Fraud and Identity Theft Complaints Received (2005)

Fraud and Identity Theft Complaints Received

by the Federal Trade Commission

from Consumers Age 50 and Over

Federal Trade Commission

May 2006

TABLE OF CONTENTS

Report Subject

Page No.

Introduction. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

Executive Summary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Sentinel Complaint Figures for Consumers Age 50 and Over

Sentinel Complaints by Calendar Year. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

Sentinel Top Complaint Categories . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

Sentinel Fraud Complaints for Consumers Age 50 and Over

Three-Year Figures

Number of Fraud Complaints & Amount Paid. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

Methods of Payment Reported by Consumers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Company’s Method of Contacting Consumers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Total Number of Internet-Related Fraud Complaints & Amount Paid. . . . . . . . . . . . . . . . . 10

Methods of Payment for Internet-Related Fraud Complaints. . . . . . . . . . . . . . . . . . . . . . . . 11

Calendar Year 2005

Number of Fraud Complaints & Amount Paid by Consumers’ State

for United States Consumers Only.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

Number of Fraud Complaints & Amount Paid by Sentinel Top Complaint Categories. . . . 13

Number of Fraud Complaints & Amount Paid by Age Range

and Sentinel Top Complaint Categories . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

Sentinel Identity Theft Complaints for Consumers Age 50 and Over

Three-Year Figures

Identity Theft Complaints by Victim Age . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15

How Identity Theft Victims’ Information In Misused . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

Identity Theft Victim Law Enforcement Contact. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17

Page 1 of 95

Federal Trade Commission

Released May 12, 2006

TABLE OF CONTENTS

Report Subject

Page No.

Appendices

Appendix A: The Sentinel Network

Description of the Sentinel Network . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . .

Sentinel Major Data Contributors . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . .

Appendix B: Description of the Sentinel Complaint Categories . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Appendix C: Number of Sentinel Fraud Complaints from United States Consumers

Reporting Age 50 and Over by Consumers’ State, Age Range, and Calendar Year . . . . . . . . . . . . .

Appendix D: Top Sentinel Fraud Complaint Categories

for United States (U.S.) Consumers Reporting Age 50 and Over by Calendar Year. . . . . . . . . . . . .

for U.S. Consumers Reporting Age 50 and Over by Consumer Age Range . . . . . . . . . . . . . . . . . .

for U.S. Consumers Reporting Age 50 and Over by Consumer State. . . . . . . . . . . . . . . . . . . . . . .

Appendix E: Number of Sentinel Identity Theft (IDT) Complaints from United States

Consumers Reporting Age 50 and Over by Consumers’ State, Age Range, and Calendar Year . . . . .

Appendix F: Number of Sentinel Identity Theft (IDT) Complaints by Theft Type

for United States (U.S.) Consumers Reporting Age 50 and Over by Calendar Year. . . . . . . . . . . . .

for U.S. Consumers Reporting Age 50 and Over by Consumer Age Range .. . . . . . . . . . . . . . . . . .

for U.S. Consumers Reporting Age 50 and Over by Consumer State . . . . . . . . . . . . . . . . . . . . . .

Page 2 of 95

18

19

20

21

33

34

36

64

75

76

77

Federal Trade Commission

Released May 12, 2006

INTRODUCTION

Consumer Sentinel

Leading

Partners

& Data Contributors

Between January and December 2005, Consumer Sentinel, the

complaint database developed and maintained by the FTC,

received over 695,000 consumer fraud and identity theft

complaints. Consumers reported losses from fraud of more

than $680 million. The reports in this booklet analyze those

complaints received from consumers reporting age 50 and

over (155,719).

Consumer Sentinel collects information about consumer fraud

and identity theft from the FTC and over 150 other

organizations and makes it available to law enforcement

partners across the nation and throughout the world for use in

their investigations. Launched in 1997, the Sentinel database

now includes over three million complaints. Some data

transfers from other organizations contain complaints from

previous months and have not yet been received.

Accordingly, the total number of complaints reflected in this

report may increase over the course of the next few months.

The addition of complaints from other data contributors is also

reflected in the larger totals from previous years than were

reported in earlier FTC reports.

For more information about Consumer Sentinel, as well

as information about consumer fraud and identity theft,

visit the Consumer Sentinel public website at

www.consumer.gov/sentinel. If you represent a law

enforcement organization, call (202) 326-3196 or e-mail

sentinel@ftc.gov for membership information.

Australian Competition

and Consumer

Commission

Better Business

Bureaus

Department of

Defense

Federal Bureau

of Investigation

Federal Trade

Commission

Internet Crime

Complaint Center

National Association

of Attorneys General

National Consumers

League

Canada’s

Phonebusters

Social Security

Administration

U.S. Postal

Inspection Service

U.S.

Secret Service

The Consumer Sentinel Network (For detailed description and data contributors, see Appendix A, pp. 18-19)

www.consumer.gov/sentinel

www.consumer.gov/ idtheft

www.econsumer.gov

Page 3 of 95

www.consumer.gov/ military

Federal Trade Commission

Released May 12, 2006

Executive Summary

Federal Trade Commission (FTC)

Fraud and Identity Theft Complaints Received by the FTC from Consumers Age 50 and Over

Of the 696,239 Consumer Sentinel complaints received during calendar year (CY) 2005, 81% (564,385) of

consumers reported their age. Fraud and identity theft complaints from consumers age 50 and over

represented 28% (155,719) of those CY-2005 Sentinel complaints where consumers reported their age.

Fraud

<64% (99,135) of Consumer Sentinel complaints from consumers age 50 and over were fraudrelated.

<CY-2005 Top Fraud Complaint Categories for Consumers Age 50 and Over:

Foreign Money Offers (10% of Sentinel complaints from consumers age 50 and over)

Prizes/Sweepstakes and Lotteries (9%)

Internet Auctions (9%)

Internet Services and Computer Complaints (6%)

Shop-at-Home/Catalog Sales (6%)

Telephone Services (3%)

Business Opportunities and Work-at-Home Plans (2%)

•

Consumers age 50 and over reported fraud losses of over $184 million; the median monetary loss

was $398.

•

Internet-related complaints accounted for 37% of all reported fraud complaints from consumers age

50 and over, with monetary losses of over $72 million and a median loss of $300.

•

Some 45% of fraud complaints from consumers age 50 and over where the company's method of

initial contact was reported indicate Internet solicitations – 28% by electronic mail and 17%

through an Internet web site.

Identity Theft

•

36% (56,584) of the Consumer Sentinel complaints from consumers age 50 and over were identity

theft-related.

•

Credit card fraud (34%) was the most common form of reported identity theft followed by bank

fraud (18%), and phone or utilities fraud (15%).

Page 4 of 95

Federal Trade Commission

Released May 12, 2006

Sentinel Complaints from Consumers Age 50 and Over

by Calendar Year1

175

147,875

- Fraud Complaints

150

(in thousands)

155,719

- Identity Theft Complaints

109,416

125

35%

51,625

65%

96,250

36%

56,584

64%

99,135

100

41%

75

44,531

50

59%

25

64,885

0

CY-2003

CY-2004

CY-2005

1Percentages are based on the total number of Sentinel complaints from consumers age 50 and over by calendar year.

These figures exclude “Do Not Call” registry complaints. Percentage of consumers reporting age in all Sentinel complaints:

a) Fraud complaints: CY-2003 = 66%, CY-2004 = 78%, and CY-2005 = 73%

b) Identity theft complaints: CY-2003 = 92%, CY-2004 = 95%, and CY-2005 = 95%.

Fraud Complaints

from Consumers Age 50 and Over by Calendar Year2

(Excluding Identity Theft)

125

99,135

96,250

(in thousands)

100

75

64,885

50

41%

41%

59%

37%

36,834

26,657

59%

25

39,153

57,097

Internet-Related

Fraud Complaints

63%

Other Fraud

Complaints

62,301

38,228

0

CY-2003

CY-2004

CY-2005

2Percentages are based on the total number of Sentinel fraud complaints from consumers age 50 and over by calendar year.

Page 5 of 95

Federal Trade Commission

Released May 12, 2006

Sentinel Top Complaint Categories

for Consumers Age 50 and Over1

January 1 – December 31, 2005

Business Opps and

Work-at-Home Plans

2%

Telephone Services

3%

Shop-at-Home/

Catalog Sales

6%

Others

19%

Identity Theft

36%

Internet Services and

Computer Complaints

6%

Internet Auctions

9%

Prizes/Sweepstakes

and Lotteries

9%

Foreign Money Offers

10%

1Percentages are based on the total number of Sentinel complaints (155,719) received from consumers reporting age 50 and over

between January 1 and December 31, 2005. For Sentinel category descriptions, see Appendix B.

Page 6 of 95

Federal Trade Commission

Released May 12, 2006

Total Number of Fraud Complaints & Amount Paid

For Consumers Reporting Age 50 and Over

Calendar Years 2003 through 2005

CY

Total No. of

Complaints

Complaints

Reporting

Amount Paid

Percentage of

Complaints Reporting

Amount Paid

Amount Paid

Reported

Average

1

Amount Paid

Median

2

Amount Paid

2003

2004

2005

64,885

96,250

99,135

47,766

70,268

62,466

74%

73%

63%

$126,807,559

$152,517,738

$184,907,573

$2,655

$2,171

$2,960

$298

$299

$398

1Average is based on the total number of consumers age 50 and over who reported amount paid for each calendar year:

CY-2003 = 47,766; CY-2004 = 70,268; and CY-2005 = 62,466. Fourteen consumers reported an amount paid of $1 million or

more during CY-2005; 12 and 9 consumers for CY-2003 and CY-2004, respectively.

