I’m just a regular person making about $70K a year in a big city, and I’ve recently felt incredibly powerless dealing with private companies. For instance, my landlord’s auto-pay system had a glitch that excluded my pet rent and water bill. I ended up with over $1,000 in late fees. Despite hours on the phone, it turns out their system doesn’t really do auto-pay and requires a fixed amount instead of covering the full rent. It feels like a scam, and my options are to pay the fees or potentially spend a fortune on legal action.
Another frustrating experience was trying to cancel my pest control service. I had to endure a 40-minute call followed by 35 minutes of arguing, just to finally cancel. There’s no online cancellation option, and the process felt like a timeshare sales pitch.
Why do ordinary people seem so unprotected against these shady practices, and how can we change this? How does one person even start to address these issues?
The country was founded by slave owners. After that we had various “industry barons” like railroads, petroleum, automobiles, etc. Now we have multinational corporations (with larger budgets and more power than several countries) calling the shots in congress. It’s always been like this. Post-WWII provided a brief respite, but that limited run of the “American Dream” was temporary and no longer exists.
Part of the solution would be: worker cooperatives. We need a lot more of those. It won’t solve everything, but it’s a really good start.
Basically we got all our rights in the post war period. Baby boomers and their parents had an excellent time, got theirs, then pulled up the ladder behind them. Zoomers will probably fix this but it’ll be interesting to see if it sticks this time.
We need a kind of everybody union.
I had this conversation with lots of people if everyone saw a company is doing things or taking advantage of people imagine if on the exact same day, one million customers canceled their accounts. That kind of unity can give all the power needed to the regular people. But you can’t get people to cooperate or even to have enough self-discipline to go along with something that isn’t for their immediate and measurable benefit. And so the big players know they can abuse and exploit.
A more perfect union, that can establish justice and domestic tranquility. One that provides for the common defense, promotes the general welfare, and secures the blessing of liberty for ourselves and future generations.
One big union? For all the industrial workers in the world? I wonder if anyone has thought of that before.
We need a kind of everybody union.
In a democracy, that’s called a government.
U.S.A. is not a democracy, it’s an oligarchy. Has been for decades, but more so now than ever before. Corporations have begun to openly ignore law and have no fear of punishment. Because they own the government they write the laws and they decide what happens everywhere.
As I said in a different comment, it’s a painful thing to hear, but the sad simple truth is, the bad guys won.
Isn’t that ideally what the government is supposed to be? We can’t all individually fight for ourselves, so we vote for people to represent us and work to protect our interests. That is, if politicians actual represented their constituents and not the highest bidder.
In Australia ACCC takes care of abusive businesses, surely there must be something like that? Even 3rd world countries like Brazil has something like it.
Nope. America is OWNED by rich people. It’s a corporation and they make the laws so all the laws are to help them have more power.
We have the Federal Trade Comission but it needs to have the balls to really protect us.
Even when they step up its usually a small fine the offender just writes off as the cost of doing business.
Corp breaks a law. Makes $100m profit. Gets $10m fine. All good for the books!!
I haven’t been to Brazil but as far as its politics goes I don’t think it’s that 3rd world
Ill add a worker cooperative might be even better than a union because a union can easily be corrupt
The country was founded by slave owners.
Thanks for starting your argument with this, so I know I can ignore the rest.
So you don’t understand basic American history or what the word ignore means. Got it.
Vote. Seriously. Recent history around consumer protection has been very partisan and this is something that impacts us all
One party creates things like
- cfpb
- net neutrality
- ACA
- education assistance
The other party. Cancels, sues, interrupts. Project 2025 probably tries to entirely destroy
One party creates things like cfpb
Putting warning labels on predatory lending. Spending more time fighting various right-wing interests in the right-wing dominated courts than doing any actual regulating. Does nothing to deliver actual money to the people who need it - all they can do is regulate the extent to which a private loan is shitty and extortionary.
net neutrality
Tries to regulate the ISP monopoly rather than breaking it up. Doesn’t actually guarantee internet access to anyone. Doesn’t extend high speed internet or establish public internet access points. Also constantly under fire in the right-wing dominated courts, such that they can’t effectively deliver on their function.
