# Fraud and Identity Theft Complaints Received (2004)

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## Record

- **Collection:** Agency decision
- **Document type:** Agency decision

## Text

Fraud and Identity Theft Complaints Received
by the Federal Trade Commission
from Consumers Age 50 and Over

provided to

U.S. Senate
Special Committee on Aging

Federal Trade Commission
May 2005

TABLE OF CONTENTS
Report Subject

Page No.

Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Executive Summary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

3
4

Sentinel Complaint Trends for Consumers Age 50 and Over
Three-Year Trend for Sentinel Complaints . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
Sentinel Top Complaint Categories . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Sentinel Data Contributors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

Sentinel Fraud Complaint Trends for Consumers Age 50 and Over
Fraud Complaint Trends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Internet-Related Fraud Complaint Trends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
For United States Consumers Age 50 and Over Only
Number of Fraud Complaints & Amount Paid by Consumer State . . . . . . . . . . . . . . . . . . 10
Number of Fraud Complaints & Amount Paid by Sentinel Top Complaint Categories . . 11
Number of Fraud Complaints & Amount Paid by Age Categories
and Sentinel Top Complaint Categories. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

Sentinel Identity Theft Complaint Trends for Consumers Age 50 and Over
Three-Year Trend for Identity Theft Records . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
Three-Year Trend for How Identity Theft Victims’ Information Is Misused . . . . . . . . . . 14
Identity Theft Victim Age Data and Law Enforcement Contact . . . . . . . . . . . . . . . . . . . . 15
Fraud Complaints and Identity Theft Victims by State . . . . . . . . . . . . . . . . . . . . . . . . . . . 16

Federal Trade Commission

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Created May 12, 2005

TABLE OF CONTENTS
Report Subject

Page No.

Appendices
Appendix A: Description of the Sentinel Network . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Appendix B: Description of the Sentinel Complaint Categories . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Appendix C: Number of Sentinel Fraud Complaints from United States (U.S.) 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. . . . . . . . . . . . . . . . . . . . . . .
for U.S. Consumers Reporting Age 50 and Over by Consumer State and Age Range. . . . . . . . . . . .
Appendix E: Number of Sentinel Identity Theft (IDT) Complaints from United States (U.S.)
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 . . . . . . . . . . . . . . . . . . . . . .
for U.S. Consumers Reporting Age 50 and Over by Consumer State and Age Range . . . . . . . . . . . .

Federal Trade Commission

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17
18
19
31
32
35
90
197
208
209
210
229

Created May 12, 2005

INTRODUCTION
Consumer Sentinel
Leading
Partners
& Data Contributors
Between January and December 2004, Consumer Sentinel, the

complaint database developed and maintained by the FTC,
received over 645,000 consumer fraud and identity theft
complaints. Consumers reported losses from fraud of more
than $565 million. The reports in this booklet analyze those
complaints received from consumers age 50 and over
(145,895)1.
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 two 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 a detailed description see Appendix A)

www.consumer.gov/sentinel

www.consumer.gov/ idtheft

www.econsumer.gov

www.consumer.gov/ military

1

In response to Sentinel data request from the Honorable Gordon H. Smith, Chairman, Special
Committee on Aging, United States Senate, to the Federal Trade Commission on April 22, 2005.

Federal Trade Commission

Page 3 of 282

Created May 12, 2005

Executive Summary
Federal Trade Commission (FTC)
Fraud and Identity Theft Complaints Received by the FTC from Consumers Age 50 and Over
•

Of the 647,453 Consumer Sentinel complaints received during calendar year (CY) 2004, 85%
(553,006) of consumers reported their age. Fraud and identity theft complaints from consumers
age 50 and over represented 26% (145,895) of the CY 2004 Sentinel complaints where
consumers reported their age (553,006): 17% (94,441) were fraud complaints and 9% (51,454)
were identity theft complaints.

Fraud
•

65% (94,441) of Consumer Sentinel complaints from consumers age 50 and over were fraudrelated.

•

CY 2004 Top Fraud Complaint Categories for Consumers Age 50 and Over:
Internet Auctions (12% of Sentinel complaints from consumers age 50 and over)
Prizes/Sweepstakes and Lotteries (9%)
Internet Services and Computer Complaints (7%)
Shop-at-Home/Catalog Sales (6%)
Foreign Money Offers (6%)
Telephone Services (3%)
Advance-Fee Loans and Credit Protection (2%)
Business Opportunities and Work-at-Home Plans (2%)

•

Consumers age 50 and over reported fraud losses of over $152 million; the median monetary loss
was $299.

•

Internet-related complaints accounted for 41% of all reported fraud complaints from consumers
age 50 and over, with monetary losses of over $43 million and a median loss of $200.

•

Some 45% of fraud complaints from consumers age 50 and over where the company's method of
initial contact was reported indicate internet solicitations - electronic mail 27% and web 18%.

Identity Theft
•

35% (51,454) of the Consumer Sentinel complaints from consumers age 50 and over were
identity theft-related.

•

Credit card fraud (37%) was the most common form of reported identity theft followed by bank
fraud (18%), and phone or utilities fraud (17%).

Federal Trade Commission

Page 4 of 282

Created May 12, 2005

Sentinel Complaints from Consumers Age 50 and Over
by Calendar Year1
145,895

150

- Identity Theft Complaints
- Fraud Complaints

(in thousands)

108,022
100

41%

74,616
42%

59%
58%

51,454

65%

94,441

44,515

31,401

50

35%

63,507

43,215

0

CY 2002

CY 2003

CY 2004

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 2002 = 60%, CY 2003 = 66%, and CY 2004 = 79%
b) Identity theft complaints: CY 2002 = 81%, CY 2003 = 92%, and CY 2004 = 95%.

Fraud Complaints
from Consumers Age 50 and Over by Calendar Year2
(Excluding Identity Theft)

(in thousands)

100

41%

63,507
50

42%

43,215
33%
67%

26,627

59%
58%

Internet-Related
Fraud Complaints

39,100

14,363
28,852

94,441

36,880

Other Fraud
Complaints

55,341

0

CY 2002

CY 2003

CY 2004

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

Federal Trade Commission

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Created May 12, 2005

Sentinel Top Complaint Categories
for Consumers Age 50 and Over1
January 1 – December 31, 2004

Advance-Fee Loans and
Credit Protection
2%

Business Opps and
Work-at-Home Plans
2%

Others
18%

Telephone Services
3%
Foreign Money Offers
6%
Shop-at-Home/
Catalog Sales
6%
Internet Services and
Computer Complaints
7%

Identity Theft
35%

Prizes/Sweepstakes
and Lotteries
9%
Internet Auctions
12%

1Percentages are based on the total number of Sentinel complaints (145,895) received from consumers age 50

and over between January 1 and December 31, 2004. For Sentinel category descriptions see Appendix B.

Federal Trade Commission

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Created May 12, 2005

Sentinel Data Contributors
for Consumers Age 50 and Over1
January 1 – December 31, 2004

Canada's
PhoneBusters
(Fraud)
9%

U.S. Postal
Inspection Service
(Fraud)
4%
FTC "877 ID THEFT"
(IDT)
31%

Internet Crime
Complaint Center
(Fraud)
26%

FTC Web Complaints
(IDT)
5%

FTC Web Complaints
(Fraud)
11%

FTC "877 FTC HELP"
(Fraud)
14%

1Percentages are based on the total number of Sentinel complaints (145,895) received from consumers age 50

and over between January 1 and December 31, 2004. The type of complaints provided by the organization is
indicated in parentheses. There were 0.01% (16) complaints provided by multiple law enforcement agencies not
represented in this chart.

Federal Trade Commission

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Created May 12, 2005

Fraud Complaints
Total Number of Fraud Complaints & Amount Paid from Consumers Age 50 and Over
January 1 - December 31, 2004
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

94,441

69,342

73%

$152,302,679

$2,196

$299

1Average is based on the total number of consumers age 50 and over who reported amount paid (69,342). Nine consumers reported

an amount paid of $1 million or more.
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.

Fraud Complaints from Consumers Age 50 and Over
by Reported Amount Paid
January 1 - December 31, 2004

Amount Paid
$0
$1 - 25
$26 - 50
$51 - 75
$76 - 100
$101 - 250
$251 - 500
$501 - 1,000
$1,001 - 5,000
More than $5,000

Methods of Payment Reported
by Consumers Age 50 and Over4
January 1 – December 31, 2004
40%

Percentage3
34%
7%
7%
4%
4%
10%
8%
7%
15%
5%

35%

31%

30%
25%

22%

21%

20%
15%

11%
8%

10%

0%

3Percentages are based on the total number of consumers age 50 and over who
reported amount paid (69,342). 73% of consumers reported this information.

3%

3%

5%

Bank
Account
Debit

Cash/Cash
Advance

Check

Credit
Cards

Money
Order

Telephone
Bill

Wire
Transfer

4Percentages are based on the total number of consumers age 50 and over who
reported the method of payment (16,687). 18% of consumers reported this
information.

Company’s Method of Contacting
Consumers Age 50 and Over 5
January 1 - December 31, 2004

Internet - Web
Site/Others

18%

25%

Phone

Others

50-59

60-69

23%

16%
14%

70 and Over

5Percentages are based on the total number of fraud complaints where
company’s method of initial contact was reported by consumers age 50 and
over (75,378). 80% of consumers reported this information.

Federal Trade Commission

60%

27%

Internet - E-mail

Mail

Fraud Complaints from Consumers Age 50 and Over
by Consumer Age6
January 1 - December 31, 2004

18%

6Percentages are based on the total number of fraud complaints from consumers
age 50 and over (94,441). 79% of consumers reported their age in all CY 2004
Sentinel fraud complaints.

