Understand your rights

When it comes to dealing with Comenity Bank Phone Harassment, it is crucial to understand your rights as a consumer. Under the Fair Debt Collection Practices Act (FDCPA), it is illegal for a bank or collection agency to harass, oppress, or abuse you in any way, including making repeated phone calls, using threatening or abusive language, or making false statements. By knowing your rights, you can protect yourself from being taken advantage of and hold the bank accountable if they violate these rules.

If you experience phone harassment from Comenity Bank, it is important to keep detailed records of all communication. This information can be used to file a complaint with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC), which can take action against the bank for violating consumer protection laws.

Remember, you have the right to be treated with respect and dignity by banks and collection agencies. Don’t let Comenity Bank Phone Harassment stress you out. Take control of the situation by understanding your rights and taking appropriate action.

Keep records

Keeping records is a crucial step in dealing with bank phone harassment. By documenting the dates and times of phone calls, the content of the calls, and any other relevant details, you can provide evidence to support your case if necessary. These records can also help you to track the bank’s behavior and ensure that they are following consumer protection laws. Additionally, if you need to file a complaint with a regulatory agency, these records can be used as evidence to support your claim. In short, keeping detailed records is an important strategy for protecting yourself and ensuring that the financial institution is held accountable for its actions.

Stay calm and polite

When dealing with bank phone harassment, it can be easy to become frustrated or upset, but it is important to stay calm and polite during phone calls with the bank. Responding with anger or aggression may escalate the situation and make it more difficult to find a resolution.

Staying calm and polite can also help to de-escalate the situation and lead to a more productive conversation. By maintaining a respectful tone, you can communicate your concerns and work towards finding a solution that works for both parties.

It is also important to remember that the person on the other end of the phone is likely just doing their job and may not be aware of the impact their actions are having on you. Being respectful and understanding may help to foster a more positive relationship with the stakes representative and make it easier to find a resolution to the issue.

Negotiate a payment plan

If you are struggling to make payments to the bank, it may be helpful to negotiate a payment plan. This can involve agreeing to pay a smaller amount each month or extending the payment period. Be honest with the institution about your financial situation and what you can afford. They may be willing to work with you to find a solution that works for both parties.

File a complaint

Filing a complaint is an effective way to address bank phone harassment and hold the bank accountable for its actions. If the bank continues to harass you despite your efforts to resolve the issue, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).

When filing a complaint, it is important to provide as much information as possible, including the dates and times of phone calls, the content of the calls, and any other relevant details. The regulatory agency will review your complaint and investigate the matter, potentially taking legal action against the bank if they are found to have violated consumer protection laws.

Filing a complaint can be a powerful tool in protecting your rights as a consumer and ensuring that banks and collection agencies are held accountable for their actions. It can also help to prevent others from experiencing the same type of harassment in the future.

While filing a complaint may seem daunting, it is a relatively straightforward process that can be done online or by phone. The regulatory agency will keep your personal information confidential, and you will be notified of the outcome of the investigation.

Conclusion

In conclusion, dealing with bank phone harassment can be a frustrating and stressful experience, but there are several steps you can take to protect yourself and find a solution. It is important to understand your rights under the Fair Debt Collection Practices Act (FDCPA) and keep detailed records of all communication with the bank. This information can be used to file a complaint with the appropriate regulatory agency if necessary.

Staying calm and polite during phone calls with the bank can also help de-escalate the situation and lead to a more productive conversation. Negotiating a payment plan may be a viable option if you are struggling to meet your financial obligations. Be honest with the bank about your situation and what you can afford, and they may be willing to work with you to find a solution that works for both parties.

Ultimately, if the bank continues to harass you despite your efforts to resolve the issue, you have the right to file a complaint with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC). These organizations are responsible for enforcing consumer protection laws and can take action against institutions that violate them.

It is important to remember that you deserve to be treated with respect and dignity by financial institutions and collection agencies. Don’t let bank phone harassment stress you out. By understanding your rights, keeping detailed records, and taking appropriate action, you can protect yourself and find a solution to the problem.

The post Don’t Let Bank Phone Harassment Stress You Out: 5 Tips to Deal With It appeared first on Techie Buzz.

Despite its popularity, fingerprint authentication is not without its vulnerabilities. We will provide a guide on how you can protect yourself from this threat.

How is fingerprint authentication used?

