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?
When corpotations are allowed to buy out politicians, this is the end result. Corporations have no responsibility, they know they will not be held accountable.
if corporations were people, most would literally be narcissistic sociopaths, which is of course why the owner class likes them so much.
Personally I’d recommend focusing your time and energy on the things you can control. As an individual, there is nothing you can do alone about it. If you feel strongly enough about it you could join or start an advocacy organization about the part of the problem you find most galling. But the truth is unless enough people both want change and are motivated to take action to get it the world will continue its decline unchecked.
Volunteer if you can, but try not to let it get to you. The impersonal brutality of our world sucks butts. Some horny french guy would tell you that life is absurd. If everyone agreed we shouldn’t burn fossil fuels, we wouldn’t. But we can’t ever all agree about anything. Most landlords aren’t malicious, they just don’t understand how their greed affects others and don’t care enough to try. The horny french guy’s drinking buddy and metamore would say you can only laugh at the absurdity of existing at all. If you look hard enough the entire universe seems in on how fucked we all. Do what you can, but find something else that makes it bother you less (like a hobby, not a meth habit). I like writing weird stuff and being the model maliciously compliant tenant.
You totally have a move with the landlord. Follow the rules of your lease chapter and verse. I bet there is a specific clause in there about you being responsible for any unreported maintenance issues. And there is also a clause saying something about the landlord’s responsibility to perform maintenance. There is usually some wiggle room, but there is probably like a two week window in which the landlord is required to fix any issues with their building.
Report everything. Get on a first name basis with the maintenance folks and whoever answers the phone for your landlord. I had a roach problem because my next door neighbor was a hoarder and left my landlord voicemails every night updating them on all the new locations I have found roaches and my efforts to eradicate them myself. Once the roaches were dealt with my landlord was very willing to overlook those maintenance fees because it’s cheaper than court.
Edit: and was probably grateful not to deal with that tenant.
What if OP went to law school and became a lawyer? Then runs for office and becomes a legislator? Maybe a judge?
One person can change a lot. That’s what the phrase means, “we the people.” There’s nobody else coming to help us govern, just people.
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.
it’s because money equals power and they have all the money and are able to build mechanisms to suck the money you have so that they have even more money. Can’t help with the landlord but for the pest control using something like virtual credit cards numbers. so if they won’t let you cancel. you just delete that card and they lose acess to your payment details. when they contact you for payment just cancel right then.
Capitalism. The answer for most societal problems we face.
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.
Ill add a worker cooperative might be even better than a union because a union can easily be corrupt
Any group of people can become corrupt if it is filled with corrupt people.
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.
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.
One big union? For all the industrial workers in the world? I wonder if anyone has thought of that before.
Too bad it never works.
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.
Well yes except our government is bought and owned by those corporations. That’s why we are not represented by them.
There’s a simple way to put it, but it’s painful to hear: the bad guys won.
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.
Dang, if only we had written that down and made it legally enforceable
I have had this same thought many times! Vote with our wallets en masse. It’s kind of almost happening to fast food.
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.
I haven’t been to Brazil but as far as its politics goes I don’t think it’s that 3rd world
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.
I wouldn’t see it so black-and-white. I don’t think Tim Walz is owned by anyone and he is running for VP.
AIPAC owns him.
He’s beholden to the corporations controlled by the wealthiest 1%. Anyone who gets elected is already someone who “plays ball” because they don’t get to there otherwise.
Ha you don’t even get to run without people in line to donate to you. And since corp donates for both candidates it’s a win or win situation for them, which implies lose or lose for everyone.
It would be nice if corporate bribery were not allowed. Giving tens of millions to them - to their “campaign” - which they all funnel and launder into their pockets - is literal and unambiguous bribery. And yet it’s the reality of our nation.
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!!
True but Lina Khan’s been doing some great work in changing that agency’s track record.
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.
Sounds like what we really need is WW3
Accelerationism isn’t a good look
I’d rather have a New Deal 2
Electric Boogaloo
basically capitalism
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.
See also: blaming “capitalism” for literally everything
Why would regular people need protection? They don’t have shareholders! 🤷🏻♂️
Well one big fix would be to make legal services free at point of services and instead make the government responsible for paying the salaries of lawyers.
Call it Justice for All like Medicare for All but more patriotic sounding and litigious.
Kills SLAP suits, and opens the gates for people who had legitimate grievances but were scared of the legal fees and costs to have access to their day in court.
To make major, sustained, positive change would require widespread violent revolution.
It’s the only thing we will have left pretty soon. Capitalism is pretty close to flatlining. Then we will have a Corporate Congress and the nation will become The United Corporation of America - in name as opposed to now where that’s what it is but it’s not yet called that.
