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?
$1000 is likely small claims court. At least where I was, no lawyers are allowed for small claims so the landlord would have to come to deal with it himself or a representative of the payment company.
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
You got over $1000 in late fees from a single month of not having the full amount?
Start organized movements to heavily push for ranked choice voting. If it becomes a national movement then maybe we’ll first start seeing it locally, then on a larger scale.
Join a radical militia or leave.
Why do ordinary people seem so unprotected against these shady practices
Assuming you are in the USA, it’s fundamentally because our politics is fueled by private money. The “haves” spend lots of money to make rules that protect and enrich themselves at the expense of the “have nots”. The rich get richer, and the rest of us get a larger share of the burden.
The rich then spend more of their money convincing everyone else that some minority group of their fellow “have nots” are to blame and let us fight amongst ourselves. They starve us but leave us with just enough left to loose so that the price of doing something about it is too high (quitting, losing insurance, getting arrested at a protest, etc) for most of us to bear.
how can we change this?
Get money out of politics. Get the public to stop blaming their fellow have nots and demand change from the haves.
How does one person even start to address these issues?
Have empathy for and help your neighbors if you can, especially when they take the risks required to push for actual change. Talk to people. Organize. Support/start unions or a mutual aid organization. Go to local government meetings and make your voice heard. Run for local office.
Its easy for a small group of wealthy organizations to tilt specific elections or politics in their favor. It’s much harder them to do that in 1,000+ small communities across the nation.
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.
Why would regular people need protection? They don’t have shareholders! 🤷🏻♂️
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.
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.
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.
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
They’re not the same. They’re just different shades of shit.
Fuck your bullshit propaganda.
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.
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.
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 capitalism
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.
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
I’d rather have a New Deal 2
Electric Boogaloo
Accelerationism isn’t a good look
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.
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.
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.
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.
AIPAC owns him.
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.
I have had this same thought many times! Vote with our wallets en masse. It’s kind of almost happening to fast food.
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
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.
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
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.
There’s a lot of replies here about why US citizens are in the situation they are but not how to fix it, which was the question you asked. You have two political parties in a first past the post system with largely similar corporate focussed policies, people primarily vote against a party rather than for one that represents them. If you really want to change things you’ll need to overhaul your voting system to break up your two party system and encourage competition from parties that actually represent what people want.
Unfortunately there is no safe and easy way to do this; it means the two parties in power giving up that power which they will not do willingly. You’ll need large scale consistent and actually disruptive protests, ie not just meeting up for a day then returning to life as nornal, but the US has a history of responding to protests the same way they do everything; with violence.
So more practically, you can contact your representative at the appropriate level of government and hope they don’t completely ignore you this time.
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.
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.