Users of these authentication systems rely on the uniqueness of their fingerprints for security. This authentication is a process by which users can verify their identity by matching their fingerprint against those stored on a device or system. It is typically used in mobiles, doors and fingerprint safes. Despite its widespread use, there are concerns that this type of authentication methods can be easily hacked.

Scanning technology has been widely used in consumer electronics and other devices, but there have been reports of hackers being able to spoof them with relative ease.

Hackers may be able to exploit vulnerabilities in systems to gain access to user data or login credentials. If your organization uses this kind of authentication for users accessing sensitive data or systems, it is important to ensure that implementations are secure and mitigating factors are in place should a vulnerability emerge.

How can fingerprint authentication be hacked?

The use of them as a form of authentication has been around for a while, and for good reason: they are one of the most unique and reliable forms of identification out there. However, like all forms of security, these authentication can be hacked.

First off, it’s important to note that this kind of authentication is not always 100% secure. There are ways for unauthorized individuals to obtain your fingerprints if they get close enough to you or if you allow them to take prints without your consent. Additionally, even if someone does not have access to your fingerprints, they can still spoof them using technology similar to that used in biometric passports or ATM cards.

Still, despite these factors, this authentication is often seen as one of the more secure forms of authentication available. That said, it’s always important to keep in mind that no form of security is bulletproof – so always be cautious about who you let access your information and be sure to use multiple layers of security when possible.

Can fingerprints be stolen from a phone?

If you’re worried about someone stealing your data from your Android or iPhone, don’t be. Your fingerprints are stored on the phone in a secure manner and it’s difficult to obtain them without doing damage to the phone or accessing personal information. They are enrolled in the device’s biometric system when you first set it up. When you open it up, the software looks for your prints and displays them if they’re available. If not, it prompts you to enroll them by scanning your finger using the built-in button. If someone tries to access your data without your permission, they risk damaging the phone or even breaching your security settings. There’s no easy way to steal someone else’s fingerprint without their knowledge or consent, so don’t worry if this doesn’t concern you.

Mitigation strategies for fingerprint authentication

As businesses continue to adopt these authentication as the standard for secure online transactions, they are increasingly looking for ways to improve security. One potential solution is to employ mitigation strategies.

Mitigation strategies can include using a secondary authentication method like a password or PIN, using a secure device such as a locked laptop or phone, and regularly cleaning devices’ surfaces of all potential fingerprints. Employing these and other measures can help mitigate the risk of unauthorized access to your accounts and data.

Is fingerprint login safer than password?

There has been a lot of debate lately about whether or not it is actually more secure than password authentication. A lot of people feel that fingerprints can be easily copied, so they should only be used when absolutely necessary.

Others argue that fingerprints are unique and can’t be easily replicated, making them the perfect choice for security. However, there have been reports of hackers being able to obtain user fingerprints by hacking into other accounts and stealing passwords. So while it is definitely more secure than using a simple password, it’s not completely immune to being hacked.

What can someone do with your Fingerprint?

It can be used in numerous applications, including crime investigation, security screening, and employee verification.

There are several methods that can be used to retrieve fingerprint scans. Some common methods include manually printing collecting devices and automated machines that use film or cartridges to take fingerprints. The scanned prints then need to be processed and analyzed to create a digital image that can be used for identification purposes.

The use of fingerprints as an identifier has been around since the late 1800s. One of the earliest examples of this type of identification was when Germany used it as part of its Identification System for the Brown Shirts paramilitary organization in 1933. Since then, it has become an important tool in many fields, both professional and domestic.

Which is more reliable DNA or fingerprint?

When it comes to the reliability of forensic evidence, fingerprints and DNA are two of the most commonly used methods. And while both methods have their own benefits and drawbacks, which one is more reliable?

From a practical standpoint, DNA is far more reliable than fingerprinting. This is because there are far more genetic markers in DNA than in fingerprints. Plus, DNA can be extracted from even very small amounts of material – such as skin cells or hair follicles – which makes it ideal for use in forensics investigations where minute samples are needed.

On the other hand, fingerprinting has its own set of advantages. For example, they can be very hard to replicate, making them perfect for authentication purposes. Additionally, it is also highly sensitive and can be used to identify individuals with high accuracy rates.

So overall, it depends on the specific needs of the forensic investigation which method is more reliable. However, whichever method is chosen should be given careful consideration due to its inherent accuracy and reliability.