Page 8 of 282

Created May 12, 2005

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 from Consumers Age 50 and Over
January 1 - December 31, 2004
Total No. of
Complaints

Complaints
Reporting
Amount Paid

Percentage of
Complaints Reporting
Amount Paid

Amount Paid
Reported

Average
Amount Paid1

Median
Amount Paid2

39,100

34,049

87%

$43,573,985

$1,280

$200

1Average is based on the total number of consumers age 50 and over who reported amount paid (34,049). Two consumers

reported an amount paid of over $1 million ($1.7 and $8 million).
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.

Internet-Related Fraud Complaints
from Consumers Age 50 and Over
By Reported Amount Paid
January 1 - December 31, 2004
Amount Paid
$0
$1 - 25
$26 - 50
$51 - 75
$76 - 100
$101 - 250
$251 - 500
$501 - 1,000
$1,001 - 5,000
More than $5,000

Percentage
29%
8%
8%
5%
4%
13%
10%
8%
11%
3%

Methods of Payment Reported
by Consumers Age 50 and Over4
January 1 – December 31, 2004
50%

3

40%
35%
30%
25%
20%

Shop-at-Home/Catalog Sales

14%

Internet Access Services

14%

Foreign Money Offers

6%

Internet Info. & Adult Services

5%

Computers: Equipment/Software

2%

Business Opportunities

2%

Internet Web Site Design/Promo.

2%

11%
6%

0%

7%

2%

5%
Bank
Account
Debit

Cash/Cash
Advance

Check

Credit
Cards

Money
Order

Telephone
Bill

Wire
Transfer

4Percentages are based on the total number of consumers age 50 and over who
reported the method of payment (5,547). 14% of consumers reported this
information.

Internet-Related Fraud Complaints
from Consumers Age 50 and Over by Consumer Age6
January 1 - December 31, 2004

50-59

71%

60-69

70 and Over

5Percentages are based on the total number of Internet-related fraud
complaints from consumers age 50 and over (39,100) received between
January 1 and December 31, 2004.

Federal Trade Commission

14%

10%

Top Products/Services for
Internet-Related Fraud Complaints
from Consumers Age 50 and Over5
January 1 - December 31, 2004
43%

18%

15%

3Percentages are based on the total number of consumers age 50 and over
who reported amount paid (34,049). 87% of consumers reported this
information.

Internet Auctions

43%

45%

23%

7%

6Percentages are based on the total number of Internet-related fraud complaints from
consumers age 50 and over (39,100). 83% of consumers reported their age in all
CY 2004 Sentinel Internet-related fraud complaints.

Page 9 of 282

Created May 12, 2005

Number of Fraud Complaints & Amount Paid from United States (U.S.) Consumers Age 50 and Over
by Consumer State
January 1 - December 31, 2004
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

1,175
275
2,484
485
12,087
1,731
867
343
314
6,786
1,991
471
465
2,913
1,606
527
651
856
904
376
1,841
1,574
2,805
1,068
473
1,526
349
410
1,051
438
2,268
604
4,718
1,963
135
3,166
938
1,283
3,654
264
1,018
142
1,394
5,267
630
156
2,431
2,753
495
1,288
192

925
204
1,943
363
9,155
1,312
665
276
213
4,914
1,510
381
376
2,298
1,280
424
503
695
724
268
1,423
1,164
2,187
814
393
1,210
287
335
847
369
1,766
484
3,836
1,544
106
2,565
715
952
3,005
212
769
122
1,111
4,009
478
125
1,844
2,049
331
991
163

79%
74%
78%
75%
76%
76%
77%
80%
68%
72%
76%
81%
81%
79%
80%
80%
77%
81%
80%
71%
77%
74%
78%
76%
83%
79%
82%
82%
81%
84%
78%
80%
81%
79%
79%
81%
76%
74%
82%
80%
76%
86%
80%
76%
76%
80%
76%
74%
67%
77%
85%

Amount Paid
Reported

$1,378,450
$167,667
$3,737,406
$412,656
$17,870,225
$2,495,074
$458,613
$801,233
$277,252
$11,116,253
$2,558,936
$580,394
$533,763
$5,785,897
$2,954,092
$1,421,551
$595,372
$793,337
$942,019
$302,482
$1,405,330
$1,827,567
$3,988,084
$1,830,230
$385,979
$4,156,288
$449,962
$1,272,375
$2,332,171
$379,436
$2,599,011
$517,457
$4,846,370
$3,004,222
$243,674
$4,508,163
$3,132,656
$1,077,435
$8,017,789
$623,158
$937,808
$211,293
$1,375,402
$6,501,317
$1,953,942
$104,345
$2,910,985
$2,623,845
$287,989
$1,578,344
$226,587

Average
1
Amount Paid

Median
2
Amount Paid

$1,490
$822
$1,924
$1,137
$1,952
$1,902
$690
$2,903
$1,302
$2,262
$1,695
$1,523
$1,420
$2,518
$2,308
$3,353
$1,184
$1,141
$1,301
$1,129
$988
$1,570
$1,824
$2,248
$982
$3,435
$1,568
$3,798
$2,753
$1,028
$1,472
$1,069
$1,263
$1,946
$2,299
$1,758
$4,381
$1,132
$2,668
$2,939
$1,220
$1,732
$1,238
$1,622
$4,088
$835
$1,579
$1,281
$870
$1,593
$1,390

$362
$299
$469
$300
$315
$372
$249
$299
$260
$241
$299
$300
$332
$300
$299
$288
$217
$315
$377
$330
$249
$350
$355
$370
$324
$355
$450
$261
$299
$278
$300
$322
$297
$298
$400
$300
$392
$239
$300
$326
$374
$360
$300
$299
$500
$315
$293
$287
$235
$249
$373

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: Five U.S. consumers age 50 and over reported an amount paid of $1 million or more: Florida ($1.7 million), Illinois ($1.2 million), Iowa ($1 million), Missouri ($2.2 million),
and Pennsylvania ($2.5 million).

Federal Trade Commission

Page 10 of 282

Created May 12, 2005

Number of Fraud Complaints & Amount Paid from United States (U.S.) Consumers Age 50 and Over
by Sentinel Top Complaint Categories
January 1 - December 31, 2004

Sentinel Fraud Categories

1 Advance-Fee Loans and Credit Protection/Repair
2 Business Opps and Work-at-Home Plans
3 Debt Management/Credit Counseling
4 Foreign Money Offers
5 Health Care
6 Internet Auctions
7 Internet Services and Computer Complaints
8 Investments
9 Magazines and Buyers Clubs
10 Multi-Level Mktg/Pyramids/Chain Letters
11 Office Supplies and Services
12 Prizes/Sweepstakes and Lotteries
13 Shop-at-Home/Catalog Sales
14 Telephone Services
15 Travel, Vacations and Timeshare

Total No. of
Complaints

Complaints
Reporting
Amount Paid

Percentage of
Complaints Reporting
Amount Paid

3,072
2,988
1,269
8,340
2,075
15,783
9,312
868
1,655
555
1,158
11,803
8,658
4,716
1,141

2,891
2,863
1,183
2,310
1,728
15,357
5,906
724
1,221
467
872
10,288
7,905
4,273
1,030

94%
96%
93%
28%
83%
97%
63%
83%
74%
84%
75%
87%
91%
91%
90%

Amount Paid
Reported

$4,572,625
$21,323,367
$3,583,662
$9,578,399
$674,003
$12,791,989
$2,118,697
$12,660,399
$121,498
$602,874
$1,322,936
$34,748,746
$9,989,903
$692,062
$2,318,969

Average
1
Amount Paid

Median
2
Amount Paid

$1,582
$7,448
$3,029
$4,146
$390
$833
$359
$17,487
$100
$1,291
$1,517
$3,378
$1,264
$162
$2,251

$300
$399
$1,769
$2,114
$130
$209
$103
$4,000
$60
$300
$197
$2,150
$121
$50
$600

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.
Note: Five U.S. consumers age 50 and over reported an amount paid of $1 million or more: Advance-Fee Loans and Credit
Protection/Repair ($2.2 million); Business Opps and Work-at-Home Plans ($2.5 and $1 million); Office Supplies and Services ($1.2
million); and Shop-at-Home/Catalog Sales ($1.7 million).

Federal Trade Commission

Page 11 of 282

Created May 12, 2005

Number of Fraud Complaints & Amount Paid from United States (U.S.) Consumers Age 50 and Over
by Age Categories and Sentinel Top Complaint Categories
January 1 - December 31, 2004
U.S. Consumers Reporting Age 50 - 59

Sentinel Fraud Categories

1 Advance-Fee Loans and Credit Protection/Repair
2 Business Opps and Work-at-Home Plans
3 Debt Management/Credit Counseling
4 Foreign Money Offers
5 Health Care
6 Internet Auctions
7 Internet Services and Computer Complaints
8 Investments
9 Magazines and Buyers Clubs
10 Multi-Level Mktg/Pyramids/Chain Letters
11 Office Supplies and Services
12 Prizes/Sweepstakes and Lotteries
13 Shop-at-Home/Catalog Sales
14 Telephone Services
15 Travel, Vacations and Timeshare

Total No. of
Complaints

Complaints
Reporting
Amount Paid

Percentage of
Complaints Reporting
Amount Paid

2,032
1,915
735
5,464
1,082
11,812
5,917
391
815
364
799
2,691
5,349
2,593
621

1,925
1,841
681
1,489
849
11,499
3,608
323
626
310
615
2,282
4,970
2,309
554

95%
96%
93%
27%
78%
97%
61%
83%
77%
85%
77%
85%
93%
89%
89%

Total No. of
Complaints

Complaints
Reporting
Amount Paid

Percentage of
Complaints Reporting
Amount Paid

707
683
351
2,233
552
3,347
2,406
254
463
130
269
2,309
2,114
1,307
319

666
654
328
563
469
3,257
1,556
204
328
108
203
1,961
1,897
1,186
287

94%
96%
93%
25%
85%
97%
65%
80%
71%
83%
75%
85%
90%
91%
90%

Total No. of
Complaints

Complaints
Reporting
Amount Paid

Percentage of
Complaints Reporting
Amount Paid

350
394
188
651
473
624
1,005
231
395
61
93
6,963
1,199
856
210

317
372
179
266
442
601
758
205
285
49
57
6,203
1,042
818
198

91%
94%
95%
41%
93%
96%
75%
89%
72%
80%
61%
89%
87%
96%
94%

Amount Paid
Reported

$3,452,458
$15,756,982
$2,270,293
$5,795,368
$415,869
$9,853,456
$1,470,825
$5,743,841
$53,016
$315,763
$1,285,401
$4,305,771
$7,049,011
$561,591
$1,248,221

