Use a reputable escrow service, preferably state-licensed, for expensive items. Although some honest sellers may not want to use a middleman, many will. If a seller refuses to use an escrow service, think twice before making that purchase.

Some of the major online auction houses work with particular escrow services. For example, the largest auction house, eBay, uses PayPal.

KEEP GOOD RECORDS

Good records include the seller’s original listing, copies of emails and information received about the product. If you have a problem, you’ll need these documents to complain or get a refund.

HAVING A COMPLAINT

First, try to resolve it with the seller. If you&8217;re still not satisfied, contact the auction site. Depending on its policy, the site may investigate your complaint, bar the seller from future sales, refund your money, or allow you to post negative feedback about the seller.

Another option is to use a mediation service (unless criminal fraud is involved.) Some of the major online auction houses will refer unhappy consumers to an online dispute resolution service. Such services often can resolve your disputes and may cost less than legal action.

If you suspect that the seller has committed fraud, file a report with your local consumer affairs office or law enforcement agency (look in the government blue pages in the phone book), as well as your state Attorney General. Also, send a copy of your complaint to the Internet Fraud Watch and the Federal Trade Commission.

Dr. Marvin Copes is Education/Community Service Volunteer for AARP Alabama in Maylene. He can be reached by e-mail at mailto:mlcopes@charter.net