Conclusion

As technology continues to evolve, so too does the way businesses protect their data. In this security guide, we’ll be looking at how these authentication can be hacked and what steps you can take to safeguard your business against such an attack. By following the tips provided in this article, you will be able to keep your customers safe and secure while keeping your data confidential.

The post Can Fingerprint Authentication Be Hacked? Security Guide appeared first on Techie Buzz.

What’s in the box?

• Nokia N97 Mini
• Nokia Battery
• Nokia Travel Charger
• Nokia Connectivity Cable
• Nokia Wired Headset
• OVI Suite DVD
• User Manual

To know more on the contents inside the box, check out our exclusive N97 Mini unboxing video. You can even have a look at out exclusive hands-on pics.

Positive Features

• Smooth Slider
• Large Touchscreen Display
• Excellent QWERTY keypad
• 8GB in-built memory
• Kinetic Scrolling
• Supports Popular Audio/Video formats
• Stylish Metallic Battery Cover
• Wide Range of Useful Apps
• Customizable Homescreen

Negative Features

• Poor Display Under Sunlight
• Unimpressive Battery
• Unsatisfactory Camera
• No Changes in UI
• Poor Web Browser

Design And Hardware:

N97 Mini is constantly being compared with its big brother, Nokia N97. The design of this device is quite attractive as compared to N97. The build quality of N97 Mini is just brilliant. The battery cover is made up of a metallic material, which makes it look like a high end device, unlike N97 which has a plastic battery cover. This device is absolutely comfortable and it easily fits in my pockets.

N97 Mini has a little smaller display as compared to N97. This device has a display of 3.2 inches (similar to Nokia 5800 Xpress Music), while N97 had a 3.5 inches display. It comes with a resistive touchscreen, 360 x 640 pixels resolution and it supports 16 million colors. N97 Mini has a sharper and crystal clear display under normal lighting conditions, but it becomes almost unreadable in direct sunlight.

Above the large display, there is a proximity and light sensitivity sensors, earpiece and a video call camera. The proximity sensor helps to switch off the display automatically, when you hold the device near to your ear. Below the display, you can find a menu key along with a touch sensitive call and end keys. On the left side, there is a microUSB port and the screen lock slider. On the right side, there are camera and volume keys. The power key and 3.5 mm audio jack are situated on the top of the device.

The sliding QWERTY keyboard is just amazing. The slider is absolutely smooth and there isn’t any chances of damage during its regular usage. The keys are a bit smaller as compared to N97, but they are perfectly placed with proper spacing between the keys. N97 Mini has arrow keys, unlike the useless D-pad key on the N97. The keys are easy to use and they aren’t pain on your fingers.

On the back, you will find a 5 megapixel camera with a dual LED flash and a stylish metallic battery cover. The battery of this device is also smaller than N97. This device has a 1200 mAH battery as compared to N97 which has a 1500 mAH battery. The MicroSD card slot is situated under the battery cover while the SIM card slot is placed under the battery. N97 Mini supports upto 16GB of external storage.

Nokia N97 Mini is available in three stunning colors – Cherry Black, Garnet and White. The build quality of this device is much better than N97. But the power, volume and menu keys are completely unsatisfactory. Sometimes I was not able to open the slider in one go. There is always a fear in mind regarding the damages to slider due to the thin plastic support on its back. It was quite comfortable and faster to send emails and texts, thanks to its amazing slider QWERTY keypad. They should have provided covers for the USB port and dual LED flash, since they can be scratched easily. The proximity sensor works perfectly. It is quite a pain to change SIM cards.

Check out the full specification of Nokia N97 Mini here.

User Interface:

As I have said earlier, for the first few days I didn’t liked this device because of the Symbian S60v5 operating system. I was already bored of the same user interface as I’m used to it. But the major difference in the user interface of Nokia N97 Mini and other Symbian S60 device was that of Kinetic Scrolling and an amazing homescreen. Kinetic Scrolling was available everywhere, even in menus and applications. I really liked the kinetic scrolling of this device. The icons menus are very appealing as compared to the list menus. The menu icons can be customized easily within few seconds. Sliding out the QWERTY keypad rotates the screen vertically.

Homescreen:

The customizable homescreen in N97 Mini is brilliant. The widgets in homescreen helped me a lot by saving my valuable time. Almost all my needs were fulfilled from the homescreen itself. You can add, remove and organize upto 5 widgets on the homescreen. The clock widget is set by default and it cannot be removed, but you can place it anywhere on the homescreen. My favorite homescreen widgets are Facebook, AccuWeather and Shortcuts.

