On Saturday, August 24, MrConsumer went to Price Rite supermarket because they had Hellmann’s mayonnaise on sale for $2.49 with a store-issued coupon.

But MrConsumer also had a $1 off manufacturer’s coupon that had just come that week in the coupon inserts. So that 30-ounce jar of mayonnaise would only cost $1.49.

When checking out, the $1 store coupon was deducted without a problem. But the manufacturer’s coupon would not deduct. A store clerk (erroneously) argued that one cannot use two coupons on the same item. As most veteran shoppers know, virtually all supermarkets will accept both a store-issued coupon and a manufacturer’s coupon for the same item.

When I pressed the issue a bit more, the coupon was rescanned and an odd error message came up on the screen… words to the effect that the start date was not met. No one knew what that meant, and store personnel went back to the line “you can only use one coupon per item.”

Dissatisfied and disappointed, I wrote to the supermarket’s customer relations department and asked (in all caps) that someone from upper management contact me about this issue. To my surprise and delight a district manager called me and was puzzled by what had happened, suggesting that it was only reasonable for them to accept the manufacturer’s coupon since the supermarket would be reimbursed for it. I photographed the coupon and emailed it to him so he could experiment with it if necessary.

A couple of days later, he emailed back the surprising results of his inquiry.

Secret *MOUSE PRINT:

Previously unbeknownst to him and the rest of the shopping world including me is that some manufacturers code a hidden “start date” of sorts into the barcode. Presumably, this is to limit the effective period of the coupon and also to try to prevent fraudulent redemptions.

This coupon was slated to be in the RetailMeNot coupon insert in Sunday’s paper, August 25th — the day after I tried to redeem it. It appears that Unilever put a start date of August 25th on the coupon to coincide with the newspaper’s publication date. What this multi-billion dollar corporation didn’t realize is that Sunday newspapers and the inserts in them are often available the day before on Saturday. And what they further were oblivious to was the practice of coupon inserts being delivered to homes in bags along with the upcoming week’s supermarket circulars days in advance. For example, I normally receive my bag of ads on Tuesday or Wednesday for supermarket sales that begin on the coming Friday or Sunday.

The Price Rite manager shared these findings with me, and instructed store personnel in his district to always accept a valid store coupon plus a manufacturer’s coupon for the same item, and to accept manufacturer’s coupons that are redeemed prior to their hidden start date. Kudos to him.

Consumer World then wrote to Unilever, the maker of Hellmann’s, to ask why they use hidden start dates. We explained to them that coupon inserts are often received by shoppers a day or days in advance, and asked what were they going to do to remedy the coupon rejection problem they unwittingly created?

We’ll post their answers as soon as they respond.

Rachel K. recently bought her kids some Otter Pops as a summer treat. The variety she purchased, being a health conscious mother, was labeled “100% fruit juice.” For those unfamiliar with this item, they are plastic sleeves filled with juice that you serve frozen.

Looking at the ingredients statement, this sharp consumer noticed something completely unexpected.

*MOUSE PRINT:

That’s right, sugar! She rightfully asks how can this product advertise that it is 100% fruit juice when it has added sugar. In fact, the nutrition facts statement says it has three grams of added sugars. That means these pops have almost 50% more sugar than regular apple juice.

FDA regulations seems to require manufacturers to add a statement after a 100% juice claim if it contains non-juice ingredients. In the case of added sugar, it might have to be labeled “100% juice with added sweetener.”

21 CFR 101.30 (3) If the beverage contains 100 percent juice and also contains non-juice ingredients that do not result in a diminution of the juice soluble solids or, in the case of expressed juice, in a change in the volume, when the 100 percent juice declaration appears on a panel of the label that does not also bear the ingredient statement, it must be accompanied by the phrase “with added ___,” the blank filled in with a term such as “ingredient(s),” “preservative,” or “sweetener,” as appropriate (e.g., “100% juice with added sweetener”), except that when the presence of the non-juice ingredient(s) is declared as a part of the statement of identity of the product, this phrase need not accompany the 100 percent juice declaration.

When we questioned the FDA directly about products like Otter Pops, they indicated that this regulation only applies to beverages and thus is not applicable because this product is a frozen treat. In that case, less specific regulations apply, and the FDA spokesperson said the agency would likely accept the labeling as it currently appears.