2Median is the middle number in a set of numbers so that half the numbers have values that are greater than the median and

half have values that are less. Calculation of the median excludes complaints with amount paid reported as $0.

Distribution of Fraud Complaints by Reported Amount Paid

For Consumers Reporting Age 50 and Over

Calendar Years 2003 through 2005

CY - 2003

Amount Paid

CY - 2004

3

Complaints Percentages

CY - 2005

3

3

Complaints Percentages Complaints Percentages

$0

12,957

27%

24,397

35%

22,237

36%

$1 - 25

3,645

8%

4,844

7%

4,074

7%

$26 - 50

4,281

9%

4,718

7%

3,938

6%

$51 - 75

2,112

4%

2,797

4%

1,993

3%

$76 - 100

1,824

4%

2,445

3%

1,883

3%

$101 - 250

4,754

10%

6,790

10%

5,362

9%

$251 - 500

4,102

9%

5,874

8%

4,605

7%

$501 - 1,000

3,739

8%

4,795

7%

4,281

7%

$1,001 - 5,000

7,880

16%

10,338

15%

10,196

16%

More than $5,000

2,472

5%

3,270

5%

3,897

6%

3Percentages are based on the total number of consumers age 50 and over who reported amount paid for each calendar

year: CY-2003 = 47,766; CY-2004 = 70,268; and CY-2005 = 62,466.

Page 7 of 95

Federal Trade Commission

Released May 12, 2006

Methods of Payment Reported by Consumers

Age 50 and Over1

January 1 - December 31, 2005

50%

40%

34%

30%

21%

21%

20%

10%

9%

10%

3%

2%

0%

Bank Cash/Cash Check

Account Advance

Debit

Credit

Cards

Money Telephone Wire

Order

Bill

Transfer

Methods of Payment Reported by Consumers

Age 50 and Over

Calendar Years 2003 through 2005

CY - 2003

CY - 2004

1

CY - 2005

1

1

Payment Method Complaints Percentages Amount Paid Complaints Percentages Amount Paid Complaints Percentages Amount Paid

Bank Account Debit

2,377

17%

$3,544,130

3,582

21%

$7,333,478

3,184

21%

$6,067,021

Cash/Cash Advance

358

3%

$1,965,138

548

3%

$3,161,322

440

3%

$4,099,276

Check

3,536

26%

$23,972,954

3,713

22%

$26,361,307

3,105

21%

$29,089,567

Credit Cards

5,024

36%

$7,307,772

5,212

31%

$7,724,889

5,068

34%

$9,751,885

Money Order

1,321

10%

$1,449,955

1,823

11%

$3,991,170

1,317

9%

$2,033,463

Telephone Bill

340

2%

$56,528

517

3%

$120,008

356

2%

$265,472

Wire Transfer

807

6%

$21,961,669

1,260

8%

$17,259,969

1,499

10%

$23,644,080

Total Reporting

13,763

16,655

14,969

Payment Method

1Percentages are based on the total number of fraud complaints for each calendar year where consumers age 50 and over reported the

method of payment: CY-2003 = 13,763; CY-2004 = 16,655; and CY-2005 = 14,969. 15% of the consumers age 50 and over reported

this information during CY-2005, 21% and 17% for CY-2003 and CY-2004, respectively.

Page 8 of 95

Federal Trade Commission

Released May 12, 2006

Company’s Method of Contacting Consumers

Age 50 and Over1

January 1 - December 31, 2005

Internet - E-mail

28%

Internet - Web

Site/Others

17%

19%

Mail

14%

Phone

24%

Others

Company’s Method of Contacting Consumers

Age 50 and Over

Calendar Years 2003 through 2005

CY-2003

Contact Method

CY-2004

1

Complaints Percentages

CY-2005

1

Complaints Percentages

1

Complaints Percentages

Internet - E-mail

12,016

22%

20,000

26%

20,356

28%

Internet - Web Site/Other

11,046

20%

13,515

18%

12,170

17%

Mail

8,203

15%

12,617

16%

13,583

19%

Phone

8,553

15%

11,857

15%

9,984

14%

Others

15,782

28%

19,134

25%

17,251

24%

Total Reporting Contact

Method

55,600

77,123

73,344

1Percentages are based on the total number of fraud complaints for each calendar year where company’s method of initial

contact was reported by consumers age 50 and over: CY-2003 = 55,600; CY-2004 = 77,123; and CY-2005 = 73,344. 74%

of consumers reported this information during CY-2005, 86% and 80% for CY-2003 and CY-2004, respectively.

Page 9 of 95

Federal Trade Commission

Released May 12, 2006

Internet-Related

Fraud Complaints

Definition of “Internet-related”: A fraud complaint is

“Internet-related” if: it concerns an Internet product or

service, the company initially contacts the consumer via

the Internet, or the consumer responds via the Internet.

Total Number of Internet-Related Fraud Complaints

& Amount Paid for Consumers Reporting Age 50 and Over

Calendar Years 2003 through 2005

CY

Total No. of

Complaints

Complaints

Reporting

Amount Paid

Percentage of

Complaints Reporting

Amount Paid

Amount Paid

Reported

Average

1

Amount Paid

Median

2

Amount Paid

2003

2004

2005

26,657

39,153

36,835

22,257

34,084

29,863

83%

87%

81%

$27,543,172

$43,626,544

$72,277,596

$1,238

$1,280

$2,420

$200

$200

$300

1Average is based on the total number of consumers age 50 and over who reported amount paid for each calendar year:

CY-2003 = 22,257; CY-2004 = 34,084; and CY-2005 = 29,863. Five consumers reported an amount paid of $1 million or

more during CY-2005; 1 and 2 consumers for CY-2003 and CY-2004, respectively.

2Median is the middle number in a set of numbers so that half the numbers have values that are greater than the median and

half have values that are less. Calculation of the median excludes complaints with amount paid reported as $0.

Distribution of Internet-Related Fraud Complaints by Reported

Amount Paid for Consumers Reporting Age 50 and Over

Calendar Years 2003 through 2005

CY - 2003

Amount Paid

CY - 2004

3

Complaints Percentages

CY - 2005

3

3

Complaints Percentages Complaints Percentages

$0

5,928

27%

9,961

29%

8,027

27%

$1 - 25

1,756

8%

2,611

8%

2,033

7%

$26 - 50

2,045

9%

2,745

8%

2,282

8%

$51 - 75

1,252

6%

1,809

5%

1,288

4%

$76 - 100

1,018

5%

1,506

4%

1,160

4%

$101 - 250

2,797

13%

4,443

13%

3,481

12%

$251 - 500

2,270

10%

3,384

10%

2,700

9%

$501 - 1,000

1,986

9%

2,787

8%

2,680

9%

$1,001 - 5,000

2,518

11%

3,761

11%

4,707

16%

More than $5,000

687

3%

1,077

3%

1,505

5%

3Percentages are based on the total number of consumers age 50 and over who reported amount paid for

each calendar year: CY-2003 = 22,257; CY-2004 = 34,084; and CY-2005 = 29,863.

Page 10 of 95

Federal Trade Commission

Released May 12, 2006

Internet-Related

Fraud Complaints

Definition of “Internet-related”: A fraud complaint is

“Internet-related” if: it concerns an Internet product or

service, the company initially contacts the consumer via

the Internet, or the consumer responds via the Internet.

Methods of Payment for Internet-Related Fraud Complaints

Reported by Consumers Age 50 and Over1

January 1 - December 31, 2005

50%

44%

40%

30%

20%

20%

12%

10%

9%

10%

2%

1%

0%

Bank Cash/Cash

Account Advance

Debit

Check

Credit

Cards

Money Telephone Wire

Order

Bill

Transfer

Methods of Payment for Internet-Related Fraud

Complaints Reported by Consumers Age 50 and Over

Calendar Years 2003 through 2005

CY-2003

CY-2004

1

Payment Method Complaints Percentages

Bank Accont Debit

902

17%

Cash/Cash Advance

70

1%

Check

746

14%

Credit Cards

2,410

47%

Money Order

640

12%

Telephone Bill

138

3%

Wire Transfer

261

5%

Total Reporting

5,167

Payment Method

CY-2005

1

Amount Paid Complaints Percentages

$628,682

1,017

18%

$133,493

92

2%

$1,473,199

753

14%

$1,908,430

2,381

43%

$665,911

597

11%

$24,550

309

6%

$1,634,572

375

7%

5,524

1

Amount Paid Complaints Percentages

$1,180,300

1,137

20%

$259,856

77

1%

$4,044,866

702

12%

$2,414,010

2,461

44%

$483,723

583

10%

$92,575

107

2%

$1,919,152

509

9%

Amount Paid

$1,261,298

$252,578

$3,146,547

$2,367,473

$834,086

$25,896

$5,023,001

5,576

1Percentages are based on the total number of internet-related fraud complaints for each calendar year where consumers age 50 and over

reported the method of payment: CY-2003 = 5,167; CY-2004 = 5,524; and CY-2005 = 5,576. 15% of the consumers age 50 and over

reported this information during CY-2005, 19% and 14% for CY-2003 and CY-2004, respectively.