Average
Amount Paid1

Median
Amount Paid2

$1,793
$8,559
$3,334
$3,892
$490
$857
$408
$17,783
$85
$1,019
$2,090
$1,887
$1,418
$243
$2,253

$300
$530
$1,751
$2,000
$125
$204
$104
$3,800
$58
$260
$275
$2,000
$147
$58
$581

Average
Amount Paid1

Median
Amount Paid2

$585
$6,321
$2,863
$2,895
$351
$768
$242
$14,664
$130
$1,257
$171
$3,265
$1,217
$38
$1,514

$299
$500
$2,163
$2,250
$148
$219
$107
$4,500
$66
$755
$150
$2,000
$120
$41
$699

Average
Amount Paid1

Median
Amount Paid2

$2,304
$3,851
$2,091
$8,094
$211
$728
$358
$19,147
$91
$3,089
$48
$3,876
$608
$104
$3,213

$389
$156
$1,238
$4,050
$132
$270
$100
$5,000
$67
$395
$105
$2,300
$61
$40
$599

U.S. Consumers Reporting Age 60 - 69

Sentinel Fraud Categories

1 Advance-Fee Loans and Credit Protection/Repair
2 Business Opps and Work-at-Home Plans
3 Debt Management/Credit Counseling
4 Foreign Money Offers
5 Health Care
6 Internet Auctions
7 Internet Services and Computer Complaints
8 Investments
9 Magazines and Buyers Clubs
10 Multi-Level Mktg/Pyramids/Chain Letters
11 Office Supplies and Services
12 Prizes/Sweepstakes and Lotteries
13 Shop-at-Home/Catalog Sales
14 Telephone Services
15 Travel, Vacations and Timeshare

Amount Paid
Reported

$389,916
$4,133,666
$939,067
$1,630,111
$164,722
$2,500,825
$376,411
$2,991,406
$42,565
$135,731
$34,774
$6,403,210
$2,307,815
$45,620
$434,518

U.S. Consumers Reporting Age 70 and Over

Sentinel Fraud Categories

1 Advance-Fee Loans and Credit Protection/Repair
2 Business Opps and Work-at-Home Plans
3 Debt Management/Credit Counseling
4 Foreign Money Offers
5 Health Care
6 Internet Auctions
7 Internet Services and Computer Complaints
8 Investments
9 Magazines and Buyers Clubs
10 Multi-Level Mktg/Pyramids/Chain Letters
11 Office Supplies and Services
12 Prizes/Sweepstakes and Lotteries
13 Shop-at-Home/Catalog Sales
14 Telephone Services
15 Travel, Vacations and Timeshare

Amount Paid
Reported

$730,251
$1,432,719
$374,302
$2,152,920
$93,412
$437,708
$271,461
$3,925,153
$25,917
$151,381
$2,761
$24,039,765
$633,078
$84,851
$636,229

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.
Note: A complaint may contain information from multiple consumers.
Federal Trade Commission

Page 12 of 282

Created May 12, 2005

Identity Theft Records from Consumers Age 50 and Over
by Calendar Year 1

60
- Requests for Information

50

51,454

- Complaints

(75%)

(in thousands)

44,515
(64%)

40
31,401

30

(71%)

24,738
(36%)

20

17,413
12,621

10

(25%)

(29%)

0
CY 2002

CY 2003

CY 2004

1Percentages are based on the number of identity theft records received from consumers age 50 and over by calendar year.

Federal Trade Commission

Page 13 of 282

Created May 12, 2005

How Victims' Information is Misused for Consumers Age 50 and Over1
Calendar Years 2002 through 2004
Loan Fraud

Credit Card Fraud
Theft Subtype
New Accounts
Existing Account
Unspecified
Total

Percentage

Percentage

Percentage

CY 2002

CY 2003

CY 2004

30.7%
18.7%
0.5%
48%

23.0%
18.1%
0.2%
40%

19.6%
18.5%
0.1%
37%

Percentage

Percentage

Percentage

CY 2002

CY 2003

CY 2004

11.3%
4.1%
2.0%

10.7%
4.6%
2.2%

9.9%
5.1%
2.6%

0.7%
0.4%
17%

0.7%
0.2%
17%

0.8%
0.2%
17%

Percentage

Percentage

Percentage

Insurance
Apartment or House Rented
Bankruptcy
Securities / Other Investments

CY 2002

CY 2003

CY 2004

Property Rental Fraud

9.3%
3.6%
2.7%
0.3%
15%

8.9%
5.4%
2.7%
0.1%
16%

9.2%
7.0%
2.7%
0.1%
18%

3

Percentage

Percentage

Percentage

CY 2002

CY 2003

CY 2004

3%

5%

5%

Phone or Utilities Fraud
Theft Subtype
Wireless - New
Telephone - New
Utilities - New
Unauthorized Charges
to Existing Accounts
Unspecified
Total

Bank Fraud2
Theft Subtype
Existing Accounts
Electronic Fund Transfer
New Accounts
Unspecified
Total

Employment-Related Fraud
Theft Subtype
Employment-Related Fraud

Theft Subtype
Business / Personal /
Student Loan
Auto Loan / Lease
Real Estate Loan
Unspecified
Total

Percentage

Percentage

Percentage

CY 2002

CY 2003

CY 2004

2.9%
1.7%
1.0%
0.4%
6%

2.2%
1.7%
1.1%
0.2%
5%

2.8%
1.6%
1.1%
0.1%
5%

Other Identity Theft
Percentage

Percentage

Percentage

Theft Subtype
Other
Medical
Internet/Email
Illegal or Criminal

CY 2002

CY 2003

CY 2004

6.6%
1.3%
1.3%
0.8%

9.7%
1.7%
1.6%
0.7%

11.9%
1.7%
1.6%
0.8%

3

—
0.5%
0.3%
0.4%

0.3%
0.4%
0.3%
0.2%

0.5%
0.4%
0.3%
0.2%

—

0.1%

0.2%

—

0.1%

0.2%

—
11%

0.1%
15%

0.1%
18%

Percentage

Percentage

Percentage

CY 2002

CY 2003

CY 2004

14%

13%

10%

3

Magazines

Child Support
Total

3

Attempted Identity Theft
Theft Subtype
Attempted Identity Theft

Government Documents or Benefits Fraud
Percentage

Percentage

Percentage

CY 2002

CY 2003

CY 2004

2.1%
0.6%
0.6%
1.6%
0.3%
<0.1%
5%

1.8%
1.4%
1.0%
0.2%
0.4%
<0.1%
5%

1.7%
1.7%
1.1%
0.2%
0.6%
<0.1%
5%

Theft Subtype
Driver’s License Issued / Forged
Fraudulent Tax Return
Government Benefits Applied / Received
Social Security Card Issued / Forged
Other Government Docs Issued / Forged
Unspecified
Total

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 2002 = 31,401; CY 2003 = 44,515; CY 2004 = 51,454. Note that percentages total to more than
100 in each year because some victims reported experiencing more than one type of identity theft: 21% in CY 2002; 17% in CY
2003; and 17% in CY 2004.
2Includes fraud involving checking and savings accounts and electronic fund transfers.
3Theft subtype added in CY 2003.

Federal Trade Commission

Page 14 of 282

Created May 12, 2005

Identity Theft Complaints by Victim Age1
January 1 – December 31, 2004
29%

30

25%
20%

20

Victims
Age 50 and Over:
51,454 (22%)
12%

10

6%

4%

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 (234,263). 95% of victims
reported their age.

Law Enforcement Contact
for Consumers Age 50 and Over2
January 1 – December 31, 2004
8% of Victims
Notified a
Police Department
and a Report
Was NOT Taken

55% of Victims
Did Not Notify Any
Police Department

37% of Victims
Notified a
Police Department
and a Report
Was Taken

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 (50,372). Less than one percent of victims did not indicate if a report was taken when a police
department was notified.

Federal Trade Commission

Page 15 of 282

Created May 12, 2005

FRAUD COMPLAINTS BY CONSUMER STATE

IDENTITY THEFT VICTIMS BY STATE

January 1 - December 31, 2004

Rank Consumer State
1 Alaska
2 Nevada
3 Washington
4 Arizona
5 Colorado
6 Delaware
7 California
8 Utah
9 Wyoming
10 Idaho
11 Hawaii
12 Oregon
13 Maryland
14 Florida
15 Virginia
16 Montana
17 New Hampshire
18 New Mexico
19 Texas
20 Michigan
21 Georgia
22 Ohio
23 Indiana
24 Pennsylvania
25 Oklahoma
26 Missouri
27 New Jersey
28 Alabama
29 Maine
30 New York
31 Illinois
32 Kansas
33 South Carolina
34 Massachusetts
35 North Carolina
36 Connecticut
37 Nebraska
38 Rhode Island
39 Tennessee
40 Wisconsin
41 West Virginia
42 Vermont
43 Minnesota
44 Louisiana
45 Kentucky
46 North Dakota
47 South Dakota
48 Mississippi
49 Arkansas
50 Iowa