However, the Center for Science in the Public Interest, said in comments to the FDA about a related regulation that “One hundred percent juice must be precisely that – 100% juice product from the fruit(s), exclusive of any other non-fruit juice ingredient, like added sugar.” And if does have added sugar, that fact must be clearly stated upfront.

We asked the company if they could understand how consumers are being misled by their front label and inquired on what basis they believed they were in compliance with FDA rules. A public relations spokesperson for Jel Sert, the manufacturer, responded:

“The Otter Pops label complies with the regulations promulgated under the U.S. Food and Drug Administration, with the label stating “with other ingredients added.” We are confident that our packaging is accurate and does not contain misleading information.”

In our mind, stating on the front label in small type that the product contains “other added ingredients” is insufficient to overcome the impression created by the phrase “100% fruit juice” in much larger letters. Most consumers would understand “100% fruit juice” as a product having no added sugar.

Last week, All-Clad ran a big factory seconds sale on its expensive cookware promising discounts of up to 84-percent off.

Before you could even view the items and prices, you had to agree to a full page of terms and conditions.

*Mouse Print:

Scroll down the page.

Among the requirements were providing your email address, agreeing that the merchandise may have scratches or dents, that the pictures may not accurately represent the item they actually send you, and that you agree to arbitration to resolve any disputes.

While most of these are not uncommon terms, how unusual it is to make retail customers formally agree to all these terms before even being admitted to the sale website to check items and prices. One good thing: according to the actual product page listings, each item came with All-Clad’s regular limited lifetime warranty.

For the past 21 years, CBS has aired the reality show Big Brother during the summer months. In the program, 16 contestants called “houseguests” are secluded from the outside world in a TV-set house for about 100 days with all their activities recorded 24/7. The last houseguest remaining after a series of evictions wins the game.

As you might imagine, with millions of dollars of advertising revenue on the line for CBS and high production costs, they have to ensure that all the contestants follow a strict set of rules and waive most of their rights. To that end, when those who apply to be on the program enter the finalist stage of casting, they are required to sign a 39-page, one-sided agreement designed to protect the network and the producers and to warn the would-be participant what they have in store.

Here are some of the more unusual provisions of the “applicant agreement“:

*MOUSE PRINT:

Contestants first have to agree to be recorded 24 hours a day, with or without clothing.

 
*MOUSE PRINT:

The producers control all the utilities in the Big Brother house, including water.

 
*MOUSE PRINT:

Contestants have to understand that they could be publicly humiliated and scorned.

 
*MOUSE PRINT:

And besides waiving their rights to sue CBS and the producers, and releasing the show from all liability of any kind, contestants have to keep their mouth shut about what happens in the program. This is how CBS ensures that compliance:

And since “showmances” inevitably flourish during their three months in seclusion, all houseguests have to submit to testing for STDs.

So, why would anyone subject themselves to all this? Perhaps it is the lure of the $500,000 prize for the winner.

The TV airwaves have been flooded by a new advertising campaign from Green Dot. Mostly known for their prepaid cards, Green Dot is branching out into bank accounts with an almost too-good-to-be-true offer.

They are offering a 3-percent interest rate on your savings account, and 3-percent cash back when you make purchases with the debit card that comes with that account. Unheard of benefits on both scores.

Don’t get too excited however. Their fine print is sure to put a damper on your enthusiasm.

The deposit agreement for the Unlimited Cash Back account is full of goodies.

*MOUSE PRINT:

The offer promises 3-percent interest on your savings up to $10,000. Well, how much is the interest rate on amounts over $10,000?

Answer:

So, you get no interest on larger deposits, and it is possible that the 3-percent interest rate could change.

That possible change in interest rate is an important disclosure because of the following additional disclosure:

*MOUSE PRINT:

Interest is only credited once a year, and at the rate in effect at that time!

And the bank has fees for this account. If you make a deposit in cash at a retailer, you can be charged up $5.95. Here are two more fees.

*MOUSE PRINT:

You have to pay $7.95 a month unless you spend $1,000 using their debit card. That seems pretty steep on both scores.

If you do spend any money with the card, you do get 3-percent cash back, but even that has some key restrictions.

*MOUSE PRINT:

Only purchases made via an app or online qualify for the 3-percent back. And even certain of those purchases don’t count either, like airline tickets, person-to-person payments, bill payments, gift card purchases, etc. And to add insult to injury, the cash back you are entitled to is only credited to your account once a year.

With all these restrictions, you may not become green with envy of anyone using this card.