Page 11 of 95

Federal Trade Commission

Released May 12, 2006

Number of Fraud Complaints & Amount Paid from United States Consumers Age 50 and Over

by Consumers’ State

January 1 - December 31, 2005

Consumer State

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44

45

46

47

48

49

50

51

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

Total No. of

Complaints

Complaints

Reporting

Amount Paid

Percentage of

Complaints Reporting

Amount Paid

1,284

256

2,564

513

12,825

1,903

1,072

300

292

7,241

2,439

491

440

3,064

2,064

566

737

926

911

445

2,188

1,620

3,092

1,248

517

1,631

345

441

1,083

509

2,325

600

4,714

2,215

114

3,289

1,004

1,672

3,798

279

2,893

145

1,565

5,705

722

181

2,719

2,936

466

1,404

142

797

167

1,591

325

8,328

1,019

737

220

191

4,575

1,635

353

305

2,102

1,374

373

479

608

617

269

1,354

1,061

1,945

816

366

1,136

240

329

736

332

1,618

395

3,230

1,362

82

2,164

685

1,014

2,675

177

751

99

986

3,582

436

127

1,771

1,830

336

879

96

62%

65%

62%

63%

65%

54%

69%

73%

65%

63%

67%

72%

69%

69%

67%

66%

65%

66%

68%

60%

62%

65%

63%

65%

71%

70%

70%

75%

68%

65%

70%

66%

69%

61%

72%

66%

68%

61%

70%

63%

26%

68%

63%

63%

60%

70%

65%

62%

72%

63%

68%

Amount Paid

Reported

$1,183,407

$171,813

$3,555,362

$439,046

$22,983,539

$2,079,917

$1,542,202

$574,060

$225,747

$11,619,405

$2,716,545

$491,191

$1,210,855

$5,975,949

$2,634,974

$679,744

$898,959

$1,541,246

$1,480,733

$660,258

$2,116,896

$2,638,205

$2,864,370

$2,243,702

$634,867

$2,206,971

$538,340

$445,698

$1,923,918

$3,605,960

$3,392,078

$1,920,456

$10,295,989

$3,191,261

$93,806

$3,959,800

$1,301,271

$17,140,860

$5,257,079

$161,088

$1,928,285

$183,963

$4,114,160

$14,943,596

$1,314,294

$389,989

$4,428,766

$4,327,586

$1,218,574

$2,879,297

$72,991

Average

1

Amount Paid

Median

2

Amount Paid

$1,485

$1,029

$2,235

$1,351

$2,760

$2,041

$2,093

$2,609

$1,182

$2,540

$1,661

$1,391

$3,970

$2,843

$1,918

$1,822

$1,877

$2,535

$2,400

$2,454

$1,563

$2,487

$1,473

$2,750

$1,735

$1,943

$2,243

$1,355

$2,614

$10,861

$2,096

$4,862

$3,188

$2,343

$1,144

$1,830

$1,900

$16,904

$1,965

$910

$2,568

$1,858

$4,173

$4,172

$3,014

$3,071

$2,501

$2,365

$3,627

$3,276

$760

$500

$297

$590

$434

$425

$440

$324

$357

$300

$329

$368

$408

$400

$535

$315

$379

$500

$400

$597

$397

$348

$500

$468

$483

$501

$548

$488

$398

$443

$298

$270

$545

$365

$395

$525

$389

$500

$289

$351

$325

$500

$450

$300

$400

$398

$221

$374

$479

$400

$300

$205

1Average is based on the total number of consumers who reported amount paid for each state.

2Median is the middle number in a set of numbers so that half the numbers have values that are greater than the median and half have values that are less. Calculation of the median

excludes complaints with amount paid reported as $0.

Note: Thirteen U.S. consumers age 50 and over reported an amount paid of $1 million or more. They were located in the following states: California ($1.2, $1, and $1 million);

Florida ($1.2 million); New Hampshire ($3 million); New York (two consumers each reporting $1 million); Oregon ($15.7 million); Tennessee ($1 million); Texas ($2.5, $2, and

$1.6 million); and Wisconsin ($1.3 million).

Page 12 of 95

Federal Trade Commission

Released May 12, 2006

Number of Fraud Complaints & Amount Paid from Consumers Age 50 and Over

by Sentinel Top Complaint Categories

January 1 - December 31, 2005

Sentinel Fraud Categories

1 Foreign Money Offers

2 Prizes/Sweepstakes and Lotteries

3 Internet Auctions

4 Internet Services and Computer Complaints

5 Shop-at-Home/Catalog Sales

6 Telephone Services

7 Business Opps and Work-at-Home Plans

8 Magazines and Buyers Clubs

9 Health Care

10 Advance-Fee Loans and Credit Protection/Repair

11 Travel, Vacations and Timeshare

12 Office Supplies and Services

13 Investments

14 Debt Management/Credit Counseling

15 Multi-Level Mktg/Pyramids/Chain Letters

Total No. of

Complaints

15,530

14,358

14,339

8,852

8,804

3,915

3,624

2,059

1,873

1,859

1,395

1,049

916

639

600

Complaints

Reporting

Amount Paid

3,520

11,629

12,640

5,695

7,461

3,439

2,914

1,593

1,556

1,665

1,129

806

741

600

401

Percentage of

Complaints Reporting

Amount Paid

23%

81%

88%

64%

85%

88%

80%

77%

83%

90%

81%

77%

81%

94%

67%

Median

Average

Amount Paid Amount Paid1 Amount Paid2

$37,107,005

$10,542

$2,337

$40,902,676

$3,517

$2,229

$16,705,067

$1,322

$338

$2,541,067

$446

$95

$11,855,979

$1,589

$3,740

$271,548

$79

$49

$34,363,481

$11,793

$2,000

$280,413

$176

$66

$990,865

$637

$200

$1,965,636

$1,181

$349

$3,559,142

$3,152

$686

$270,114

$335

$200

$19,939,896

$26,909

$5,460

$3,093,283

$5,155

$1,500

$1,296,064

$3,232

$500

1 Average is based on the total number of consumers who reported amount paid for each complaint category.

2 Median is the middle number in a set of numbers so that half the numbers have values that are greater than the median and half have

values that are less. Calculation of the median excludes complaints with amount paid reported as $0.

Page 13 of 95

Federal Trade Commission

Released May 12, 2006

Number of Fraud Complaints & Amount Paid from Consumers Age 50 and Over by Age Range