Age 50 and Over
Complaints
Per 100,000
No. of
Complaints
Population1
275
179.0
1,051
162.4
2,753
154.8
2,484
153.9
1,731
146.1
343
136.6
12,087
129.9
630
125.6
192
121.1
465
120.2
471
117.2
1,283
116.3
1,841
115.5
6,786
114.8
2,431
113.8
349
113.6
438
111.0
604
107.8
5,267
95.1
2,805
94.5
1,991
90.5
3,166
90.4
1,606
89.2
3,654
89.1
938
88.5
1,526
87.5
2,268
87.3
1,175
84.9
376
83.9
4,718
82.0
2,913
81.8
651
81.6
1,018
81.1
1,574
81.0
1,963
80.4
867
79.4
410
79.3
264
79.1
1,394
78.7
1,288
77.9
495
77.9
156
75.9
1,068
73.5
904
71.2
856
68.7
135
66.7
142
60.1
473
57.4
485
56.8
527
55.9

All Fraud Complaints
Per 100,000
Population2
174.4
151.3
151.2
180.5
142.5
126.6
130.6
122.5
127.9
112.3
143.1
132.3
131.3
128.0
134.4
118.8
133.4
124.3
95.3
108.8
96.8
114.0
114.9
119.2
97.7
111.2
114.0
91.5
102.1
107.7
116.1
111.8
109.3
108.7
97.1
119.0
114.6
100.8
91.6
120.6
101.1
109.3
103.6
80.3
88.4
90.0
86.0
66.8
75.7
89.5

Rank Victim State
1 Nevada
2 California
3 Arizona
4 Texas
5 Washington
6 New York
7 Colorado
8 Florida
9 Maryland
10 Oregon
11 Utah
12 Michigan
13 Georgia
14 Alaska
15 Illinois
16 New Jersey
17 New Mexico
18 Delaware
19 Missouri
20 Virginia
21 Indiana
22 North Carolina
23 Kansas
24 Pennsylvania
25 Tennessee
26 Ohio
27 Hawaii
28 Oklahoma
29 Massachusetts
30 Connecticut
31 South Carolina
32 Louisiana
33 Arkansas
34 Minnesota
35 Alabama
36 Idaho
37 Wisconsin
38 Nebraska
39 Mississippi
40 Rhode Island
41 New Hampshire
42 Kentucky
43 Montana
44 Wyoming
45 Vermont
46 West Virginia
47 Maine
48 Iowa
49 South Dakota
50 North Dakota

Age 50 and Over
Victims Per
100,000
No. of
Victims
Population1
649
100.3
8,702
93.6
1,466
90.8
4,504
81.3
1,334
75.0
4,140
72.0
846
71.4
4,178
70.7
1,110
69.7
758
68.7
334
66.6
1,952
65.8
1,416
64.4
96
62.5
2,130
59.8
1,477
56.9
317
56.6
135
53.7
891
51.1
1,022
47.8
849
47.1
1,142
46.8
357
44.7
1,742
42.5
750
42.4
1,479
42.3
170
42.3
443
41.8
802
41.3
451
41.3
499
39.7
501
39.5
337
39.5
572
39.3
518
37.4
138
35.7
541
32.7
168
32.5
267
32.4
104
31.1
119
30.1
367
29.5
86
28.0
43
27.1
53
25.8
146
23.0
101
22.5
209
22.2
50
21.2
35
17.3

All Victims
Per 100,000
Population2
125.7
122.1
142.5
117.6
91.1
92.0
95.8
92.3
83.0
87.8
76.6
72.3
84.3
66.1
87.6
75.1
83.4
66.6
67.9
63.6
68.5
65.8
61.3
61.0
55.0
60.7
50.7
56.0
61.1
57.1
51.2
49.9
50.8
57.0
48.9
43.1
48.0
45.1
46.5
50.6
41.8
40.1
39.3
42.2
33.5
34.2
32.2
34.8
23.2
29.6

1 Per 100,000 unit of population (age 50 and over) is based on the 2004 U.S. Census population estimates (Tables SC-EST2004-02 - Annual Estimates of the
Population by Sex and Age for [State]: April 1, 2000 to July 1, 2004).
2 Per 100,000 unit of population is based on the 2004 U.S. Census population estimates (Table NST-EST2004-01 - Annual Estimates of the Population for
the United States and States, and for Puerto Rico: April 1, 2000 to July 1, 2004).

Note: Numbers for the District of Columbia are: Fraud = 314 complaints and 198.3 complaints per 100,000 population (age 50 and over); Identity
Theft = 175 victims and 110.5 victims per 100,000 population (age 50 and over). Total fraud = 1,196 complaints and 216.1 complaints per 100,000
population; total Identity Theft = 922 victims and 166.6 victims per 100,000 population.
Federal Trade Commission

Page 16 of 282

Created May 12, 2005

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.
Federal Trade Commission

Appendix A: Page 17 of 282

Created May 12, 2005

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 offer 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 personally 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 ISPs; difficulty canceling an ISP account; undisclosed Web site charges;
problems with computer software and equipment purchases; and spyware.
Investments: Promises of riches in day trading, oil and gas leases, gold and gems, FCC licenses, etc. that don’t pan out.
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 you
didn’t make; unauthorized switching of your 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.

Federal Trade Commission

Appendix B: Page 18 of 282

Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Appendix C: Number of Sentinel fraud complaints from United States (U.S.) 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 (20), Minor Outlying Islands (5), Puerto Rico (260), and Virgin Islands (40). 2) Sentinel complaints
may contain information from multiple consumers.

Alabama
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
308
147
118
572

2003
419
193
150
760

2004
643
343
195
1,175

Sum:
1,370
683
463
2,507

2004
191
59
27
275

Sum:
459
179
91
727

2004
3,392
631
626
4,641

Sum:
4,750
1,304
1,324
7,370

2004
294
139
52
485

Sum:
660
285
153
1,098

Alaska
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
105
66
34
205

2003
163
54
30
247

Arizona
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
538
254
292
1,084

2003
820
419
406
1,645

Arkansas
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
120
55
55
230

Appendix C : Page 19 of 282

2003
246
91
46
383

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

California
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
3,072
1,399
1,277
5,742

2003
4,662
1,840
1,675
8,174

2004
7,046
2,789
2,294
12,087

Sum:
14,780
6,028
5,246
26,003

2004
1,064
385
289
1,731

Sum:
2,220
834
612
3,658

2004
588
195
87
867

Sum:
1,336
441
242
2,015

2004
168
92
87
343

Sum:
353
172
127
648

Sum:
459
173
94
725

Colorado
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
466
186
173
824

2003
690
263
150
1,103

Connecticut
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
305
104
68
477

2003
443
142
87
671

Delaware
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
76
27
15
118

2003
109
53
25
187

District Of Columbia
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
100
46
21

2003
157
57
31

2004
202
70
42

167

244

314

Appendix C : Page 20 of 282

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Florida
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
1,585
846
738
3,167

2003
2,540
1,145
818
4,502

2004
3,899
1,717
1,193
6,786

Sum:
8,024
3,708
2,749
14,455

2004
1,224
467
314
1,991

Sum:
2,602
968
644
4,198

2004
4
1
1
6

Sum:
13
4
3
20

2004
299
90
83
471

Sum:
615
228
230
1,072

Sum:
528
208
185
920

Georgia
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
534
207
107
846

2003
844
294
223
1,361

Guam
Calendar Year

2002
4

50 - 59
60 - 69
70 and Over
Sum:

2003
5
3
1
9

1
5

Hawaii
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
120
46
68
234

2003
196
92
79
367

Idaho
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
86
50
39

2003
165
60
55

2004
277
98
91

175

280

465

Appendix C : Page 21 of 282

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Illinois
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
778
313
304
1,394

2003
1,322
448
315
2,083

2004
1,787
609
524
2,913

Sum:
3,887
1,370
1,143
6,390

2004
946
388
287
1,606

Sum:
2,023
803
678
3,487

2004
341
109
78
527

Sum:
741
230
167
1,137

2004
427
142
82
651

Sum:
913
316
191
1,420

Sum:
1,045
563
304
1,908

Indiana
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
412
195
174
781

2003
665
220
217
1,100

Iowa
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
158
51
33
242

2003
242
70
56
368

Kansas
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
169
66
34
269

2003
317
108
75
500

Kentucky
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
195
77
81

2003
363
238
98

2004
487
248
125

353

699

856

Appendix C : Page 22 of 282

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Louisiana
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
241
127
83
450

2003
368
138
78
584

2004
562
199
144
904

Sum:
1,171
464
305
1,938

2004
236
79
61
376

Sum:
465
176
150
790

2004
1,122
460
266
1,841

Sum:
2,458
975
591
4,015

2004
974
330
275
1,574

Sum:
2,025
701
661
3,381

Sum:
3,305
1,319
1,210
5,824

Maine
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
88
33
55
176

2003
141
64
34
238

Maryland
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
560
199
148
905

2003
776
316
177
1,269

Massachusetts
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
426
153
170
749

2003
625
218
216
1,058

Michigan
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
633
259
267

2003
1,031
425
407

2004
1,641
635
536

1,156

1,863

2,805

Appendix C : Page 23 of 282

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Minnesota
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
279
96
79
454

2003
450
188
107
745

2004
682
223
168
1,068

Sum:
1,411
507
354
2,267

Minor Outlying Islands
Calendar Year

2003
2

50 - 59
70 and Over
Sum:

2004
2
1
3

2

Sum:
4
1
5

Mississippi
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
111
37
54
202

2003
196
68
59
322

2004
268
130
75
473

Sum:
575
235
188
997

2004
916
340
276
1,526

Sum:
2,161
812
737
3,704

Sum:
426
210
177
810

Missouri
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
452
195
173
820

2003
793
277
288
1,358

Montana
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
97
57
47

2003
152
65
43

2004
177
88
87

201

260

349

Appendix C : Page 24 of 282

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Nebraska
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
163
50
53
266

2003
163
60
71
293

2004
257
80
75
410

Sum:
583
190
199
969

2004
544
319
188
1,051

Sum:
1,163
637
426
2,226

2004
257
111
71
438

Sum:
562
245
220
1,025

2004
1,330
498
447
2,268

Sum:
2,867
1,101
965
4,924

Sum:
717
377
319
1,409

Nevada
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
253
128
89
470

2003
366
190
149
705

New Hampshire
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
139
56
73
267