I tried adding Gravity on the homescreen but it looked dull. Gravity isn’t optimized for N97 Mini homescreen, but it would be fun to have an excellent app, like Gravity, readily optimized for the homescreen. The menu key below the display is quite uncomfortable. Hence, I have added the menu shortcut on the homescreen as I didn’t wanted to use that menu key anymore.

Check out 20 stunning wallpapers for Nokia N97 Mini here. You can also find more amazing wallpapers here.

Connectivity:

The Nokia N97 Mini is a powerful device which has a wide range of connectivity options. This device comes with GPRS, EDGE, Bluetooth, USB, Wi-Fi and 3G connectivity. It has 2G and 3G quad band, which can be used globally with any wireless operator. You can easily find and connect to Wi-Fi signals, with the help of this device. I tried using Wi-Fi on this device and the hi-speed browsing experience was just incredible. The connection manager shows all the active connections, along with the current download and upload speed. You can always stay connected with your friends, thanks to its wide range of connectivity options.

Messaging:

There are no changes in messaging client as compared to Nokia 5800. Nokia N97 Mini comes with SMS, MMS and Email messaging services. The messaging client fulfills most of my needs when it comes to SMS and MMS services. To compose a message, you can use the amazing QWERTY keyboard or you can even use the alphanumeric keyboard on the touchscreen itself. You can even type long texts and Emails easily, within few minutes. What’s more, you can use your own handwriting to type messages on the go. Messaging isn’t a pain in N97 Mini since it comes with an outstanding QWERTY keyboard.

Sending and receiving emails in N97 Mini is a child’s play. I was able to configure my Google Apps, Gmail as well as OVI mail within few seconds. Setting up OVI mail was the easiest one as you have to only key in the username and password, nothing else. I would suggest you to use IMAP instead of POP for retrieving email, but the final choice is ultimately yours.

Since 3G is still not available with the private operators in India, I was not able to test messaging in a 3G environment. I tested the email service using EDGE and Wi-Fi, and the service was pretty neat. Hundreds of emails were retrieved within seconds. Reading mails in Nokia 5800 is quite a pain, but it isn’t in N97 Mini, thanks to the kinetic scrolling.

Camera:

Nokia N97 Mini has a 5 mega-pixel camera with Carl Zeiss optics and the dual LED flash. The maximum resolution for an image is 2592 x 1944 pixels. Though there is no major difference in the camera as compared to N97, you will find the lens cover missing in the mini version. The interface is the exact copy of what we have seen earlier in the Nokia 5800 and N97. You can find all the settings under a common menu, but the flash has a dedicated shortcut with 4 options Automatic, Reduce Red, On and Off. You can switch to secondary camera or video mode directly through “Options”. The device has 8 scene modes, 5 color tone, white balance, exposure, light sensitivity, contrast, sharpness and image sequence mode.

Transparent Display Alarm Clock

Stagecoach Bus

The camera quality of this device cannot be termed as excellent. The images do not have much visible noise in them. The images taken with N97 Mini are slightly better than the original N97. The images taken during night were visibly poor as compared to those taken during the day. I saw yellow tint in most of the images taken during the day. The color balance is definitely not upto the mark.

I was quite amazed to see that this device does not have face and smile detection technology. Even cheap mobile phones, such as Samsung Corby come with a smile detection feature. This device has a VGA video recording @ 30fps. The video quality is quite satisfactory.

Images And Videos:

You can view all your images in the photos application. This application is pretty neat, and you can easily browse thousand of images with the help of kinetic scrolling. The app has a basic photo editor where you can add effects, such as inserting clip arts, frames and texts, crop the image, increase brightness and so on. You can double click on any image to zoom it. You can directly send the image as an attachment, right inside the photos application.

The video player allows you to view 3gp and mp4 videos. The video experience on a large screen is simply awesome. You can watch videos of upto 360 x 640 resolution. I have added 5 full length movies and watched it on the go. If you want to skip some part of the video, then you can drag the bar to any part of the video. For some reason, if you stopped the video, the next time, video starts from that position itself. This is quite useful when the device is switched off due to low battery.