and Sentinel Top Complaint Categories

January 1 - December 31, 2005

Consumers Reporting Age 50-59

Sentinel Fraud Categories

1 Internet Auctions

2 Foreign Money Offers

3 Shop-at-Home/Catalog Sales

4 Internet Services and Computer Complaints

5 Prizes/Sweepstakes and Lotteries

6 Business Opps and Work-at-Home Plans

7 Telephone Services

8 Advance-Fee Loans and Credit Protection/Repair

9 Magazines and Buyers Clubs

10 Health Care

11 Travel, Vacations and Timeshare

12 Office Supplies and Services

13 Investments

14 Debt Management/Credit Counseling

15 Multi-Level Mktg/Pyramids/Chain Letters

Total No. of

Complaints

10,642

10,171

5,638

5,589

5,069

2,351

2,136

1,222

1,030

911

738

732

413

400

375

Complaints

Reporting

Amount Paid

9,380

2,315

4,838

3,449

4,134

1,883

1,847

1,114

806

711

595

583

331

378

263

Percentage of

Complaints Reporting

Amount Paid

88%

23%

86%

62%

82%

80%

86%

91%

78%

78%

81%

80%

80%

95%

70%

Amount Paid

$12,662,909

$27,017,220

$8,930,452

$1,646,482

$9,762,774

$26,142,335

$174,565

$1,157,095

$172,906

$541,778

$2,096,331

$41,736

$8,283,157

$2,119,321

$1,076,960

Average

Amount Paid1

$1,350

$11,671

$1,846

$477

$2,362

$13,883

$95

$1,039

$215

$762

$3,523

$72

$25,025

$5,607

$4,095

Median

Amount Paid2

$328

$2,236

$199

$100

$2,000

$3,000

$51

$350

$75

$172

$600

$200

$5,000

$1,716

$520

Total No. of

Complaints

4,160

3,068

2,321

2,275

2,085

1,076

873

546

503

401

379

261

237

174

162

Complaints

Reporting

Amount Paid

857

2,710

1,836

1,524

1,776

952

691

417

432

340

344

219

180

163

97

Percentage of

Complaints Reporting

Amount Paid

21%

88%

79%

67%

85%

88%

79%

76%

86%

85%

91%

84%

76%

94%

60%

Amount Paid

$7,165,623

$3,297,159

$2,976,197

$489,626

$2,262,106

$52,018

$4,676,394

$74,306

$237,573

$671,609

$316,948

$3,976,424

$219,833

$852,805

$112,177

Average

Amount Paid1

$8,361

$1,217

$1,621

$321

$1,274

$55

$6,768

$178

$550

$1,975

$921

$18,157

$1,221

$5,232

$1,156

Median

Amount Paid2

$2,114

$354

$1,750

$84

$132

$45

$1,100

$65

$187

$739

$299

$5,205

$200

$200

$379

Complaints

Reporting

Amount Paid

5,915

363

858

737

675

552

460

389

350

222

204

206

45

66

42

Percentage of

Complaints Reporting

Amount Paid

82%

30%

79%

73%

91%

88%

91%

77%

85%

81%

76%

80%

55%

92%

66%

Amount Paid

$28,163,704

$2,924,162

$663,421

$404,959

$44,965

$744,999

$211,514

$33,201

$3,544,752

$491,592

$791,202

$7,680,315

$8,545

$121,157

$106,927

Average

Amount Paid1

$4,761

$8,056

$773

$549

$67

$1,350

$460

$85

$10,128

$2,214

$3,878

$37,283

$190

$1,836

$2,546

Median

Amount Paid2

$2,475

$4,256

$79

$90

$40

$386

$398

$61

$477

$400

$700

$13,358

$247

$1,017

$713

Consumers Reporting Age 60-69

Sentinel Fraud Categories

1 Foreign Money Offers

2 Internet Auctions

3 Prizes/Sweepstakes and Lotteries

4 Internet Services and Computer Complaints

5 Shop-at-Home/Catalog Sales

6 Telephone Services

7 Business Opps and Work-at-Home Plans

8 Magazines and Buyers Clubs

9 Health Care

10 Travel, Vacations and Timeshare

11 Advance-Fee Loans and Credit Protection/Repair

12 Investments

13 Office Supplies and Services

14 Debt Management/Credit Counseling

15 Multi-Level Mktg/Pyramids/Chain Letters

Consumers Reporting Age 70 and Over

Sentinel Fraud Categories

1 Prizes/Sweepstakes and Lotteries

2 Foreign Money Offers

3 Shop-at-Home/Catalog Sales

4 Internet Services and Computer Complaints

5 Telephone Services

6 Internet Auctions

7 Health Care

8 Magazines and Buyers Clubs

9 Business Opps and Work-at-Home Plans

10 Advance-Fee Loans and Credit Protection/Repair

11 Travel, Vacations and Timeshare

12 Investments

13 Office Supplies and Services

14 Debt Management/Credit Counseling

15 Multi-Level Mktg/Pyramids/Chain Letters

Total No. of

Complaints

7,224

1,210

1,092

1,003

740

629

505

502

410

273

267

257

82

72

64

1 Average is based on the total number of consumers who reported amount paid for each complaint category.

2 Median is the middle number in a set of numbers so that half the numbers have values that are greater than the median and half have

values that are less. Calculation of the median excludes complaints with amount paid reported as $0.

Page 14 of 95

Federal Trade Commission

Released May 12, 2006

Identity Theft Complaints by Victim Age1

January 1 – December 31, 2005

29%

30

Victims

Age 50 and Over:

56,584 (23%)

23%

20%

20

13%

10

6%

5%

4%

0

Under 18

18-29

30-39

40-49

50-59

60-69

70 and

Over

1Percentages are based on the total number of identity theft complaints where victims reported their age

(246,755). 95% of the victims reported their age.

Identity Theft Complaints by Victim Age

Calendar Years 2003 through 2005

CY-2003

Consumer Age Range

Under 18

18 - 29

30 - 39

40 - 49

50 - 59

60 - 69

70 and Over

Total Reporting Age

Complaints

6,514

54,943

50,582

41,438

25,224

11,537

7,770

198,008

CY-2004

Percentages

3%

28%

26%

21%

13%

6%

4%

2

Complaints

9,601

68,465

57,889

47,181

29,316

13,353

8,956

234,761

Percentages

4%

29%

25%

20%

12%

6%

4%

CY-2005

2

Complaints

11,641

71,210

57,965

49,355

31,975

14,772

9,837

246,755

Percentages2

5%

29%

23%

20%

13%

6%

4%

2Percentages are based on the total number of identity theft complaints where victims reported their age:

CY-2003 = 198,008; CY-2004 = 234,761; and CY-2005 = 246,755. 95% of the victims reported their

age in CY-2005, 92% and 95% for CY-2003 and CY-2004, respectively.

Page 15 of 95

Federal Trade Commission

Released May 12, 2006

How Victims’ Information is Misused

for Consumers Age 50 and Over1

Calendar Years 2003 through 2005

Credit Card Fraud

Theft Subtype

New Accounts

Existing Account

Unspecified

Total

Loan Fraud

Percentages

Percentages

Percentages

CY-2003

CY-2004

CY-2005

23.0%

18.1%

0.2%

40%

19.5%

18.5%

0.1%

37%

17.9%

17.1%

0.2%

34%

Percentages

Percentages

Percentages

CY-2003

CY-2004

CY-2005

8.9%

5.4%

2.7%

0.1%

16%

9.2%

7.0%

2.7%

0.1%

18%

8.4%

8.1%

2.3%

0.1%

18%

Percentages

Percentages

Percentages

CY-2003

CY-2004

CY-2005

10.7%

4.6%

2.3%

9.9%

5.1%

2.6%

7.9%

4.5%

3.4%

0.7%

0.2%

17%

0.8%

0.2%

17%

0.7%

0.3%

15%

Percentages

Percentages

Bank Fraud2

Theft Subtype

Existing Accounts

Electronic Fund Transfer

New Accounts

Unspecified

Total

Phone or Utilities Fraud

Theft Subtype

Wireless - New Accounts

Telephone - New Accounts

Utilities - New Accounts

Unauthorized Charges

to Existing Accounts

Unspecified

Total

Percentages

Percentages

Percentages

CY-2003

CY-2004

CY-2005

2.2%

1.7%

1.1%

0.2%

5%

2.8%

1.6%

1.2%

0.1%

5%

2.8%

1.4%

1.1%

0.1%

5%

Percentages

Percentages

Percentages

CY-2003

CY-2004

CY-2005

1.7%

1.6%

0.7%

0.3%

0.4%

0.3%

0.1%

0.1%

0.2%

0.1%

9.7%

15%

1.7%

1.6%

0.8%

0.5%

0.4%

0.3%

0.2%

0.2%

0.2%

0.1%

12.2%

18%

1.7%

1.7%

0.8%

0.5%

0.4%

0.2%

0.2%

0.2%

0.3%

0.1%

18.8%

24%

Percentages

Percentages

Percentages

CY-2003

CY-2004

CY-2005

13%

10%

9%

Other Identity Theft

Theft Subtype

Medical

Internet / E-mail

Evasion of Legal Sanctions

Insurance

Apartment / House Rented

Bankruptcy

Magazines

Property Rental Fraud

Securities / Other Investments

Child Support

Other

Total

Attempted Identity Theft

Employment-Related Fraud

Percentages

Theft Subtype

Employment-Related Fraud

Theft Subtype

Business / Personal /

Student Loan

Auto Loan / Lease

Real Estate Loan

Unspecified

Total

CY-2003

CY-2004

CY-2005

5%

5%

5%

Theft Subtype

Attempted Identity Theft

Government Documents or Benefits Fraud

Theft Subtype

Fraudulent Tax Return Filed

Driver's License Issued / Forged

Government Benefits Applied For / Received

Other Government Documents Issued / Forged

Social Security Card Issued / Forged

Unspecified

Total

Percentages

Percentages

Percentages

CY-2003

CY-2004

CY-2005

1.4%

1.8%

1.0%

0.4%

0.2%

<0.1%

5%

1.7%

1.8%

1.1%

0.6%

0.2%

<0.1%

5%

2.0%

1.3%

1.1%

0.5%

0.2%

<0.1%

5%

1Percentages are based on the total number of complaints in the Identity Theft Data Clearinghouse received from consumers

age 50 and over for each calendar year: CY-2003 = 44,531; CY-2004 = 51,625; and CY-2005 = 56,584. Note that 17% of

identity theft complaints from consumers age 50 and over include more than one type of identity theft in CY-2005, as well as

in CY-2003 and CY-2004.

2Includes fraud involving checking and savings accounts and electronic fund transfers.

Page 16 of 95

Federal Trade Commission

Released May 12, 2006

Law Enforcement Contact

for Consumers Age 50 and Over1

January 1 – December 31, 2005

8% of Victims

Notified a

Police Department

and a Report

Was NOT Taken

54% of Victims

Did Not Notify a

Police Department

37% of Victims

Notified a

Police Department

and a Report

Was Taken

1Percentages are based on the total number of identity theft complaints from victims age 50 and over who

indicated whether they had notified a police department (55,521). 98% of the identity theft victims age 50 and over

who contacted the FTC reported law enforcement contact information. Less than one percent of victims who

notified the FTC that they had contacted a police department did not indicate if a report was taken when the police

department was notified.

Law Enforcement Contact

for Consumers Age 50 and Over

Calendar Years 2003 through 2005

If the victim notified a police department,

was a report taken?