I do anticipate fascism becoming overt after November, but the powers that be will market it well, like that time they turned Nazism into ‘White Nationalism’.
We already have corporate Congress.
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?
It’s sad that this is the best option for y’all.
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.
I once got screwed by my mortgage provider
This is the root of the problem. You shouldn’t need to borrow money from a private third party in order to purchase a home.
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.
Fuck your bullshit propaganda.
“both sides are the same” is exactly what republicans want everyone to think
They’re not the same. They’re just different shades of shit.
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.
This is why you never use autopay
only use it on accounts you can easily cancel.
The entire justice system rests on how much money you have.
It’s capitalism, capitalism is the core of the problem.
It treats people who have wealth as good people who always have a chance to appeal injustice and people without wealth as never having an opportunity to fight injustice.
You would literally need to tear it all down and start over because the US Consitution is kind of a piece of garbage and we spend way too much time jerking off the old dead white slave-owners who wrote down that “All men are created equal… as long as they’re white and own land.”
In some more civilized countries, they do things like peg criminal fines to the wealth of the person who committed the crime? Poor person? Small fine. Rich person? Huge fine. It’s decided based on a percentage of their wealth. So the wealthier criminals literally pay more because of their financial influence.
I guess they don’t have their wealthy running the government and writing the laws.
You need to read the terms of the agreement
If you are in the right, don’t pay and let them sue you. Go to the judge and explain the situation.
This is how you handle if you are confident you are right.
If you are not confident, then tuck your dick and pay daddy what he said.
There is nothing in-between.
Sometimes they have automatic payments that go though your account. Once they took it try to get it back.
I am not following
He’s saying they will illegally initiate a transfer from your bank of more money than they agreed to take. Forcing you to sue them to get it back, rather than the other way around.
With the understanding of course that initiating a lawsuit is prohibitively expensive for normal people.
Particularly normal people whose money they can take.
I am not a lawyer, but consumer protections should generally kick in when an issue is actually evaluated in a court. If you are being charged for things you believe to be unfair, you would need to refuse to pay, then see them in action after the business escalates it. Often, a predatory business will give up when it knows it doesn’t have a case. But it’s pretty hard to work on behalf of a citizen if they ultimately are convinced that they do have an obligation to pay after all.
I agree with the other commenter on the first issue. If you have been paying the amount you were charged, and then hit with surprise retroactive charges, you would have a serious case in small claims. I expect a judge would favor you if it’s as described. $1000 for late fees is exorbitant, especially when the glitch was from their software and not rectified quickly. Unless you’re leaving out relevant details that explains the situation better.
For the second issue, needlessly cumbersome cancellation processes are considered dark patterns and may be illegal in some cases. These cases are being enforced more recently, even against large companies like Amazon. For your pest control case though, if you face pushback when cancelling it’s pretty simple to tell them you won’t be using their services and will refuse to pay. If you already paid, you may be able to issue a chargeback after explaining the situation to your bank. Seeing as how you would be being charged for services not done, I don’t see how the business could contest that after being informed of the cancellation. You would still be on the hook for a (reasonable) cancellation fee, as lost business from a cancelled reservation does represent real damages.
We are a country with a litigious history and we have recognized considerable rights for consumers. Just because you feel powerless doesn’t mean you are.
I’d wager that his lease has a mandatory arbitration clause that requires him to pay up front then try to get it back via arbiters chosen by the landlord.
Sorry I’m not american, but what is Pet Rent? never heard of that
I assume it’s a surcharge on their rent for the fact that they have a pet.
I assumed that too but couldn’t believe
It’s an extra monthly fee to cover the cost of extra cleaning and repairs needed due to tenants having pets and the damage they cause.
It’s exactly what it sounds like. Extra bullshit monthly rent tacked onto the regular rent in addition to a usually non-refundable pet deposit at time of move in or pet adoption.
Basically you’re a money faucet in the US, and wide open if you have pets or kids
Wait, Kids too?!! omg
I get the deposit, pets can be destructive, but pet rent is peak captalism. It’s like charging rent by the weight!
thank god I don’t have that here coz I have 2 dogs and 2 cats.
So that applies to any pet? Even hamsters and fish?
To be clear, rent is usually one value for however many humans will be living there, but everywhere has different rules for pets. For the most part you’re restricted to one or two dogs specifically if they’re allowed at all. Some places will charge the same for one or more, some will charge more for 2. It’s really variable. But with RealPage leading the way with the largest rental management companies, is getting pretty unified and difficult to not get fucked over by.
Smaller pets like fish or hamsters usually aren’t mentioned or charged for though that I’ve seen.
My lease explicitly prohibits fishtanks (and waterbeds IIRC). Pretty limited to just cats and dogs.