2003
166
78
76
320

New Jersey
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
574
234
200
1,007

2003
963
369
318
1,649

New Mexico
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
154
110
113

2003
226
117
85

2004
337
150
121

377

428

604

Appendix C : Page 25 of 282

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

New York
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
1,118
504
398
2,018

2003
1,840
653
511
3,003

2004
2,790
1,112
836
4,718

Sum:
5,748
2,269
1,745
9,739

2004
1,242
448
281
1,963

Sum:
2,659
928
664
4,243

2004
79
32
24
135

Sum:
153
55
76
283

2004
1,847
729
608
3,166

Sum:
3,889
1,500
1,392
6,760

Sum:
1,178
493
396
2,066

North Carolina
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
564
193
151
908

2003
853
287
232
1,372

North Dakota
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
29
6
34
68

2003
45
17
18
80

Ohio
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
757
337
310
1,402

2003
1,285
434
474
2,192

Oklahoma
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
259
110
86

2003
388
164
121

2004
531
219
189

455

673

938

Appendix C : Page 26 of 282

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Oregon
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
416
158
76
650

2003
539
229
112
880

2004
827
290
168
1,283

Sum:
1,782
677
356
2,813

2004
2,177
768
721
3,654

Sum:
4,455
1,721
1,682
7,844

2004
93
50
14
156

Sum:
161
77
23
260

2004
155
61
50
264

Sum:
339
134
123
594

Sum:
1,858
576
372
2,799

Pennsylvania
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
897
402
453
1,750

2003
1,381
551
508
2,440

Puerto Rico
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
36
6
4
46

2003
32
21
5
58

Rhode Island
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
60
39
30
129

2003
124
34
43
201

South Carolina
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
246
132
74

2003
385
154
128

2004
1,227
290
170

452

667

1,680

Appendix C : Page 27 of 282

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

South Dakota
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
36
12
10
58

2003
67
29
37
133

2004
80
33
29
142

Sum:
183
74
76
333

2004
855
331
215
1,394

Sum:
1,815
704
547
3,059

2004
3,188
1,292
799
5,267

Sum:
6,781
2,755
1,935
11,457

2004
338
152
142
630

Sum:
723
312
325
1,356

Sum:
224
75
27
325

Tennessee
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
384
169
166
719

2003
576
204
166
946

Texas
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
1,479
592
513
2,584

2003
2,114
871
623
3,606

Utah
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
133
69
84
284

2003
252
91
99
442

Vermont
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
48
9
7

2003
62
37
6

2004
114
29
14

64

105

156

Appendix C : Page 28 of 282

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Virginia
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
721
243
225
1,189

2003
1,109
383
280
1,771

2004
1,511
553
374
2,431

Sum:
3,341
1,179
879
5,391

8

2004
13
5
1
19

Sum:
25
13
2
40

2003
1,014
354
346
1,713

2004
1,472
752
542
2,753

Sum:
3,190
1,381
1,071
5,626

2004
282
179
34
495

Sum:
621
301
151
1,072

Sum:
1,652
612
475
2,733

Virgin Islands
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
6
6
1
13

2003
6
2

Washington
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
704
275
183
1,160

West Virginia
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
146
64
69
278

2003
193
58
48
299

Wisconsin
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
300
120
157

2003
506
195
168

2004
846
297
150

577

868

1,288

Appendix C : Page 29 of 282

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Wyoming
Calendar Year

50 - 59
60 - 69
70 and Over
Sum:

2002
55
15
25
95

Appendix C : Page 30 of 282

2003
70
19
10
99

2004
116
51
25
192

Sum:
241
85
60
386

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Appendix D: Top Sentinel fraud complaint categories for United States (U.S.)
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 (20), Minor Outlying Islands (5), Puerto Rico (260), and Virgin Islands (40). 2) Sentinel
complaints may contain information from multiple consumers.

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 31 of 282

2002
2,848
2,089
3,906
2,940
4,124
5,025
612
1,061
423
370
5,318
4,228
2,389
759

2003
2,868
2,311
11
4,929
1,500
8,542
7,902
630
1,242
442
555
8,117
8,089
3,662
1,104

2004
3,072
2,988
1,269
8,340
2,075
15,783
9,312
868
1,655
555
1,158
11,803
8,658
4,716
1,141

Sum:
8,788
7,388
1,280
17,175
6,515
28,449
22,239
2,110
3,958
1,420
2,083
25,238
20,975
10,767
3,004

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Appendix D: Top Sentinel fraud complaint categories for United States
(U.S.) 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 (20), Minor Outlying Islands (5), Puerto Rico (260), and Virgin Islands (40). 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

Appendix D: Page 32 of 282

2002
1,896
1,389
2,555
873
3,113
3,380
292
508
285
279
863
2,524
1,309
414

2003
1,858
1,463
8
3,381
728
6,497
5,271
321
642
297
372
1,468
5,000
2,109
602

2004
2,032
1,915
735
5,464
1,082
11,812
5,917
391
815
364
799
2,691
5,349
2,593
621

Sum:
5,786
4,767
743
11,400
2,683
21,422
14,568
1,004
1,965
946
1,450
5,022
12,873
6,011
1,637

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

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 33 of 282

2002
637
495
1,052
861
816
1,171
175
312
108
67
1,013
989
673
226

2003
653
548
2
1,222
434
1,710
1,891
163
341
107
130
1,503
1,886
957
331

2004
707
683
351
2,233
552
3,347
2,406
254
463
130
269
2,309
2,114
1,307
319

Sum:
1,997
1,726
353
4,507
1,847
5,873
5,468
592
1,116
345
466
4,825
4,989
2,937
876

Federal Trade Commission
Created May 12, 2005

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 34 of 282

2002
321
205
299
1,210
195
476
146
244
30
25
3,451
715
416
120

2003
360
301
1
327
338
335
740
147
262
38
53
5,160
1,206
601
171

2004
350
394
188
651
473
624
1,005
231
395
61
93
6,963
1,199
856
210

Sum:
1,031
900
189
1,277
2,021
1,154
2,221
524
901
129
171
15,574
3,120
1,873
501

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Appendix D: Top Sentinel fraud complaint categories for United States
(U.S.) 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 (20), Minor Outlying Islands (5), Puerto Rico (260), and Virgin Islands (40). 2) Sentinel
complaints may contain information from multiple consumers.

Alabama

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 282

2002
54
32

2003
58
22

45
33
63
81
7
14
3
3
85
62
34
11

50
28
108
104
7
14
4
4
110
107
63
20

2004
43
41
28
137
34
202
128
15
33
10
23
175
114
63
11

Sum:
155
95
28
232
95
373
313
29
61
17
30
370
283
160
42

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Alaska

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 282

2002
25
4

2003
22
3

18
12
23
30
5
11
1
3
36
13
6
4

21
5
36
29
4
5
2
5
51
25
10
4

2004
16
6
1
38
5
47
21
1
13
1
8
56
22
6
4

Sum:
63
13
1
77
22
106
80
10
29
4
16
143
60
22
12

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Arizona

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 282

2002
79
46

2003
83
65

98
93
122
95
18
22
8
8
170
111
63
16

139
33
212
204
18
28
13
14
283
184
80
35

2004
76
86
51
245
52
430
254
30
42
15
21
462
216
97
28

Sum:
238
197
51
482
178
764
553
66
92
36
43
915
511
240
79

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Arkansas

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 282

2002
19
17

2003
26
17

16
30
24
30
1
4

43
8
70
61
4
4
5
3
12
61
29
11

4
7
38
12
4

2004
15
16
20
52
4
129
59
4
6
6
6
31
61
18
4

Sum:
60
50
20
111
42
223
150
9
14
11
13
50
160
59
19

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

California

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 282

2002
400
321
663
328
583
744
121
160
85
74
851
591
292
119

2003
338
326
1
740
198
1,278
1,088
98
189
58
82
1,272
1,150
469
147

2004
483
427
79
1,335
330
2,149
1,309
144
286
78
205
1,716
1,300
544
170

Sum:
1,221
1,074
80
2,738
856
4,010
3,141
363
635
221
361
3,839
3,041
1,305
436

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Colorado

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 282

2002
66
56

2003
39
54

89
52
87
99
14
28
8
10
84
80
37
16

129
20
180
157
16
21
14
6
134
146
53
15

2004
53
82
9
268
42
331
181
20
36
10
19
226
159
65
21

Sum:
158
192
9
486
114
598
437
50
85
32
35
444
385
155
52

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Connecticut

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 41 of 282

2002
40
31

2003
30
33

61
49
51
62
10
10
7
1
23
66
17
4

64
8
126
115
8
18
6
9
40
111
28
9

2004
41
23
8
93
21
232
89
8
8
7
7
60
101
39
11

Sum:
111
87
8
218
78
409
266
26
36
20
17
123
278
84
24

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Delaware

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 282

2002
9
9

2003
18
5

5
8
12
21
2
3
1
2
12
13
13
3

12
8
19
28
3
2
1
27
24
15
2

2004
7
12
5
15
12
38
34
7
6
4
6
87
36
19
4

Sum:
34
26
5
32
28
69
83
12
11
5
9
126
73
47
9

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

District Of Columbia

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 282

2002
20
9

2003
24
14

21
5
7
38

15
5
13
73
3
4

14
1
5
11
8
9
8

4
29
17
25
10

2004
11
8
3
19
8
24
85
1
14
1
5
43
29
16
9

Sum:
55
31
3
55
18
44
196
4
32
2
14
83
54
50
27

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Florida

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 282

2002
204
199

2003
201
210

352
495
313
409
58
97
33
19
131
324
236
57

481
171
683
731
59
106
35
38
309
647
360
91

2004
269
258
103
699
202
1,178
832
101
115
46
75
630
663
443
99

Sum:
674
667
103
1,532
868
2,174
1,972
218
318
114
132
1,070
1,634
1,039
247

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Georgia

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 282

2002
59
41

2003
83
67

95
46
86
123
17
25
10
5
98
80
59
20

109
34
180
186
20
34
2
8
178
193
104
31

2004
96
71
40
229
50
324
222
22
52
14
32
269
190
132
34

Sum:
238
179
40
433
130
590
531
59
111
26
45
545
463
295
85

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Guam

Advance-Fee Loans and Credit Protection/Repair
Business Opps and Work-at-Home Plans
Internet Auctions
Internet Services and Computer Complaints
Investments
Magazines and Buyers Clubs
Shop-at-Home/Catalog Sales
Telephone Services