Yes

No

Not Reported

Total Who Notified a Police Department

Total Who Did Not Notify a Police Department

Total Reporting

Law Enforcement Contact Information

CY-2003

Complaints

16,021

3,320

474

19,815

23,451

CY-2004

2

Percentages

37%

8%

1%

46%

54%

43,266

Complaints

18,621

3,928

312

22,861

27,677

50,538

Percentages

37%

8%

<1%

45%

55%

CY-2005

2

Complaints

20,749

4,560

300

25,609

29,912

2

Percentages

37%

8%

<1%

46%

54%

55,521

2Percentages are based on the total number of identity theft complaints from victims age 50 and over who indicated

whether they had notified a police department: CY-2003 = 43,266; CY-2004 = 50,538; and CY-2005 = 55,521. 98% of

identity theft victims age 50 and over reported law enforcement contact information in CY-2005, 97% and 98% for CY2003 and CY-2004, respectively.

Page 17 of 95

Federal Trade Commission

Released May 12, 2006

Appendix A: The Sentinel Network

www.consumer.gov/ idtheft

The Identity Theft Data Clearinghouse was launched in November 1999 and is the sole national

repository of consumer complaints about identity theft. The Clearinghouse provides specific

investigative material for law enforcement and larger, trend-based information providing insight to

both private and public sector partners on ways to reduce the incidence of identity theft.

Information in the Clearinghouse is available to law enforcement members via Consumer Sentinel,

the secured, password-protected government Web site. This access enables law enforcers to readily

spot identity theft problems in their own backyards, and to coordinate with other law enforcement

officers where the data reveals common schemes or perpetrators.

www.econsumer.gov

Econsumer.gov was created in April 2001 to gather and share cross-border e-commerce

complaints in order to respond to the challenges of multinational Internet fraud, and enhance

consumer confidence in e-commerce. The multilingual public Web site provides general

information about consumer protection in all countries that belong to the International Consumer

Protection and Enforcement Network (formerly called the International Marketing Supervision

Network), contact information for consumer protection authorities in those countries, and an online

complaint form. All information is available in English, French, German, Korean, and Spanish.

Using the existing Consumer Sentinel network, the incoming complaints are shared through the

government Web site with participating consumer protection law enforcers from 19 nations.

www.consumer.gov/ military

Military Sentinel, which was established in September 2002, is a project of the Federal Trade

Commission and the Department of Defense to identify and target consumer protection issues that

affect members of the United States Armed Forces and their families. Military Sentinel also

provides a gateway to consumer education materials covering a wide range of consumer protection

issues, such as auto leasing, identity theft, and work-at-home scams. Members of the United States

Armed Forces can enter complaints directly into Consumer Sentinel. Through Consumer Sentinel,

the government password-protected Web site, this information is used by law enforcement agencies,

members of the JAG staff, and others in the Department of Defense to help protect armed services

members and their families from consumer protection-related problems.

Appendix A: Page 18 of 95

Federal Trade Commission

Released May 12, 2006

Appendix A: Sentinel Data Contributors

for Consumers Age 50 and Over1

January 1 – December 31, 2005

Canada's

PhoneBusters

(Fraud)

7%

U.S. Postal

Identity Theft

Inspection Service Assistance Center

(Fraud)

(IDT)

4%

2%

FTC "877 ID THEFT"

(IDT)

28%

Internet Crime

Complaint Center

(Fraud)

29%

FTC Web Complaints

(IDT)

6%

FTC Web Complaints

(Fraud)

11%

FTC "877 FTC HELP"

(Fraud)

13%

1Percentages are based on the total number of Sentinel complaints (155,719) received from consumers age 50

and over between January 1 and December 31, 2005. The type of complaints provided by the organization is

indicated in parentheses. There were 0.02% (32) complaints provided by multiple law enforcement agencies not

represented in this chart.

Appendix A: Page 19 of 95

Federal Trade Commission

Released May 12, 2006

Appendix B: Sentinel Complaint Categories

Advance-Fee Loans and Credit Protection/Repair Offers: The promise of a loan that requires you to pay a fee first;

worthless credit card loss protection and insurance programs; the promise that accurate negative information can be removed

from your credit file for a fee; etc.

Business Opportunities and Work-at-Home Plans: Medical billing scams; misleading franchise and Internet-based business

opportunities; wealth building plans that don’t make good on their promises; etc.

Debt Management/Credit Counseling: Unfulfilled promises by credit counseling organizations to provide free services, send

payments to creditors in a timely manner, or reduce interest rates on credit card debt, eliminate late and over-the-limit fees; etc.

Foreign Money Offers: Letters or e-mails offering the "opportunity" to share in a percentage of millions of dollars that a selfproclaimed government official is trying to transfer illegally out of a foreign country in return for money, bank account

numbers, or other identifying information from the victim.

Health Care: Fraudulent, misleading, or deceptive claims for vision correction procedures; dietary supplements; weight loss

products or services; impotency treatments; health spas and equipments; infertility services; sunscreens; HIV test kits; etc.

Identity Theft: When someone appropriates your personal identifying information (like your Social Security number or credit

card account number) to commit fraud or theft.

Internet Auctions: Non-delivery of goods; delivery of goods that are less valuable than advertised; lack of delivery in a timely

way; failure to disclose all the relevant information about the product or terms of the sale; etc.

Internet Services and Computers: Trial offers from Internet Service Providers (ISPs); difficulty canceling an ISP account;

undisclosed Web site charges; problems with computer software and equipment purchases; and spyware.

Investments: Promises of riches that don’t pan out in day trading; oil and gas leases; gold and gems; FCC licenses; etc.

Magazines and Buyers Clubs: Pitches for "free," "pre-paid," or "special" magazine subscription deals and offers for club

memberships that claim to help you save money when buying a particular product or service (CDs, books, etc.).

Multi-Level Marketing/Pyramids/Chain Letters: Network plans that offer commissions on the sale of goods by you and

distributors you recruit.

Office Supplies and Services: Fraudulent or deceptive offers for toner, copier paper, maintenance supplies,

equipment maintenance contracts; classified advertising and yellow page invoice scams; website cramming schemes; etc.

Prizes/Sweepstakes and Lotteries: Promotions for “free” prizes for a fee; foreign lotteries and sweepstakes offered

through the phone, fax, e-mail or mail; etc.

Shop-At-Home/Catalog Sales: Problems, such as undisclosed costs, failure to deliver on time, non-delivery, and refusal to

honor a guarantee, with purchases made via the Internet (not including auction sales), telephone, or mail.

Telephone Services: Charges for calls to “toll-free” numbers; unauthorized charges such as charges for calls consumers

didn’t make; unauthorized switching of consumers’ phone service provider; misleading pre-paid phone card offers; etc.

Travel, Vacation and Timeshare Plans: Deceptive offers for “free” or low-cost vacations; cut-rate student travel packages;

misleading timeshare offers; etc.

“Other” complaint categories are: Employment agencies/job counseling, charitable solicitations, government services, real

estate, scholarships/educational grants, modeling agencies/services, green card application services, dating services,

property/inheritance tracers, water purifiers, living trusts, and viaticals.

Appendix B: Page 20 of 95

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Appendix C: Number of Sentinel fraud complaints from United States consumers

reporting age 50 and over by consumers' state, age range, and calendar year.

Notes: 1) This report includes fraud consumer complaints from all 50 U.S. states, the District of Columbia, and four U.S.

territories - Guam (22), Minor Outlying Islands (8), Puerto Rico (507), and Virgin Islands (54). 2) Sentinel complaints

may contain information from multiple consumers.