ACA
The best thing about the ACA is the extension of who qualifies for Medicaid. Everything else is a band-aid on a band-aid. Just open up Medicaid as the Public Option and you’d have done more good for more people in the long run.
education assistance
Doesn’t limit the total cost of education. Can’t even extend loans at the Prime Rate, because some private middle man always needs to get a cut. Doesn’t improve access to education by setting up new public schools or vocational programs. Doesn’t increase teacher pay, reduce student housing costs, or mitigate the cost of living while pursuing an education.
Blah blah, the Republicans Are Worse. But the Democrats only ever seem capable of operating through the private sector via subsidies and civil penalties. Where is the actual public infrastructure? What does the public sector actually own and operate? What is being delivered at cost rather than as a profit-center for a third party?
I once got screwed by my mortgage provider and was helpless. I submitted a complaint to the CFPB and they contacted my mortgage provider and made them make things right. That directly translated to significant money back in my pocket.
All of these are really important policy changes that have positively impacted our society. How do you spark change to the effect of all these? I recently reached out to the Federal trade commission on one company that has some extremely predatory practices but don’t think that’ll do anything. What other methods can I use? Email congressman or something?
After two hours of calls to try to resolve mobile data failing to work with a particular company who said I’ll have to factory reset my device, I said I would have to do it later, but would probably end up contacting the FCC. After I hung up, mobile data was magically working in less than two minutes.
And for the cherry on top, the party in the 2-party system that claims to be the “good” side trying to implement all these citizen-friendly policies have enjoyed multiple majorities in the last 40 years that would have allowed them to do these with the snap of a finger using well documented legal mechanisms.
And yet, they do not.
That liberal sneer about leftists just wanting to complain rather than fix things? Also projection.
Really weird how everywhere I turn, the “good” side is doing the same fucking thing as the bad orange side.
“both sides are the same” is exactly what republicans want everyone to think
Good question and good examples. With things like forced arbitration in user agreements I’d love to know more on how to turn things around on this.
I spoke to a lawyer about something similar to this recently and he basically just laughed at me. Told me there is no way it’s worth it, would cost tens of thousands of dollars to fight it in court and would basically have no gain to me personally at all. Overturning such a small amount no matter how wrong or immoral it is would be extremely costly on both sides but they have way more money to throw at the issue than I do which I totally agree with honestly. So you can do something that’s totally immoral, just as long as you have tons of money behind you to pay for it
And this right here is one of the fundamental injustices of the American legal system. It’s completely fucked that some conglomerate can basically railroad an individual into poverty from a bullshit lawsuit and that private individuals without deep pockets essentially have zero recourse in the legal arena.
I finally was able to cancel a Telus home security service after they tried to put me in a 3 yr contract. I finally was able to cancel. I sent the equipment back and then they started charging me other monthly fees as if I had renewed. I didn’t even have their equipment anymore.
another 45 minutes on the phone and they say it is finally cancelled. But who knows. I’ll probably have to call again when they take the amount from my bank account despite removing my bank info from their site.
A company with 19.2M users. Imagine how many people are robbed “by mistake.” This is not a mistake but part of their internal procedures.
Cancelling a service even when contract is over is made difficult on purpose.
Yeah I am seeing this more and more. You even see it business to business. We need regulation, monopoly busting, and progressive taxation.
I don’t know if you’ve been following what Lina Khan’s been doing with the FTC but there’s some incredibly antitrust work which she’s been putting into play. They’ve been really going after monopolization and Biden’s been putting forth rules to make breaking subscriptions easier, which would help with OPs particular problem: https://www.nytimes.com/2024/08/15/us/us-government-unsubscribe-memberships.html.