Appendix D: Page 46 of 282

2002

2003

1
2
2

3
1

2004
1
1
2
1
1

4
1

Sum:
1
1
6
4
2
1
4
1

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Hawaii

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 282

2002
10
12

2003
18
14

23
4
30
26
3
1
2
2
37
23
10
2

23
5
62
36
3
8
3
6
86
59
8
1

2004
17
9
8
32
8
105
48
2
6
2
11
87
75
21
5

Sum:
45
35
8
78
17
197
110
8
15
7
19
210
157
39
8

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Idaho

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 48 of 282

2002
11
6

2003
17
10

18
4
28
28
2
1
1

18
4
60
28

34
18
12
1

5
3
1
54
38
15
3

2004
17
18
14
41
11
122
44
3
7
1
5
77
40
17
8

Sum:
45
34
14
77
19
210
100
5
13
5
6
165
96
44
12

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Illinois

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 282

2002
94
82

2003
106
78

127
92
156
153
23
30
9
12
239
162
112
22

113
56
313
237
17
35
13
15
304
296
149
47

2004
107
114
49
221
61
582
302
17
57
17
42
449
326
189
43

Sum:
307
274
49
461
209
1,051
692
57
122
39
69
992
784
450
112

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Indiana

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 282

2002
64
46

2003
59
36

55
44
98
77
6
18
5
7
173
74
37
19

83
38
157
134
12
26
16
14
174
148
85
14

2004
74
48
12
196
41
311
144
22
25
10
20
252
134
101
18

Sum:
197
130
12
334
123
566
355
40
69
31
41
599
356
223
51

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Iowa

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 282

2002
32
10

2003
23
10

36
12
29
25
2
8
3
2
13
32
12
3

27
8
83
52
6
7
4
1
28
59
16
8

2004
19
24
13
47
17
145
55
3
12
4
5
38
73
22
6

Sum:
74
44
13
110
37
257
132
11
27
11
8
79
164
50
17

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Kansas

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 282

2002
28
19

2003
17
17

32
14
31
21
3
12
5

111
14
87
55
10
6
8
2
54
52
25
8

25
21
19
6

2004
30
28
15
75
20
146
67
12
10
6
8
56
73
37
8

Sum:
75
64
15
218
48
264
143
25
28
19
10
135
146
81
22

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Kentucky

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 282

2002
27
18
25
20
36
44
2
4
6
3
76
34
21
6

2003
28
22
1
180
18
91
65
3
10
4
8
93
83
28
7

2004
32
27
8
88
17
194
83
9
15
5
10
113
117
41
8

Sum:
87
67
9
293
55
321
192
14
29
15
21
282
234
90
21

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Louisiana

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 282

2002
38
18

2003
36
21

37
26
49
54
7
13
3
4
73
39
16
6

35
17
91
91
4
16
3
4
60
85
34
11

2004
48
44
15
89
23
173
88
7
16
8
20
101
105
48
14

Sum:
122
83
15
161
66
313
233
18
45
14
28
234
229
98
31

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Maine

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 282

2002
14
10

2003
5
12

14
6
13
41
1
6
1

19
6
40
46
3
4
1
1
21
40
18
4

29
17
6
5

2004
7
8
10
38
11
69
69
8
2
3
39
46
24
3

Sum:
26
30
10
71
23
122
156
4
18
4
4
89
103
48
12

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Maryland

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 282

2002
60
53

2003
73
45

109
50
85
146
15
27
9
8
69
120
48
27

127
38
170
203
15
32
10
10
106
172
92
42

2004
91
52
17
164
43
313
264
18
53
6
9
201
211
122
34

Sum:
224
150
17
400
131
568
613
48
112
25
27
376
503
262
103

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Massachusetts

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 282

2002
40
24
72
41
109
92
9
16
4
9
138
76
45
14

2003
35
27
1
70
28
182
148
13
24
8
15
186
176
41
24

2004
73
32
24
138
32
303
182
9
27
8
16
226
166
98
16

Sum:
148
83
25
280
101
594
422
31
67
20
40
550
418
184
54

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Michigan

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 282

2002
72
56
117
98
116
99
12
40
19
12
210
114
74
14

2003
83
71
1
134
46
254
187
27
38
16
21
428
256
108
40

2004
82
110
47
235
73
539
225
23
64
24
35
567
265
146
30

Sum:
237
237
48
486
217
909
511
62
142
59
68
1,205
635
328
84

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Minnesota

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 282

2002
32
32

2003
37
46

47
41
56
62
3
10
9
6
39
46
28
11

64
14
110
79
4
9
6
1
133
94
54
17

2004
26
37
13
125
14
223
105
15
9
7
11
155
111
43
25

Sum:
95
115
13
236
69
389
246
22
28
22
18
327
251
125
53

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Minor Outlying Islands

Internet Services and Computer Complaints
Shop-at-Home/Catalog Sales
Telephone Services

Appendix D: Page 60 of 282

2003
1
1

2004
2
1

Sum:
1
3
1

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Mississippi

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 282

2002
27
7

2003
22
11

13
15
12
13
4
6
2
2
46
25
15
2

26
12
50
28
11
2
1
52
40
36
5

2004
27
15
10
36
9
89
51
2
9
1
8
80
47
31
6

Sum:
76
33
10
75
36
151
92
6
26
5
11
178
112
82
13

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Missouri

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 62 of 282

2002
55
43

2003
48
50

62
93
84
116
11
22
5
5
149
77
31
12

108
55
150
330
13
36
7
7
249
155
45
29

2004
50
66
20
150
31
338
146
12
28
11
21
222
159
85
17

Sum:
153
159
20
320
179
572
592
36
86
23
33
620
391
161
58

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Montana

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 63 of 282

2002
23
10

2003
9
11

11
11
19
18
6
4

23
5
43
36
2
4
2
2
47
28
17
7

6
44
22
12
3

2004
5
14
7
30
6
64
31
4
5
2
10
77
41
10
1

Sum:
37
35
7
64
22
126
85
12
13
4
18
168
91
39
11

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Nebraska

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 64 of 282

2002
11
20

2003
18
11

28
13
24
17
4
2
45

21
6
47
30

44
15
15
2

4
1
2
66
39
21
2

2004
16
13
9
21
11
83
37
2
13
1
3
74
52
23
7

Sum:
45
44
9
70
30
154
84
6
19
47
5
184
106
59
11

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Nevada

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 65 of 282

2002
46
26
36
33
52
54
5
11
3
8
55
63
34
7

2003
36
54
1
38
24
93
90
4
16
9
8
101
122
42
16

2004
32
87
17
90
22
210
104
12
19
12
18
139
113
53
16

Sum:
114
167
18
164
79
355
248
21
46
24
34
295
298
129
39

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

New Hampshire

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 66 of 282

2002
18
11

2003
19
7

21
12
25
46
6
3
1
2
61
27
16
5

34
4
43
46
1
6
7
66
43
13
6

2004
9
15
15
34
17
84
49
2
10
3
3
72
52
25
3

Sum:
46
33
15
89
33
152
141
9
19
4
12
199
122
54
14

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

New Jersey

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 67 of 282

2002
75
51

2003
73
60

72
106
118
158
19
25
10
3
78
148
64
20

107
38
244
270
12
40
15
12
204
303
97
42

2004
81
70
36
195
67
438
248
22
38
14
21
362
255
170
25

Sum:
229
181
36
374
211
800
676
53
103
39
36
644
706
331
87

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

New Mexico

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 68 of 282

2002
38
7

2003
26
15

28
10
25
47
4
9
2
2
120
32
18
4

31
11
67
62
4
8
7
7
76
42
24
2

2004
21
23
16
57
17
109
76
8
18
13
99
60
19

Sum:
85
45
16
116
38
201
185
16
35
9
22
295
134
61
6

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

New York

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 69 of 282

2002
117
93

2003
122
113

149
177
269
259
25
45
12
13
163
283
167
52

201
76
520
379
33
72
16
26
403
484
224
57

2004
163
138
103
347
112
919
499
53
79
26
57
716
502
377
63

Sum:
402
344
103
697
365
1,708
1,137
111
196
54
96
1,282
1,269
768
172

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

North Carolina

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 70 of 282

2002
73
49
87
60
92
132
16
31
6
10
90
112
72
22

2003
76
55
1
84
31
201
174
25
29
14
11
188
218
127
30

2004
71
70
18
161
53
352
266
16
36
7
30
263
193
130
22

Sum:
220
174
19
332
144
645
572
57
96
27
51
541
523
329
74

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

North Dakota

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 71 of 282

2002
9
3

2003
10
1

5
1
4
8
1

5
2
15
5
3

27
5
1

20
11
3

2004
4
3
3
17
1
34
11
2
3
1
3
25
10
2

Sum:
23
7
3
27
4
53
24
3
6
1
3
72
26
5
1

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Ohio

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 72 of 282

2002
125
64
93
91
148
143
20
47
8
11
245
152
106
32

2003
169
75
1
119
57
292
234
22
33
10
21
393
324
135
46

2004
111
102
50
262
85
557
351
35
68
22
38
577
321
211
53

Sum:
405
241
51
474
233
997
728
77
148
40
70
1,215
797
452
131

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Oklahoma

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 73 of 282

2002
41
31

2003
35
39

55
30
55
54
1
8
2
5
57
48
19
4

79
19
92
87
9
16
9
5
91
87
33
9

2004
22
29
11
105
22
184
108
22
27
7
14
152
91
38
5

Sum:
98
99
11
239
71
331
249
32
51
18
24
300
226
90
18

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Oregon

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 74 of 282

2002
28
40

2003
28
39

81
37
95
87
17
18
7
7
22
89
52
14

86
21
135
155
11
23
11
19
52
131
62
10

2004
34
62
8
169
34
265
190
8
24
8
26
75
125
62
21

Sum:
90
141
8
336
92
495
432
36
65
26
52
149
345
176
45

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Pennsylvania

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 75 of 282

2002
141
87

2003
117
81

113
151
149
231
14
46
13
20
372
191
101
24

170
53
358
320
15
42
15
22
456
402
138
33

2004
131
131
64
246
98
708
410
27
72
25
45
630
395
263
54

Sum:
389
299
64
529
302
1,215
961
56
160
53
87
1,458
988
502
111

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Puerto Rico
2002
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 76 of 282