Alabama

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

433

197

151

779

2004

656

348

196

1,194

2005

695

413

183

1,284

Alaska

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

165

57

31

253

2004

191

59

29

277

2005

178

54

26

256

Arizona

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

838

444

410

1,692

2004

3,419

647

634

4,692

2005

1,341

714

518

2,564

Arkansas

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

251

92

47

390

Appendix C : Page 21 of 95

2004

297

139

53

489

2005

338

121

56

513

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

California

Calendar Year

2003

4,795

1,898

1,706

8,396

50 - 59

60 - 69

70 and Over

No. of Complaints

2004

7,236

2,905

2,340

12,439

2005

7,485

3,023

2,381

12,825

Colorado

Calendar Year

2003

706

266

152

1,124

50 - 59

60 - 69

70 and Over

No. of Complaints

2004

1,081

402

289

1,765

2005

1,042

658

208

1,903

Connecticut

Calendar Year

2003

455

145

87

686

50 - 59

60 - 69

70 and Over

No. of Complaints

2004

595

205

87

884

2005

668

266

147

1,072

Delaware

Calendar Year

2003

109

54

26

189

50 - 59

60 - 69

70 and Over

No. of Complaints

2004

171

98

88

353

2005

169

70

63

300

District Of Columbia

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

165

57

33

2004

208

72

45

2005

171

74

47

254

325

292

Appendix C : Page 22 of 95

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Florida

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

2,606

1,195

835

4,635

2004

3,962

1,761

1,227

6,927

2005

3,878

1,954

1,442

7,241

Georgia

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

870

302

236

1,408

2004

1,249

475

331

2,041

2005

1,527

554

374

2,439

Guam

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

5

3

1

9

2004

4

1

1

6

2005

6

1

7

Hawaii

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

200

92

79

371

2004

299

91

83

472

2005

298

114

84

491

Idaho

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

169

63

56

2004

285

103

91

2005

277

92

75

288

478

440

Appendix C : Page 23 of 95

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Illinois

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

1,350

458

321

2,127

2004

1,819

623

529

2,964

2005

1,918

604

556

3,064

Indiana

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

673

224

219

1,113

2004

954

399

293

1,631

2005

1,193

563

324

2,064

Iowa

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

243

71

57

371

2004

346

110

80

535

2005

378

130

60

566

Kansas

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

321

110

75

506

2004

434

143

88

665

2005

506

165

72

737

Kentucky

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

366

240

98

2004

495

249

125

2005

530

263

137

704

865

926

Appendix C : Page 24 of 95

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Louisiana

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

382

145

78

605

2004

578

205

147

928

2005

526

210

180

911

Maine

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

142

63

36

240

2004

238

81

62

381

2005

287

114

45

445

Maryland

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

804

325

184

1,313

2004

1,157

476

275

1,901

2005

1,289

541

378

2,188

Massachusetts

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

643

226

221

1,089

2004

989

336

281

1,601

2005

1,012

346

268

1,620

Michigan

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

1,053

431

412

2004

1,668

645

541

2005

1,654

928

527

1,896

2,847

3,092

Appendix C : Page 25 of 95

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Minnesota

Calendar Year

2003

462

190

107

759

50 - 59

60 - 69

70 and Over

No. of Complaints

2004

691

227

170

1,083

2005

761

318

174

1,248

Minor Outlying Islands

Calendar Year

50 - 59

70 and Over

No. of Complaints

2003

2

2

2004

2

1

3

2005

2

1

3

Mississippi

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

198

73

61

331

2004

271

131

75

477

2005

291

125

105

517

Missouri

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

803

283

291

1,377

2004

932

343

277

1,546

2005

954

377

314

1,631

Montana

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

156

67

43

2004

180

88

89

2005

186

94

69

266

354

345

Appendix C : Page 26 of 95

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Nebraska

Calendar Year

2003

165

60

73

297

50 - 59

60 - 69

70 and Over

No. of Complaints

2004

262

84

76

420

2005

269

87

88

441

Nevada

Calendar Year

2003

381

193

153

727

50 - 59

60 - 69

70 and Over

No. of Complaints

2004

557

333

191

1,081

2005

607

277

199

1,083

New Hampshire

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

170

78

76

324

2004

264

113

71

447

2005

320

107

87

509

New Jersey

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

993

386

339

1,717

2004

1,376

523

478

2,369

2005

1,425

518

388

2,325

New Mexico

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

229

120

85

2004

343

154

122

2005

345

149

108

434

615

600

Appendix C : Page 27 of 95

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

New York

Calendar Year

2003

1,879

678

519

3,075

50 - 59

60 - 69

70 and Over

No. of Complaints

2004

2,849

1,144

870

4,843

2005

2,745

1,149

842

4,714

North Carolina

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

881

294

235

1,410

2004

1,256

463

288

1,999

2005

1,383

531

313

2,215

North Dakota

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

43

20

18

81

2004

79

32

24

135

2005

74

24

16

114

Ohio

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

1,312

443

477

2,231

2004

1,878

747

615

3,222

2005

2,024

743

541

3,289

Oklahoma

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

392

166

126

2004

539

221

198

2005

576

244

187

684

957

1,004

Appendix C : Page 28 of 95

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Oregon

Calendar Year

2003

569

235

115

919

50 - 59

60 - 69

70 and Over

No. of Complaints

2004

852

293

173

1,316

2005

1,074

389

214

1,672

Pennsylvania

Calendar Year

2003

1,409

563

510

2,482

50 - 59

60 - 69

70 and Over

No. of Complaints

2004

2,209

790

735

3,722

2005

2,283

869

670

3,798

Puerto Rico

Calendar Year

2003

32

21

5

58

50 - 59

60 - 69

70 and Over

No. of Complaints

2004

93

50

15

157

2005

84

196

13

292

Rhode Island

Calendar Year

2003

127

34

43

204

50 - 59

60 - 69

70 and Over

No. of Complaints

2004

158

61

50

267

2005

195

51

36

279

South Carolina

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

391

167

128

2004

1,246

307

171

2005

2,413

288

200

686

1,717

2,893

Appendix C : Page 29 of 95

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

South Dakota

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

67

30

37

134

2004

80

33

29

142

2005

78

34

34

145

Tennessee

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

589

208

168

965

2004

867

330

218

1,408

2005

1,030

366

175

1,565

Texas

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

2,161

916

629

3,704

2004

3,229

1,336

813

5,366

2005

3,476

1,464

780

5,705

Utah

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

260

93

102

455

2004

346

155

144

643

2005

420

171

134

722

Vermont

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

62

37

6

2004

114

29

14

2005

104

38

39

105

156

181

Appendix C : Page 30 of 95

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Virginia

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

1,138

406

282

1,825

2004

1,542

573

384

2,492

2005

1,641

682

416

2,719

Virgin Islands

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

6

2

8

2004

13

5

1

19

2005

19

6

2

27

Washington

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

1,023

357

342

1,721

2004

1,495

764

554

2,800

2005

1,608

804

537

2,936

West Virginia

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

195

59

48

302

2004

285

182

35

502

2005

281

126

59

466

Wisconsin

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

512

196

168

2004

856

301

153

2005

944

298

167

875

1,305

1,404

Appendix C : Page 31 of 95

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Wyoming

Calendar Year

50 - 59

60 - 69

70 and Over

No. of Complaints

2003

71

19

11

101

Appendix C : Page 32 of 95

2004

117

53

25

195

2005

80

41

21

142

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Appendix D: Top Sentinel fraud complaint categories for United States

consumers reporting age 50 and over by calendar year

Notes: 1) This report includes fraud consumer complaints from all 50 U.S. states, the District of Columbia, and four

U.S. territories - Guam (22), Minor Outlying Islands (8), Puerto Rico (507), and Virgin Islands (54). 2) Sentinel

complaints may contain information from multiple consumers.

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 33 of 95

2003

2,877

2,318

11

4,929

1,501

8,542

7,903

633

1,253

441

555

8,118

8,125

3,955

1,104

2004

3,084

3,008

1,273

8,340

2,079

15,783

9,315

874

1,676

555

1,170

11,862

8,737

4,943

1,144

2005

1,773

3,463

636

14,778

1,844

13,303

8,440

824

2,017

544

1,031

13,236

8,142

3,852

1,114

No. of Complaints

7,734

8,789

1,920

28,047

5,424

37,628

25,658

2,331

4,946

1,540

2,756

33,216

25,004

12,750

3,362

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Appendix D: Top Sentinel fraud complaint categories for United States

consumers reporting age 50 and over by consumer age range

Notes: 1) This report includes fraud consumer complaints from all 50 U.S. states, the District of Columbia, and four

U.S. territories - Guam (22), Minor Outlying Islands (8), Puerto Rico (507), and Virgin Islands (54). 2) Sentinel

complaints may contain information from multiple consumers.

Age Range 50 - 59

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Calendar Year

2003

1,861

1,466

8

3,381

727

6,497

5,271

321

648

297

375

1,469

5,013

2,281

602

Age Range 60 - 69

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 34 of 95

2004

2,033

1,917

739

5,464

1,082

11,812

5,919

392

829

363

803

2,702

5,380

2,711

624

2005

1,177

2,238

398

9,687

897

9,829

5,297

360

1,012

338

720

4,676

5,199

2,112

601

No. of Complaints

5,071

5,621

1,145

18,532

2,706

28,138

16,487

1,073

2,489

998

1,898

8,847

15,592

7,104

1,827

2005

369

834

174

3,952

494

2,885

2,200

251

539

148

235

2,192

1,956

1,066

340

No. of Complaints

1,743

2,073

527

7,407

1,484

7,942

6,499

671

1,347

386

636

6,023

5,983

3,471

990

Calendar Year

2003

657

550

2

1,222

435

1,710

1,892

163

345

107

130

1,506

1,898

1,027

331

2004

717

689

351

2,233

555

3,347

2,407

257

463

131

271

2,325

2,129

1,378

319

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Age Range 70 and Over

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 35 of 95

Calendar Year

2003

362

303

1

327

339

335

740

150

263

37

50

5,157

1,217

652

171

2004

351

406

188

651

474

624

1,005

233

402

61

99

6,995

1,232

895

210

2005

241

401

71

1,154

500

591

957

228

485

59

78

6,615

998

711

184

No. of Complaints

954

1,110

260

2,132

1,313

1,550

2,702

611

1,150

157

227

18,767

3,447

2,258

565

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Appendix D: Top Sentinel fraud complaint categories for United States

consumers reporting age 50 and over by consumer state

Notes: 1) This report includes fraud consumer complaints from all 50 U.S. states, the District of Columbia, and four

U.S. territories - Guam (22), Minor Outlying Islands (8), Puerto Rico (507), and Virgin Islands (54). 2) Sentinel

complaints may contain information from multiple consumers.

