The Arizona Attorney General's Office investigates consumer complaints involving deceptive or unfair practices in the sale or advertisement of goods or services Arizona's Consumer Fraud Act, ARS 44-1521 et seq., makes it unlawful for a seller to engage in any deception, deceptive or unfair act or practice. Enclose copies of contracts, letters, advertisements, sales slips, proof of payment, warranties, papers or other documents that may support your complaint. To determine a UDAP violation, a practice must mislead the consumer, the consumer must observe it, and the damages must be material. Proof of Actual Deception or Intent Not Required. • "possess a tendency to deceive" in the eyes of the FTC. Student Debt Cancellation Part of University of Phoenix FTC Settlement. In multi-level marketing schemes, people in the scheme make money from selling a genuine product or service.