9
3
1
8
11
1
1
1
1
6
2

2003
4
2
2
1
13
9
1
1
2
16
3

2004
20
8
2
8
5
23
20
3
4

21
9
21

Sum:
24
19
2
13
7
44
40
4
6
2
2
1
43
14
21

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Rhode Island

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 77 of 282

2002
9
2

2003
5
7

11
14
12
10
1
2
1
1
38
13
5

19
4
32
21
1
5
2
2
29
45
5
7

2004
14
9
11
14
3
59
29
1
5
1
3
39
28
14
3

Sum:
28
18
11
44
21
103
60
3
12
4
6
106
86
24
10

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

South Carolina

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 78 of 282

2002
43
23
43
49
49
63
6
17
3
4
35
39
36
8

2003
50
26
1
50
20
95
86
9
26
9
8
84
87
52
16

2004
34
29
25
184
15
186
112
5
10
6
5
177
95
53
6

Sum:
127
78
26
277
84
330
261
20
53
18
17
296
221
141
30

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

South Dakota

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 79 of 282

2002
2
2

2003
3
3

4
2
10
8

13
1
19
20
1
1
1
3
38
12
3
2

1
1
2
8
9
4

2004
3
5
4
9
2
48
9
3
1
24
21
3

Sum:
8
10
4
26
5
77
37
1
5
2
6
70
42
10
2

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Tennessee

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 80 of 282

2002
42
33

2003
56
36

55
81
58
90
13
18
6
7
140
68
40
12

73
16
147
134
7
25
7
13
146
130
58
13

2004
51
46
15
129
24
309
176
4
26
10
15
172
157
70
15

Sum:
149
115
15
257
121
514
400
24
69
23
35
458
355
168
40

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Texas

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 81 of 282

2002
228
153

2003
214
192

309
142
237
354
45
57
16
16
340
285
132
60

342
113
540
486
44
69
30
36
419
484
222
44

2004
207
222
122
612
143
937
632
64
100
43
81
580
509
269
73

Sum:
649
567
122
1,263
398
1,714
1,472
153
226
89
133
1,339
1,278
623
177

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Utah

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 82 of 282

2002
13
10

2003
19
16

34
24
31
36
8
7
1
2
69
15
9
5

40
19
65
61
7
7
5
3
89
38
27
11

2004
17
20
11
66
14
115
62
1
7
1
4
163
44
26
9

Sum:
49
46
11
140
57
211
159
16
21
7
9
321
97
62
25

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Vermont

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 83 of 282

2002
3

2003
8
5

9
1
9
14

14
2
16
12
1
3
2
1
2
23
4
2

1
1
3
6
7
1
1

2004
3
8
2
12
4
41
27
3
3
2
20
11
6
2

Sum:
14
13
2
35
7
66
53
4
7
3
6
28
41
11
5

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Virginia

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 84 of 282

2002
66
57

2003
121
76

168
49
100
188
11
40
18
11
136
128
85
31

137
37
207
306
23
63
14
25
186
224
146
45

2004
107
75
43
227
54
391
314
22
56
24
40
291
245
178
51

Sum:
294
208
43
532
140
698
808
56
159
56
76
613
597
409
127

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Virgin Islands
2002
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
Office Supplies and Services
Prizes/Sweepstakes and Lotteries
Shop-at-Home/Catalog Sales
Travel, Vacations and Timeshare

Appendix D: Page 85 of 282

2003
1
1

6
1

2
2
2

1
1

2004
1
2
2
5
1
2

Sum:
2
1
8
2
8
2
1
4
1
1

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Washington

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 86 of 282

2002
59
62
144
78
122
159
14
50
19
21
94
114
97
21

2003
56
64
2
197
30
255
235
19
27
10
19
284
198
132
26

2004
54
80
24
276
58
500
277
30
38
21
48
508
242
131
32

Sum:
169
206
26
617
166
877
671
63
115
50
88
886
554
360
79

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

West Virginia

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 87 of 282

2002
27
17

2003
31
8

26
21
30
28
4
6
2
2
56
13
13
5

27
8
39
31
2
9
2
36
48
18
9

2004
11
16
20
124
10
87
45
2
9
2
9
22
48
29
5

Sum:
69
41
20
177
39
156
104
8
24
4
13
114
109
60
19

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Wisconsin

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 88 of 282

2002
29
26
54
28
68
70
13
8
2
6
144
67
18
12

2003
26
21
1
71
23
134
105
9
17
8
17
156
116
62
28

2004
34
40
8
125
29
287
128
13
24
14
30
118
164
69
18

Sum:
89
87
9
250
80
489
303
35
49
24
53
418
347
149
58

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Wyoming

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 89 of 282

2002
4
2

2003
7
8

11
7
10
10

6
3
20
9

3
3
2
16
12
7
1

2
1
1
13
13
5
6

2004
5
11
3
14
2
50
16
1
2
1
7
27
22
11
4

Sum:
16
21
3
31
12
80
35
1
7
5
10
56
47
23
11

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Appendix D: Top Sentinel fraud complaint categories for United States (U.S.)
consumers reporting age 50 and over by consumer state and 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 (20), Minor Outlying Islands (5), Puerto Rico (260), and Virgin Islands (40). 2) Sentinel
complaints may contain information from multiple consumers.

Alabama
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

Appendix D: Page 90 of 282

2002
40
22

2003
41
18

28
9
38
53
4
7
2
2
22
33
13
5

36
15
75
66
4
3
2
2
26
53
37
11

2004
23
26
16
63
15
139
81
8
13
7
20
50
60
37
5

Sum:
104
66
16
127
39
252
200
16
23
11
24
98
146
87
21

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

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

2002
10
9

2003
10
3

2004
12
9
8
60
15
55
34
4
12
3
3
34
43
21
3

Sum:
32
21
8
85
33
103
85
7
22
5
6
66
86
55
13

14
11
19
21
1
4
1
15
17
16
4

11
7
29
30
2
6
2
2
17
26
18
6

2002
5
1

2003
7
1
3
6
4
8
1
5

2004
8
6
4
14
5
8
13
3
9

68
29
8
3

94
11
6
3

Sum:
20
8
4
20
24
18
28
6
17
1
210
52
19
8

3
13
6
7
2
3
1
48
12
5
2

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
Prizes/Sweepstakes and Lotteries
Shop-at-Home/Catalog Sales
Telephone Services
Travel, Vacations and Timeshare

Appendix D: Page 91 of 282

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Alaska
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

2002
16
2

2003
16
3

10
2
20
17
3
6
1
2
7
6
2
2

17
2
30
27
1
3
1
4
19
17
3
4

2002
5
2
8
6
3
12

2003
6

2004
11
5
1
32
2
41
12
1
7
1
8
29
17
5
4

Sum:
43
10
1
59
6
91
56
5
16
3
14
55
40
10
10

2004
2
1
3
3
5
7

Sum:
13
3
14
11
13
21
1
7
1
1
47
11
10
1

Age Range 60 - 69

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
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 92 of 282

3

15
3
3
1

3
2
5
2
1
2
1
1
13
5
6

2

19
3
1

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Age Range 70 and Over

Advance-Fee Loans and Credit Protection/Repair
Foreign Money Offers
Health Care
Internet Auctions
Internet Services and Computer Complaints
Investments
Magazines and Buyers Clubs
Office Supplies and Services
Prizes/Sweepstakes and Lotteries
Shop-at-Home/Catalog Sales
Telephone Services
Travel, Vacations and Timeshare

Appendix D: Page 93 of 282

2002
4
4
1
2
2
1
14
4
1
1

2003
1
1
1

2004
3
3
1
2

2
4
19
3
1

10
2

Sum:
7
4
5
2
3
4
6
1
43
9
2
1

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Arizona
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

2002
53
32

2003
34
42

69
22
78
58
7
9
7
5
12
67
25
5

84
15
146
105
4
11
8
10
36
103
35
16

2002
17
10

2003
33
11

23
32
34
24
8
6
1
2
19
24
20
6

36
11
53
74
6
10
4
3
33
46
27
13

2004
40
50
23
142
22
293
140
13
18
8
13
66
121
44
11

Sum:
127
124
23
295
59
517
303
24
38
23
28
114
291
104
32

2004
19
18
13
72
16
109
81
7
13
5
6
82
56
30
12

Sum:
69
39
13
131
59
196
179
21
29
10
11
134
126
77
31

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 94 of 282

Federal Trade Commission
Created May 12, 2005

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 95 of 282

2002
9
4

2003
16
12

6
39
10
13
3
7

19
7
13
25
8
7
1
1
214
35
18
6

1
139
20
18
5

2004
18
18
15
31
15
28
34
10
11
2
2
318
39
23
5

Sum:
43
34
15
56
61
51
72
21
25
3
4
671
94
59
16

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Arkansas
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