Alabama

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

58

23

50

28

108

104

7

14

4

3

111

106

69

20

2004

43

43

28

137

34

202

128

15

33

10

23

175

114

67

11

2005

29

40

19

177

19

151

89

8

26

4

18

217

121

49

15

No. of Complaints

130

106

47

364

81

461

321

30

73

18

44

503

341

185

46

2005

1

8

3

45

3

36

23

3

7

1

3

37

25

5

3

No. of Complaints

39

17

4

104

13

119

73

8

25

4

16

145

74

23

11

Alaska

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 36 of 95

2003

22

3

21

5

36

29

4

5

2

5

51

27

12

4

2004

16

6

1

38

5

47

21

1

13

1

8

57

22

6

4

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Arizona

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

83

65

139

33

212

204

18

28

13

13

285

185

89

35

2004

77

86

51

245

52

430

253

31

42

15

22

463

219

101

28

2005

30

97

13

413

45

329

244

25

56

14

16

387

226

79

25

No. of Complaints

190

248

64

797

130

971

701

74

126

42

51

1,135

630

269

88

2005

12

20

2

100

9

117

42

3

7

4

5

50

41

20

5

No. of Complaints

53

53

22

195

21

316

162

11

17

15

14

93

163

72

20

Arkansas

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 37 of 95

2003

26

17

43

8

70

61

4

4

5

3

12

61

32

11

2004

15

16

20

52

4

129

59

4

6

6

6

31

61

20

4

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

California

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

340

324

1

740

198

1,278

1,088

98

192

57

83

1,275

1,160

509

147

2004

484

429

79

1,335

330

2,149

1,310

145

288

79

208

1,725

1,313

569

172

2005

243

487

63

2,140

273

1,819

1,233

114

367

74

145

1,854

1,211

539

156

No. of Complaints

1,067

1,240

143

4,215

801

5,246

3,631

357

847

210

436

4,854

3,684

1,617

475

2005

29

91

15

289

33

259

144

15

33

13

24

158

150

38

21

No. of Complaints

121

228

24

686

95

770

482

51

90

37

50

517

458

166

57

Colorado

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 38 of 95

2003

39

55

129

20

180

157

16

21

14

6

133

147

58

15

2004

53

82

9

268

42

331

181

20

36

10

20

226

161

70

21

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Connecticut

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

30

34

64

8

126

115

8

18

6

9

40

111

32

9

2004

41

23

8

93

21

232

89

8

8

7

7

60

102

41

11

2005

12

33

8

123

26

194

115

7

29

3

8

162

104

35

13

No. of Complaints

83

90

16

280

55

552

319

23

55

16

24

262

317

108

33

2005

8

6

3

39

3

44

43

1

9

1

2

50

33

12

2

No. of Complaints

34

23

8

66

23

101

106

11

17

5

9

164

92

49

8

Delaware

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 39 of 95

2003

18

5

12

8

19

28

3

2

1

27

24

17

2

2004

8

12

5

15

12

38

35

7

6

4

6

87

35

20

4

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

District Of Columbia

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

24

14

15

5

13

73

3

4

4

29

17

30

10

2004

11

8

3

19

8

24

85

1

14

1

5

43

29

17

9

2005

9

11

3

35

11

17

45

2

10

2

4

54

15

15

8

No. of Complaints

44

33

6

69

24

54

203

6

28

3

13

126

61

62

27

2005

143

289

72

981

165

1,060

773

64

132

46

64

855

624

352

98

No. of Complaints

613

758

175

2,161

540

2,921

2,336

225

355

127

179

1,803

1,944

1,195

289

Florida

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 40 of 95

2003

201

210

481

170

683

731

59

106

35

39

310

647

385

91

2004

269

259

103

699

205

1,178

832

102

117

46

76

638

673

458

100

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Georgia

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

83

66

109

34

180

187

20

34

2

8

178

195

114

31

2004

96

72

41

229

50

324

222

23

53

14

31

270

190

146

34

2005

56

101

22

336

55

324

251

21

49

11

24

409

207

133

31

No. of Complaints

235

239

63

674

139

828

660

64

136

27

63

857

592

393

96

2005

No. of Complaints

1

1

2

7

2

1

1

4

1

Guam

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Foreign Money Offers

Internet Auctions

Internet Services and Computer Complaints

Magazines and Buyers Clubs

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Appendix D: Page 41 of 95

2003

2004

1

1

3

1

2

1

1

2

2

1

4

1

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Hawaii

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

18

14

23

5

62

36

3

9

3

6

86

59

9

1

2004

17

9

8

32

8

105

48

2

6

2

11

87

75

21

5

2005

9

19

4

54

8

88

52

4

15

3

4

82

41

18

9

No. of Complaints

44

42

12

109

21

255

136

9

30

8

21

255

175

48

15

2005

9

12

4

69

14

63

43

8

8

No. of Complaints

43

40

18

128

29

245

115

11

21

4

10

202

123

54

13

Idaho

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 42 of 95

2003

17

10

18

4

60

28

5

3

1

55

38

19

3

2004

17

18

14

41

11

122

44

3

8

1

5

77

40

17

8

4

70

45

18

2

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Illinois

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

106

79

113

56

313

237

17

35

13

15

304

301

164

47

2004

107

114

49

221

61

582

302

17

58

17

41

454

329

197

43

2005

71

129

22

399

62

499

242

35

80

20

38

550

288

118

27

No. of Complaints

284

322

71

733

179

1,394

781

69

173

50

94

1,308

918

479

117

2005

43

81

13

372

34

240

148

14

38

16

25

410

159

80

21

No. of Complaints

178

166

25

651

113

708

426

48

89

42

60

837

442

272

53

Indiana

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 43 of 95

2003

61

36

83

38

157

134

12

26

16

15

174

149

86

14

2004

74

49

12

196

41

311

144

22

25

10

20

253

134

106

18

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Iowa

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

23

10

27

8

83

52

6

7

4

1

28

59

19

8

2004

19

26

13

47

17

145

55

3

13

4

5

38

74

22

6

2005

16

32

5

79

12

125

41

6

11

4

13

23

60

21

8

No. of Complaints

58

68

18

153

37

353

148

15

31

12

19

89

193

62

22

2005

16

40

9

130

15

119

49

5

12

2

12

85

63

30

8

No. of Complaints

64

85

24

316

49

352

171

27

28

16

22

195

190

94

24

Kansas

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 44 of 95

2003

17

17

111

14

87

55

10

6

8

2

54

52

26

8

2004

31

28

15

75

20

146

67

12

10

6

8

56

75

38

8

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Kentucky

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

28

22

1

180

18

91

65

3

11

4

8

93

82

29

7

2004

32

27

8

88

16

194

83

9

16

5

10

113

117

42

8

2005

18

29

4

120

15

151

66

11

28

5

11

147

89

35

6

No. of Complaints

78

78

13

388

49

436

214

23

55

14

29

353

288

106

21

2005

19

21

9

110

22

142

78

10

19

11

8

150

79

43

11

No. of Complaints

103

86

24

234

62

406

257

21

51

22

32

311

272

133

36

Louisiana

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 45 of 95

2003

36

21

35

17

91

91

4

16

3

4

60

85

40

11

2004

48

44

15

89

23

173

88

7

16

8

20

101

108

50

14

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Maine

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

5

12

19

7

40

46

4

4

1

1

21

39

18

4

2004

7

8

10

38

11

69

69

8

2

3

39

46

24

3

2005

7

13

4

65

8

73

59

1

7

1

5

57

51

5

6

No. of Complaints

19

33

14

122

26

182

174

5

19

4

9

117

136

47

13

2005

43

76

7

278

38

288

283

25

60

8

23

305

177

104

38

No. of Complaints

207

174

24

569

119

771

750

58

146

24

41

613

562

326

114

Maryland

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 46 of 95

2003

73

45

127

38

170

203

15

33

10

9

106

173

95

42

2004

91

53

17

164

43

313

264

18

53

6

9

202

212

127

34

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Massachusetts

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

35

27

1

70

28

182

148

13

24

8

15

186

177

49

24

2004

73

32

24

138

32

303

182

9

27

8

17

229

168

101

16

2005

35

57

14

200

28

258

228

13

26

13

15

249

138

67

19

No. of Complaints

143

116

39

408

88

743

558

35

77

29

47

664

483

217

59

2005

51

94

12

682

56

423

219

19

58

16

33

616

235

115

42

No. of Complaints

217

276

60

1,051

176

1,216

631

70

162

56

90

1,613

761

393

112

Michigan

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 47 of 95

2003

83

71

1

134

46

254

187

28

39

16

22

428

258

122

40

2004

83

111

47

235

74

539

225

23

65

24

35

569

268

156

30

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Minnesota

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

37

46

64

14

110

79

4

9

6

1

132

94

58

17

2004

27

37

13

125

14

223

105

15

9

7

11

157

111

44

25

2005

17

65

5

217

31

179

82

17

23

3

24

201

102

32

21

No. of Complaints

81

148

18

406

59

512

266

36

41

16

36

490

307

134

63

2005

No. of Complaints

1

1

3

2

Minor Outlying Islands

Calendar Year

Internet Services and Computer Complaints

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Appendix D: Page 48 of 95

2003

1

2004

1

1

2

1

1

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Mississippi

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

22

11

26

12

50

28

11

2

1

52

40

39

5

2004

27

16

10

36

9

89

51

2

9

1

8

80

47

31

6

2005

21

23

8

46

7

66

35

7

23

