Protecting renters

Problems arising from rental relationships can be especially upsetting when the home becomes an extension of the day's frustrations, rather than a refuge from them. Some landlords neglect maintenance, while others habitually enter without notice. Even those fortunate enough to avoid major issues may sometimes find it difficult to recover the security deposit. Although landlords often have the upper hand, tenants may still come out on top if they are savvy, informed consumers.

  1. If you have never met a potential landlord in person: a) never send them money by wire transfer, and b) never give them private financial information (such as your social security number, bank account numbers, credit card numbers). Beware any potential landlord who makes such requests.1
  2. Carefully inspect the exact unit that you want to rent, not just a model unit. Open every door and closet, note any odd smells or noises, check for deadbolt locks, and confirm there are adequate exits in case of emergency.
  3. Read the lease contract carefully to make sure you can live with everything that is (or isn't) there. If the landlord makes additional promises, they need to be written on the lease document before signing. Never rent without signing a lease.2
  4. Take video and/or photos of the unit during the walk-through with the landlord. The more photos, the better—if your landlord later tries to withhold your security deposit for existing damage, you will have proof that you were not responsible for it.3  
  5. Buy renter's insurance whether or not the landlord requires it, and make sure it is “replacement cost” insurance. A typical policy may cost anywhere from $10-30/month, and could even be less inexpensive if bundled with a car or life insurance policy.4
  6. Do not allow your landlord to violate your right to notice before entry. Most jurisdictions require at least 24 hours notice before the landlord may enter—knowing the law in your area will make it easier for you to protect your privacy.
  7. Tell your landlord to make repairs. Landlords are required to provide basic amenities of habitability, which typically includes heat, water, electricity, cleanliness, and safety. If talking to the landlord isn't going anywhere, you may be able to remedy the situation by withholding a portion of the rent, calling the building inspector, or breaking the lease and moving out without penalty.
  8. If you need help with your specific situation, get free legal advice from your local branch of the Legal Services Corporation—they frequently specialize in landlord-tenant questions.

Additional Resources:

Student PIRGs: Renter's Rights       
Department of Housing and Urban Development (HUD): Tenant Rights

State-specific consumer guides for tenants:

Sources:

  1. FTC Consumer Website: http://www.consumer.ftc.gov/articles/0079-rental-listing-scams 
  2. HUD Renter's Guide: Ten Tips for Tenants: http://www.hud.gov/local/shared/working/r8/mf/topten.cfm?state=nd 
  3. NYC.gov Rental Tips Website: http://www.nyc.gov/html/dob/html/homeowners_and_tenants/renter_tips.shtml
  4. HUD Renter's Guide: Ten Tips for Tenants: http://www.hud.gov/local/shared/working/r8/mf/topten.cfm?state=nd

Issue updates

Report | WashPIRG Foundation | Consumer Protection

Medical Debt Malpractice

Medical debt collectors often employ aggressive tactics and attempt to collect debt from the wrong customers – putting consumers' credit records at risk. Medical debt accounts for more than half of all collection items that appear on consumer credit reports. A review of 17,701 medical debt collection complaints submitted to the Consumer Financial Protection Bureau (CFPB) shows that problems with medical debt collection are widespread and harm Americans across the country.

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News Release | WashPIRG Foundation | Consumer Protection

New Report Shows Millions are Victims of Aggressive Tactics from Medical Debt Collectors

A leading consumer group, WashPIRG, released the ninth in a series of reports that review complaints to the Consumer Financial Protection Bureau (CFPB).  The latest report explores consumer complaints about medical debt, a major source of problems for consumers, since medical debt items on credit reports are often wrong or about the wrong consumer.  The report also demonstrates the need to defend the CFPB from partisan and special interest attacks.

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News Release | Consumer Protection

Unilever: Go Toxic-Free

On Valentine’s Day, consumer groups thank Unilever for great first step in disclosing fragrance ingredients and call on personal care giant to go toxic-free.

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Statement on Procter & Gamble’s New Preservative Tracker in Personal Care Products

Personal care product giant Procter & Gamble (P&G) recently unveiled a new preservative tracker, which lets consumers know which preservatives are included in various categories of P&G’s products, such as baby wipes, skin care, and hair care products. Consumers can search the tracker by ingredient or by product type.