Music:

The device come with a 3.5 mm headphone jack, 8GB in built memory, 16GB expandable memory and support for MP3, WMA, AAC, eAAC, and eAAC+ audio files. I have added some extreme chartbusters to make it a complete music phone. The stereo headphone provided with this device is pretty decent. Compared to other Nokia devices, the loudspeakers are not too loud.

The music player has the same old S60 interface. Songs are arranged according to their album and artist name. I would ask you to update your ID3 tags for arranging songs neatly in the device. Even if you have thousands of albums in your device, you can browse them easily with the help of kinetic scrolling. The music player even allows you to rewind and forward any track while listening. The music player definitely needs some improvement.

Web-Browser:

The web browser of N97 Mini is not too bad, but it is not well optimized for webpages with lots of links. While browsing Techie Buzz, it automatically redirected to the mobile version, which I turned off later. The browser supports flash content, so you can watch your favorite YouTube videos right inside the browser. The kinetic scrolling helps to browse long web pages easily.

The bookmark manager is quite unsatisfactory. The page opens instantly even on a EDGE connection. On the top of the browser, you can see the size of the web page, which is quite useful, if you have a limited data connection or while you are browsing while roaming in another country. I really want Nokia to improve the S60 browser for its future devices.

Pre-Installed Apps:

Nokia N97 Mini has a bunch of pre-installed apps. Through it comes with a wide range of free apps, some of the pre-installed apps were only trial version. Sadly, N97 Mini does not have a single pre-installed game. Check out the complete list of pre-installed apps below.

• Drawing
• JoikuSpot
• Qik
• Boingo
• Soccer
• Facebook
• Friendster
• Hi5
• Metro
• MySpace
• Traveler
• AccuWeather
• Amazon
• AP Mobile
• Bloomberg
• CNN Video
• Elle
• Slideshow
• Vingo

Third Party Apps:

Nokia N97 Mini supports thousands of paid and free apps. You can head over to OVI Store for complete application gallery. To test third part apps, I installed Gravity, the best Twitter application for S60 5th Edition devices. The app worked pretty smoothly. Check out the top 10 applications for Nokia N97 Mini here.

Conclusion:

I have used Nokia N97 for few days, but it was a complete disaster. The moment I opened a few apps, it started freezing. I was not able to view YouTube videos properly. So, I had a perception that N97 Mini will also be a highly-priced device with lots of flaws. When I used the device for first two days, I didn’t found anything new. But when I used it for almost a week, it completely changed my mind.

The spectacular combination of hardware and software makes this handset one of the best mobile communicating device currently available in the market.

Nokia N97 Mini is a complete winner in the long run. The touchscreen is very responsive and the call quality has been significantly improved. This device fits perfectly in the pockets. I used the device for more than two weeks, but it haven’t freezed once. Though there are not many changes in the UI, the kinetic scrolling is a complete savior. I liked the QWERTY keypad of N97 Mini a lot. Even OVI Store have thousand of useful apps that fulfills most of my needs.

The browser is not up to the mark, but the camera of N97 Mini is  definitely  better that N97. Though many of you will still prefer N97  because  of its 32GB inbuilt memory for almost same price, but I would recommend you to get this device since it is high on  performance  and  quality. The recent firmware update of N97 Mini, solved all the flaws of this device. Nokia N97 Mini is one of the best touchscreen handsets manufactured by Nokia. Go For It!!!

The post Nokia N97 Mini Exclusive Hands-On Review appeared first on Techie Buzz.

Nokia C1-01 and Nokia C1-02 Changelog:

• Performance improvements
• Usability improvements

The latest firmware version can be downloaded from the Nokia Software Update or via. Over-The-Air (OTA). To get this software through your device, type in *#0000# on the home screen or go to Device Manager. Select Options > Check for updates and follow the on-screen prompts. It is advised to back up all your data before updating the device, just to make sure that no important files are lost during the installation.

The post Nokia C1-01 And C1-02 Firmware Updated To Version 4.40 appeared first on Techie Buzz.

The new signature tune for Airtel has been composed by A.R. Rahman and is aimed at making it more youthful and dynamic. If you haven’t heard the signature tune yet, you can do so in the embedded video below.

If you are looking to download the Airtel signature tune to your desktop as a MP3 or use the Airtel tune as a ringtone on your mobile phone, you can download it from Zedge.net. The new Airtel signature tune can be downloaded for free from here.

So go ahead and enjoy the new Airtel signature tune if you liked it.

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