2002
17
9

2003
20
12

5
4
17
13

34
4
56
37
2

3
3
1
27
5

3
1
3
35
16
3

2002
1
4

2003
5
2

9
9
3
12

7
1
14
14
1
3
1
1
1
18
11
6

2004
11
10
12
29
2
86
30
2
3
4
3
15
42
9
4

Sum:
48
31
12
68
10
159
80
4
6
7
7
19
104
30
7

2004
3
3
5
17
2
35
23
1
3

Sum:
9
9
5
33
12
52
49
2
7
1
4
8
36
19
9

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 96 of 282

1

2
5
1
3

3
5
13
7

Federal Trade Commission
Created May 12, 2005

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 97 of 282

2002
1
4

2003
1
3

2
17
4
5
1

2
3

1
4
6
6
1

10
1
1
1
1
8
8
2
2

2004
1
3
3
6
8
6
1
2
11
6
2

Sum:
3
10
3
10
20
12
21
3
1
3
2
23
20
10
3

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

California
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

2002
262
213
390
116
424
511
56
71
41
52
109
338
157
70

2003
209
215
1
496
88
975
708
47
104
39
50
184
708
279
78

2004
315
281
47
852
170
1,586
828
59
133
44
133
372
803
291
80

Sum:
786
709
48
1,738
374
2,985
2,047
162
308
124
235
665
1,849
727
228

2002
87
83

2003
67
69

235
71
126
160
24
50
39
19
146
147
80
32

187
60
250
265
24
43
14
23
231
276
105
48

2004
104
97
20
355
86
470
316
37
82
27
47
292
315
155
54

Sum:
258
249
20
777
217
846
741
85
175
80
89
669
738
340
134

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 98 of 282

Federal Trade Commission
Created May 12, 2005

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 99 of 282

2002
52
25

2003
62
42

38
141
33
73
41
40
5
4
598
106
56
17

57
50
53
115
27
42
5
9
859
166
86
21

2004
66
49
12
129
76
93
168
51
72
7
25
1,073
182
105
37

Sum:
180
116
12
224
267
179
356
119
154
17
38
2,530
454
247
75

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Colorado
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

2002
43
38

2003
29
32

42
17
64
66
4
15
6
9
18
44
18
9

92
9
134
113
11
8
10
3
26
103
30
9

2002
13
8

2003
7
16

40
15
18
12
5
5
1
1
13
20
12
5

32
5
35
38
3
9
4

2004
31
57
5
160
29
250
122
10
17
7
14
48
104
42
11

Sum:
103
127
5
294
55
448
301
25
40
23
26
92
251
90
29

2004
14
19
4
95
8
70
36
4
11
2
5
25
34
16
5

Sum:
34
43
4
167
28
123
86
12
25
7
6
75
82
43
14

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 100 of 282

37
28
15
4

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Age Range 70 and Over

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
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 101 of 282

2002
10
10
7
20
5
21
5
8
1
53
16
7
2

2003
3
6
5
6
11
6
2
4
3
71
15
8
2

2004
8
7
13
5
11
23
6
8
1
157
21
9
5

Sum:
21
23
25
31
27
50
13
20
2
3
281
52
24
9

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Connecticut
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

2002
20
18

2003
24
28
45
4
96
75
3
9
6
3
8
76
17
6

2004
33
12
7
67
12
176
67
3
5
7
3
19
61
19
9

Sum:
77
58
7
163
28
313
187
13
21
19
7
30
179
47
18

51
12
41
45
7
7
6
1
3
42
11
3

2002
15
10
7
17
9
12
2
2
1

2003
3
5
10
3
25
35
4
3

2004
9
8
20
4
45
15
3
3

2
8
18
9
1

4
24
24
14
1

Sum:
27
23
37
24
79
62
9
8
1
6
39
54
29
2

Age Range 60 - 69

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
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 102 of 282

7
12
6

Federal Trade Commission
Created May 12, 2005

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
Office Supplies and Services
Prizes/Sweepstakes and Lotteries
Shop-at-Home/Catalog Sales
Telephone Services
Travel, Vacations and Timeshare

Appendix D: Page 103 of 282

2002
5
3

2003
4

3
20
1
5
1
1

9
1
5
5
1
6
4
24
17
2
2

13
12
1

2004
3
1
6
5
11
7
2
1
18
16
6
1

Sum:
9
6
1
18
26
17
17
4
8
4
55
45
8
4

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Delaware
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

2002
7
6

2003
11
2

4

10
4
13
17
3
1

12
15
2
1
1
2
2
9
10
2

1
6
14
8

2004
5
6
3
9
6
27
18
2
3
4
3
16
17
10
2

Sum:
23
14
3
23
10
52
50
7
5
5
6
24
40
28
4

2004
2
3
1
4
2
10
12
3
2
2
25
11
7
1

Sum:
9
9
1
7
9
14
26
3
3
2
36
21
15
4

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
Office Supplies and Services
Prizes/Sweepstakes and Lotteries
Shop-at-Home/Catalog Sales
Telephone Services
Travel, Vacations and Timeshare

Appendix D: Page 104 of 282

2002
2
3

2003
5
3

1
4

2
3
4
9

5
1
3
3
2
1

8
7
6
2

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Age Range 70 and Over

2002
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
Office Supplies and Services
Prizes/Sweepstakes and Lotteries
Shop-at-Home/Catalog Sales
Telephone Services
Travel, Vacations and Timeshare

Appendix D: Page 105 of 282

4

2003
2

1

1
2
2

1

1

7
1
1

13
3
1

2004
3
1
2
4
1
5
2
1
1
49
8
2
1

Sum:
2
3
1
2
9
3
8
2
3
1
69
12
4
1

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

District Of Columbia
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

2002
9
7

2003
19
8

16
4
6
26

12
1
6
54
3
2

5
1
4
1
4
4
5

2
16
11
14
3

2004
9
5
1
10
4
20
75
6
1
3
12
17
12
7

Sum:
37
20
1
38
9
32
155
3
13
2
9
29
32
30
15

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
Office Supplies and Services
Prizes/Sweepstakes and Lotteries
Shop-at-Home/Catalog Sales
Telephone Services
Travel, Vacations and Timeshare

Appendix D: Page 106 of 282

2002
4
1

2003
3
4

5
1
10

2
3
7
16

6
1
6
3
4
3

2
3
2
8
6

2004
1
1
7
1
3
9
1
5
2
13
10
2
1

Sum:
7
6
1
14
4
11
35
1
11
5
22
15
14
10

Federal Trade Commission
Created May 12, 2005

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
Magazines and Buyers Clubs
Prizes/Sweepstakes and Lotteries
Shop-at-Home/Catalog Sales
Telephone Services
Travel, Vacations and Timeshare

Appendix D: Page 107 of 282

2002
7
1

2003
2
2

1

1
1

2
3
4
1
1

3
2
10
4
4
1

2004
2
2
1
2
3
1
1
3
18
2
2
1

Sum:
11
5
1
3
5
1
6
8
32
7
7
2

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Florida
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

2002
127
120

2003
124
113

235
111
215
225
23
42
19
11
21
169
108
27

363
60
463
434
32
45
27
24
46
373
171
34

2002
55
50

2003
52
62

83
147
72
115
18
18
9
4
14
101
77
17

85
56
176
191
16
29
4
7
58
165
107
31

2004
157
153
53
449
94
849
454
39
56
27
46
140
368
214
42

Sum:
408
386
53
1,047
265
1,527
1,113
94
143
73
81
207
910
493
103

2004
82
63
33
184
53
258
233
38
28
12
23
144
182
126
29

Sum:
189
175
33
352
256
506
539
72
75
25
34
216
448
310
77

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 108 of 282

Federal Trade Commission
Created May 12, 2005

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 109 of 282

2002
22
29

2003
25
35

34
238
26
69
17
38
5
4
96
54
51
13

33
55
44
106
11
32
4
7
205
109
82
26

2004
33
42
20
67
56
71
146
24
31
7
6
353
113
108
28

Sum:
80
106
20
134
349
141
321
52
101
16
17
654
276
241
67

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Georgia
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

2002
44
27

2003
55
44

79
17
66
84
11
13
6
4
24
47
38
15

82
17
140
126
11
26
1
7
33
131
63
18

2002
13
10

2003
17
17

15
13
18
33
1
9
4
1
30
23
15
2

22
12
35
48
5
8
1
1
32
44
24
9

2004
65
50
22
163
29
237
145
15
24
9
23
71
122
89
26

Sum:
164
121
22
324
63
443
355
37
63
16
34
128
300
190
59

2004
24
16
15
54
12
77
57
4
15
2
6
58
50
27
4

Sum:
54
43
15
91
37
130
138
10
32
7
8
120
117
66
15

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 110 of 282

Federal Trade Commission
Created May 12, 2005

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 111 of 282

2002
2
4

2003
11
6

1
16
2
6
5
3

5
5
5
12
4

44
10
7
4

113
18
17
4

2004
7
5
3
12
10
10
21
3
15
3
4
147
18
17
4

Sum:
20
15
3
18
31
17
39
12
18
3
4
304
46
41
12

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Guam
Age Range 50 - 59

Advance-Fee Loans and Credit Protection/Repair
Internet Auctions
Internet Services and Computer Complaints
Investments
Magazines and Buyers Clubs
Shop-at-Home/Catalog Sales
Telephone Services

2002

2003

1
2
1

3

2004
1
1
1
1

1
1

Sum:
1
5
3
1
1
1
1

Age Range 60 - 69

2003
Internet Auctions
Shop-at-Home/Catalog Sales

2004
1

3

Sum:
1
3

Age Range 70 and Over

2002
Business Opps and Work-at-Home Plans
Internet Services and Computer Complaints
Investments

Appendix D: Page 112 of 282

2003
1

1

2004
1

Sum:
1
1
1

Federal Trade Commission
Created May 12, 2005

Source: Consumer Sentinel - Fraud Data

Hawaii
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
Intern

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Source: Frix Law Library, https://www.frixlaw.com/law-library/documents/agency%3Aftc%3A540b23647c5d1462. Public record. Not legal advice.