1

3

109

47

31

3

No. of Complaints

70

50

18

108

28

205

114

9

43

4

12

241

134

101

14

2005

42

60

4

216

32

277

111

18

27

8

24

337

132

58

18

No. of Complaints

141

177

24

474

118

765

587

43

94

26

52

808

446

197

64

Missouri

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 49 of 95

2003

48

50

108

55

150

330

13

37

7

7

250

155

49

29

2004

51

67

20

150

31

338

146

12

30

11

21

221

159

90

17

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Montana

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

9

11

23

5

43

36

2

4

2

2

47

28

20

7

2004

5

14

7

30

6

64

31

4

5

2

10

77

41

13

1

2005

2

18

4

36

5

43

42

5

14

2

14

60

36

15

1

No. of Complaints

16

43

11

89

16

150

109

11

23

6

26

184

105

48

9

2005

12

19

4

36

12

73

32

1

10

3

6

84

49

19

6

No. of Complaints

46

43

13

78

29

203

99

3

27

5

11

224

141

68

15

Nebraska

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 50 of 95

2003

18

11

21

6

47

30

4

1

2

66

39

24

2

2004

16

13

9

21

11

83

37

2

13

1

3

74

53

25

7

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Nevada

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

37

54

1

38

24

93

90

4

16

9

8

101

121

47

16

2004

32

87

17

90

22

210

104

12

19

12

18

137

113

55

16

2005

33

61

6

150

19

173

104

16

23

7

17

107

125

45

20

No. of Complaints

102

202

24

278

65

476

298

32

58

28

43

345

359

147

52

2005

9

15

2

82

10

80

57

7

17

3

4

56

51

14

5

No. of Complaints

38

37

17

150

31

207

152

10

33

6

14

194

147

54

14

New Hampshire

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 51 of 95

2003

20

7

34

4

43

46

1

6

7

66

43

14

6

2004

9

15

15

34

17

84

49

2

10

3

3

72

53

26

3

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

New Jersey

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

75

60

107

38

244

270

12

41

15

12

205

304

100

42

2004

82

71

36

195

67

438

249

22

38

14

21

363

256

177

25

2005

35

95

17

280

53

391

246

33

53

17

26

326

241

138

24

No. of Complaints

192

226

53

582

158

1,073

765

67

132

46

59

894

801

415

91

2005

19

31

8

91

12

70

48

5

11

4

7

81

60

29

6

No. of Complaints

66

69

24

179

40

246

186

17

37

11

26

256

162

76

8

New Mexico

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 52 of 95

2003

26

15

31

11

67

62

4

8

7

6

76

42

24

2

2004

21

23

16

57

17

109

76

8

18

13

99

60

23

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

New York

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

122

114

201

76

520

379

33

71

16

25

404

486

244

57

2004

164

139

103

347

112

919

499

53

81

26

55

721

510

388

63

2005

85

145

30

585

85

804

434

36

112

26

52

666

460

269

80

No. of Complaints

371

398

133

1,133

273

2,243

1,312

122

264

68

132

1,791

1,456

901

200

2005

34

85

14

274

42

313

208

22

40

15

17

342

179

92

27

No. of Complaints

182

211

33

519

127

866

648

64

105

36

59

794

592

360

79

North Carolina

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 53 of 95

2003

76

55

1

84

32

201

174

25

28

14

11

188

219

135

30

2004

72

71

18

161

53

352

266

17

37

7

31

264

194

133

22

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

North Dakota

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

10

1

5

2

15

5

3

20

11

3

2004

4

3

3

17

1

34

11

2

3

1

3

25

10

2

2005

5

7

2

10

5

33

2

4

2

2

13

7

2

2

No. of Complaints

19

11

5

32

8

82

18

2

10

3

5

58

28

7

2

2005

46

123

31

363

95

454

272

37

65

18

56

530

301

148

28

No. of Complaints

327

300

82

744

237

1,303

857

94

167

50

118

1,501

952

513

127

Ohio

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 54 of 95

2003

169

75

1

119

57

292

234

22

33

10

22

393

326

148

46

2004

112

102

50

262

85

557

351

35

69

22

40

578

325

217

53

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Oklahoma

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

35

39

79

19

92

87

9

16

9

5

93

89

36

9

2004

22

29

12

105

22

184

108

22

27

7

14

158

91

42

5

2005

21

49

8

139

12

152

119

7

20

6

6

157

99

42

9

No. of Complaints

78

117

20

323

53

428

314

38

63

22

25

408

279

120

23

2005

26

67

13

348

29

244

138

17

38

8

23

138

148

66

13

No. of Complaints

88

170

21

603

84

644

483

36

86

27

69

267

405

200

44

Oregon

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 55 of 95

2003

28

40

86

21

135

155

11

24

11

18

53

131

68

10

2004

34

63

8

169

34

265

190

8

24

8

28

76

126

66

21

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Pennsylvania

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

117

82

170

53

358

320

15

43

15

23

455

405

146

33

2004

131

132

64

246

98

708

411

28

74

25

45

632

401

279

54

2005

77

141

23

459

98

603

333

22

77

20

47

672

406

167

47

No. of Complaints

325

355

87

875

249

1,669

1,064

65

194

60

115

1,759

1,212

592

134

2004

20

8

2

8

5

23

20

3

4

2005

9

6

3

160

5

21

21

3

5

21

10

21

3

18

8

11

No. of Complaints

33

16

5

170

11

57

50

6

10

1

2

3

55

21

32

Puerto Rico

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 56 of 95

2003

4

2

2

1

13

9

1

1

2

16

3

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Rhode Island

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

5

7

19

4

32

21

1

5

2

2

29

45

6

7

2004

14

9

11

14

3

59

29

1

5

1

3

39

28

14

3

2005

6

8

41

3

49

40

5

7

2

1

38

14

14

4

No. of Complaints

25

24

11

74

10

140

90

7

17

5

6

106

87

34

14

2005

36

42

7

1,714

25

173

112

8

19

9

12

186

86

38

11

No. of Complaints

120

97

34

1,948

60

454

310

22

55

24

25

447

268

146

33

South Carolina

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 57 of 95

2003

50

26

1

50

20

95

86

9

26

9

8

84

87

52

16

2004

34

29

26

184

15

186

112

5

10

6

5

177

95

56

6

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

South Dakota

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

3

3

13

1

19

20

1

1

1

3

38

12

3

2

2004

3

5

4

9

2

48

9

3

1

24

21

3

2005

4

6

2

13

3

29

7

1

2

2

No. of Complaints

10

14

6

35

6

96

36

2

6

1

7

94

48

6

4

2005

29

52

5

286

32

261

134

13

34

14

12

181

144

74

21

No. of Complaints

136

134

21

488

72

717

444

25

85

31

41

500

431

210

49

3

32

15

Tennessee

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 58 of 95

2003

56

36

73

16

147

134

8

25

7

13

146

129

62

13

2004

51

46

16

129

24

309

176

4

26

10

16

173

158

74

15

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Texas

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

215

194

342

113

540

486

44

70

30

37

419

487

231

44

2004

207

224

122

612

143

937

632

64

102

42

82

580

511

292

73

2005

139

256

53

809

104

842

565

58

112

52

63

644

470

253

80

No. of Complaints

561

674

175

1,763

360

2,319

1,683

166

284

124

182

1,643

1,468

776

197

2005

14

22

No. of Complaints

50

58

11

222

48

273

186

16

35

14

17

363

136

83

33

Utah

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 59 of 95

2003

19

16

40

19

65

61

7

7

5

3

89

38

31

11

2004

17

20

11

66

14

115

62

1

7

1

3

164

45

28

9

116

15

93

63

8

21

8

11

110

53

24

13

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Vermont

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

2003

8

5

14

2

16

12

1

4

2

1

2

22

4

2

2004

3

8

2

12

4

41

27

3

3

2

20

11

6

2

2005

2

2

2

29

3

36

14

1

1

5

31

21

8

2

No. of Complaints

13

15

4

55

9

93

53

4

8

3

8

53

54

18

6

2005

48

87

19

376

51

314

270

33

87

15

27

481

250

119

38

No. of Complaints

276

239

62

740

142

912

890

78

207

53

92

960

721

458

134

Virginia

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 60 of 95

2003

121

77

137

37

207

306

23

63

14

24

186

224

154

45

2004

107

75

43

227

54

391

314

22

57

24

41

293

247

185

51

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

Virgin Islands

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Magazines and Buyers Clubs

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

2003

1

1

2

2

2

2004

1

2005

2

2

5

2

1

2

5

2

2

No. of Complaints

2

1

4

2

10

7

1

1

9

2

2

2005

38

86

19

418

55

382

263

21

56

17

34

496

234

133

30

No. of Complaints

149

230

45

891

144

1,137

775

70

121

48

101

1,281

678

411

88

3

5

1

Washington

Calendar Year

Advance-Fee Loans and Credit Protection/Repair

Business Opps and Work-at-Home Plans

Debt Management/Credit Counseling

Foreign Money Offers

Health Care

Internet Auctions

Internet Services and Computer Complaints

Investments

Magazines and Buyers Clubs

Multi-Level Mktg/Pyramids/Chain Letters

Office Supplies and Services

Prizes/Sweepstakes and Lotteries

Shop-at-Home/Catalog Sales

Telephone Services

Travel, Vacations and Timeshare

Appendix D: Page 61 of 95

2003

56

64

2

197

30

255

235

19

27

10

19

274

200

140

26

2004

55

80

24

276

59

500

277

30

38

21

48

511

244

138

32

Federal Trade Commission

Released May 12, 2006

Source: Consumer Sentinel - Fraud Data

West Virginia

Calendar Year

Advance-Fee Loans and Credit Protection/Repair