rates exceed 300 percent. And because the payday lenders’ bottom line actually depends on borrowers’ inability to repay — most payday fees come from borrowers who take out more than 10 loans a year — they target people with low incomes and no other options.

> Keep Reading
Report | WISPIRG Education Fund | Consumer Protection

Trouble in Toyland 2015

For 30 years, the WISPIRG Foundation has conducted an annual survey of toy safety, which has led to over 150 recalls and other regulatory actions over the years, and has helped educate the public and policymakers on the need for continued action to protect the health and wellbeing of children.

> Keep Reading
Report | WISPIRG Foundation | Consumer Protection

The Security Freeze

The first defense against any kind of identity theft is to be vigilant about protecting your personal information by taking steps like creating secure passwords, installing anti-virus and anti-malware software, and shredding personal documents. (See Appendix A for more tips on protecting your personal information.) However, if and when someone does steal enough of your information to commit identity theft, there is really only one type that you can stop before it happens: New account identity theft, where someone opens a new account in your name.

> Keep Reading
Report | WISPIRG Foundation | Consumer Protection

Trouble in Toyland 2014

Among the toys surveyed this year, we found numerous choking hazards and five toys with concentrations of toxics exceeding federal standards. In addition to reporting on potentially hazardous products found in stores in 2014, this installment of the report describes the potential hazards in toys and children’s products.

> Keep Reading
Report | WISPIRG Foundation | Consumer Protection

Trouble in Toyland

The 2013 Trouble in Toyland report is the 28th annual Wisconsin Public Interest Research Group (WISPIRG) survey of toy safety. In this report, WISPIRG provides safety guidelines for consumers when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards.

> Keep Reading

Pages

Blog Post | Consumer Protection

30 Years of "Trouble in Toyland," 30 Years of Safety Improvements | Anna Low-Beer

Every year, U.S. PIRG Education Fund releases Trouble in Toyland, a report on toy safety which examines toys bought at major national retailers, looking for safety hazards including toxic toys, choking hazards, labeling violations, powerful magnets, and excessibely loud toys. We continue to find these hazards on store shelves, which indicates the need for continued vigilance and adequate enforcement of safety regulations. But despite lingering dangers, in the last 30 years, we've come a long way in terms of both policy and compliance with standards.

> Keep Reading
Blog Post | Consumer Protection

Event 5/11 re new book on black box decisionmaking & consumers | Ed Mierzwinski

UPDATED TO CONFIRM CFPB Speaker. We are hosting an event Monday, 5/11, from 9am-noon ET to discuss a new book, The Black Box Society, with author Frank Pasquale. Click Keep Reading to RSVP to attend in person or to watch the livestream. While credit bureaus have long functioned as black box gatekeepers to opportunity, panelists will discuss the growing use of more and more, even less transparent black boxes to categorize consumers in the digital economy.

> Keep Reading
Blog Post | Consumer Protection

On Veterans Day, How The CFPB Helps Veterans, and All of Us | Ed Mierzwinski

Columnist George Will recently (and not for the first time) urged Congress to “abolish the Consumer Financial Protection Bureau.” His reasons may seem to come from his conservative philosophy, but merely pander to the powerful Wall Street interests that left our economy in ruins just a few years ago. As a counterbalance, let’s discuss some recent speeches and statements by CFPB Director Richard Cordray on his vision for the bureau and some of its current work, including – on this Veteran’s Day – its efforts to protect military families from financial predators.

> Keep Reading
Blog Post | Consumer Protection

These are 10 of many reasons we need the CFPB! | Bruce Speight

For the first time, a federal financial agency has placed consumers at the center of its work. That agency, the Consumer Financial Protection Bureau (CFPB), turns one year old on July 21, 2012.  Here are 10 of many reasons we need the CFPB.

> Keep Reading

Pages

News Release | U.S. PIRG

Everyone should assume that their social security number has been exposed between this breach and breaches of other major companies’ databases, such as Equifax’s. With that in mind, U.S. PIRG recommends all Americans should use their right by law to freeze their credit reports for free

News Release | U.S. PIRG Education Fund

Our response to Equifax paying a $650 million penalty for exposing the social security numbers of 148 million Americans to identity theft.

News Release | U.S. PIRG Education Fund

Fisher-Price recalled 4.7 million Rock n’Play baby sleepers on Friday. U.S. PIRG Consumer Watchdog Adam Garber issued a response: "“While we’re pleased that Fisher-Price is finally recalling these dangerous sleepers, 30 deaths in 10 years is 30 deaths too many and 10 years too late."

News Release

Read U.S. PIRG's statement on Wells Fargo eliminating some fees for student on debit cards.

News Release | U.S. PIRG Education Fund

Henry Avocado Corporation is recalling avocados potentially contaminated with the deadly listeria bacteria. Adam Garber, U.S. PIRG said in a statement: “We are barely getting a chance to breath between recalls."

View AllRSS Feed

Support Us

Your tax-deductible donation supports WISPIRG Foundation's work to educate consumers on the issues that matter, and to stand up to the powerful interests that are blocking progress.

Learn More

You can also support WISPIRG Foundation’s work through bequests, contributions from life insurance or retirement plans, securities contributions and vehicle donations.