Among U.S. consumers, the most common complaints filed with state and local consumer-protection agencies included automotive sales and service and credit-related problems, based on the results of an annual survey by the Consumer Federation of America and the North American Consumer Protection Investigators. The report looked at more than 360,000 grievances collected in 2012. The fastest-growing complaints involved landlord/tenant problems, debt collection, telephone-service billing, and unlicensed contractors. Home foreclosures and scams targeting the elderly fell into a category that state and local officials considered the "worst" because of the amount of money involved, the volume of complaints, or how extreme the problems were. One Massachusetts customer believed she was simply filling out a payday loan application, for instance; but it actually was for a credit line on an online shopping site. She did not draw any money from the line but was billed for having it, at a rate that equaled a 1,000 percent annual interest rate.