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News Release | WashPIRG Foundation | Consumer Protection

31st Annual Survey Finds Recalled Toys in Online Stores

Some toys that have been recalled for lead, powerful magnets, or other hazards  can still be available for sale in online stores, according to WashPIRG Public Interest Research Group Foundation’s 31st annual Trouble in Toyland report. The survey of potentially hazardous toys found that consumers should be wary when shopping this holiday season.

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News Release | WashPIRG Foundation | Consumer Protection

Report: Spirit Is Most Complained-About Airline; Alaska Airlines Gets High Marks

SEATTLE – Spirit Airlines passengers are most likely to complain about their experience, according to a report released today by the WashPIRG Foundation. Among major airlines, Spirit generates the most complaints for its size and generates an increasing number of complaints each year. Other most-complained about firms include Frontier Airlines, United Airlines, and American Airlines.

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News Release | WashPIRG Foundation | Consumer Protection

Report: Mistaken Identity Tops Debt Collection Complaints

SEATTLE – Debt collectors trying to collect debt from the wrong person were the top source of complaints to the Consumer Financial Protection Bureau (CFPB), according to a report released today by the WashPIRG Foundation. The report also found that Washington consumers are in the top-third highest percentage of states most likely to file complaints to the CFPB about debt collection, and that debt collection is a top source of complaints.

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News Release | WashPIRG Foundation | Consumer Protection

‘Capital One’ Most-Complained-About Credit Card Company in Washington

SEATTLE – Washington consumers file more complaints about Capital One than any other credit card company, according to a report released today by the WashPIRG Foundation. The report, which looked at data from the Consumer Financial Protection Bureau’s (CFPB) public Consumer Complaints Database, also found that nearly 40 percent of consumers had their complaints closed with monetary or non-monetary relief; 60 percent of cases were resolved with explanation.

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News Release | WashPIRG Foundation | Consumer Protection

Report: In Washington, Credit Bureau ‘Experian’ Gets Big Complaints

SEATTLE— A new report by WashPIRG Foundation found that the most complained-about credit reporting agency in Washington is Experian, and that Washington ranks 23rd nationally in credit report complaints per 100,000 residents.

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News Release | WashPIRG Foundation | Consumer Protection, Higher Ed

New Report Identifies Most Troublesome Private Lenders to Students

Thousands of American students are using the Consumer Financial Protection Bureau’s (CFPB) public Consumer Complaints Database to settle disputes about private student loans, according to a new report from the WashPIRG Education Fund.

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News Release | U.S. PIRG Education Fund

The U.S. Consumer Product Safety Commission (CPSC) announced today that discount stores T.J. Maxx, Marshalls and HomeGoods sold 19 different recalled products to consumers between 2014 and 2019. In the case of five products, the stores’ parent company TJX initiated the recall. The products included the Rock ‘N Play and Kids II inclined infant sleepers, which are responsible for a number of fatalities, rattles that can break and pose a choking hazard, and electronics that overheat or explode.

News Release | U.S. PIRG Education Fund

The U.S. Food and Drug Administration (FDA) has confirmed today that the drug manufacturers Dr. Reddy’s and Perrigo have initiated a voluntary recall of all of their generic versions of Zantac (ranitidine) -- commonly used to treat heartburn -- due to carcinogen contamination.

News Release | U.S. PIRG Education Fund

Despite more than 50 infant deaths from inclined sleepers, including the Fisher-Price Rock ‘n Play and the Kids II Rocking Sleeper, many versions of this type of product remain for sale and in homes. The U.S. Consumer Product Safety Commission (CPSC) is proposing a new rule that would virtually end the sale of inclined sleepers. 

Report | U.S. PIRG Education Fund and Consumers for Auto Reliability And Safety (CARS) Foundation

AutoNation, which bills itself as “America’s Largest Auto Retailer,” is selling recalled used vehicles that contain dangerous safety defects. In a survey of over 2,400 used vehicles for sale at 28 AutoNation locations, 1 in 9 were found to have unrepaired safety recalls.

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