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    "They are still calling our home," one consumer complained to the Pennsylvania Attorney General's office last September after she had paid a bill for that she said she did not owe.

    Other people who refused to pay say the company carried out its threats.

    Taking advantage of changes in the telecommunications industry that began years ago with the break up of AT&T, these cons arrange to put charges on consumers' phone bills for services that were never ordered, authorized, received or used.

    Sometimes a one-time charge for entertainment services will be crammed onto your phone bill. Cramming of recurring charges falls into two general categories: club memberships, such as psychic clubs, personal clubs, or travel clubs; and telecommunications products or service programs, such as voice mail, paging, and calling cards.

    This can hurt many married, separated, divorced, and widowed women.

    Typically, there are two reasons women don’t have credit histories in their own names: either they lost their credit histories when they married and changed their names, or creditors reported accounts shared by married couples in the husband’s name only.

    A store employee explained that a thief claiming to be me had gone into a phone store and “upgraded” my two phones to the most expensive i Phone models available and transferred my phone numbers to the new i Phones.

    I called my mobile carrier’s fraud department and reported what happened.

    Everyone who participates in the decision to grant credit or in setting the terms of that credit, including real estate brokers who arrange financing, must comply with the ECOA.

    Automated Phone Number Capture Anyone capable of capturing a consumer's telephone number can cause charges for a product or service to be included on that person's phone bill.

    Using Automatic Number Identification (ANI), a system similar to "caller ID," they can capture the phone number from which a call to the party originates.

    Cramming, the number one telemarketing scam of 1998, refers to putting unauthorized or nonexistent telecommunication or service charges on your credit card, bank account or phone bill.

    Con artists have found the telephone billing and collection system to be a fertile area to defraud consumers.

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