In the last
few years, smartphones and tablets have become the norm for cellular and
wireless communication. Since these devices are essentially portable computers,
bill payment, money transfers and online purchases have and will continue to
become more and more common. Unfortunately, it follows that crooked schemes
will become more common as well. Even placing a classified advertisement will
almost invariably attract someone trying to cheat you out of your money.
So, what is
cramming? Simply put, cramming is placing fraudulent charges on your phone
bills, but, with legitimate charges appearing there too. Your phone
bill might look more like a credit card statement than a phone bill. You need
to take steps to keep from getting ripped off with phony charges. It’s
important to review your bills every month for these kinds of scams.
Some will be
obvious and easily disputed, but you may see other, non-specific charges such
membership fee, service charge or fee or other charges that somewhat specific
but vague such as charges for “international” calls, horoscopes or ringtones,
premium texting, celebrity gossip etc. that are suspicious or unknown to you.
What can you
do about it?
First, you
should know exactly what you are paying for every month. Find the legitimate
charges on your bill and make a written list of recurring charges and how much
they are – Xbox, gaming memberships and any charge that you know will be on
there every month. Now you have a benchmark to compare against. Most cramming
charges are small, 2 or 3 dollars a month, but if you don’t catch them, you
might pay them for years. You should investigate any charge you are unsure
about and ask for an explanation from your telecom service provider, and if it is a
bogus charge have the provider remove it from the bill. You might also need to
contact the company that assessed the charge to have it removed. Or, if you pay
your bill with a credit card, there may be some recourse there. Be sure to note
the full name, date and time of everyone you talk to as will be important if
you have to open a case with your state public utilities commission or the FCC
if it is a telephone service issue or the Federal Trade Commission if it is not a telecom service
related charge if you are unable to resolve the issue.