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CONSUMER CORNER: Stop Systemic Abuse of Working Consumers
Car Dealerships
Older Adult Employment Discrimination
Older Adult Employment Discrimination
July 2024-CURRENT
(True Story)
"Car Dealerships should not have this kind of Power."
Consumer purchased a used vehicle at this dealership. Two months after purchase, vehicle lights malfunctioned. Dealership refused to repair although consumer purchased warranty. Upon a requested vehicle diagnostic test, consumer discovered that purchased used vehicle was a "lemon". Consumer voluntarily surrendered vehicle. Car dealership then placed charge-off on consumer's credit. Car dealership refuses to remove charge-off. Consumer's credit score has now plummeted from 710- 590 due to this charge-off, hurting consumer's chances of moving forward financially.
This is happening to consumers across the United States.
Why are car dealerships being allowed to sell defective vehicles to the public with refusals to repair? Why are car dealerships persuading consumers to purchase warranties when they refuse to use this contractual agreement for repairs? Why are particular parts of the warranties for specific repairs for major work being eliminated from the process? Who is regulating the car purchasing process for consumers?
What the car dealership has done to the above consumer is not ethical or financially sound. It is simply an egregious attempt to make quick money at the expense of the consumer.
Consumer names withheld publicly. Consumer info given only for agreed Attorney Help and Retainer
Older Adult Employment Discrimination
Older Adult Employment Discrimination
Older Adult Employment Discrimination
November 2021--CURRENT
(True Story)
"Older Adults Deserve Better"
Former teacher was "constructively forced" and harassed into taking a buyout, due to age as an older teacher.
After leaving teaching, consumer returned to school to study technology and received certification in Data Science. Consumer switched careers. Consumer now has skills in Data Analysis, the Data Science and Machine Learning process (cleansing and organizing data, coding/no coding, Power B.I., Machine Learning, etc.) and Artificial Intelligence skill for building apps and chatbots. Soon after consumer posted on Linkedin and began sending out resumes for employment. However, because Applicant Tracking systems such as Ashby, Oracle Taleo, Lever, Greenhouse+Lever, iCIMS Talent Cloud, Workday Recruiting/SAP SuccessFactors, Handshake, Symplicity, etc., use criteria such as birthday dates, career dates and college date questions on employment applications, to help "weed" out older adult workers and block older adults from getting good decent paying jobs-- technology included, this criteria makes the employment process very difficult. Older adult consumers' lives have taken a very drastic turn. Older adults feel "frozen out" of the U.S. system due to age. This is also supposed to be illegal. But this seemingly APPROVED DISCRIMINATION, has also violated the Civil Rights of Older Adults as well. THIS NEEDS TO STOP!
But the act of "privatization" allows private employers to hire whom they desire and disregard the standard rules for employment. But shouldn't older adult employers who have received federal funding and contracts to start their businesses, be subjected to the same rules and criteria that they are subjecting other older adults to? Should they be allowed to even do business in the U.S. due to their older age? Furthermore, how is it that we still have U.S. Senators and Representatives who are 65+ still working in our Congress? This is a double standard and again, it needs to stop!
To date, consumer has now been forced to take a low paying, part time job just to make ends meet qualifications. Many other older adults are regretfully experiencing this same thing all over the United States. They are gradually losing a lifestyle that they have worked very hard to build because they can't get good paying, decent jobs. All citizens in the U.S. have the right to work, but is it dignified work? Older Adults are doing the work and receiving the training in an effort to help themselves in their later years, America, what are you doing?
Consumer names withheld publicly. Consumer info given only for agreed Attorney Help and Retainer
CREDIT UNIONS
UTILITY COMPANIES--A consumer nightmare
UTILITY COMPANIES--A consumer nightmare
"Credit Union functions like a bank instead of a Credit Union."
(True Story)
October 2025
Credit Union offered a "no credit check, On the spot "loan. Online mobile requirements for this loan state: Members can only borrow $200-$2000 and must be a Credit Union member for at least 6 months, Repayment period up to 12 months, 1 loan at a time, Primary Account Holder only.
The first time, consumer member applied for and was approved for an $800 loan as consumer was in July 2025 although consumer has been a member of this Credit Union for over 20 years. Consumer also paid the $800 loan off within 4 months instead of 12. A few weeks later, consumer had a dire emergency. Consumer again applied for an "On the spot loan" to help to alleviate the financial burden of the emergency and was surprisingly denied. Member then inquired directly to the Credit Union in person, but Member consumer was told in person, (unlike the given online mobile info), that members may only apply for this type of loan twice within a 6-month period and must wait 6 months before applying for another loan. However, the member had only applied ONE TIME for a loan during the consumer's 20+ years as a member. This seemed to be a "bait and switch" tactic. Not only that, but Member consumer was then encouraged to apply for a regular loan (member's credit would be pulled like a bank's process).
Although the one-time loan promised "no credit check", Credit Union still did not help member consumer alleviate the emergency although consumer has been a loyal member for over 20 years. The Credit Union also did not even acknowledge the fact that consumer paid the loan off four months early and treated the entire situation like a banking process--without reciprocated loyalty.
Consumers have also complained about credit unions allowing merchants to access and withdraw funds from customer accounts although the merchant may not have ever had a history of withdrawing funds from the customer which has created many fraudulent transactions, unnecessary overdraft fees, other account security issues and insufficient customer wait times when doing business with credit unions. Credit Unions are not-for-profit organizations owned and operated by their members. No shareholders, unlike banks. But they do have a Board of Directors which should line up with member interests, rather than profits. The above member has been grossly neglected.
Consumer names withheld publicly. Consumer info given only for agreed Attorney Help and Retainer
UTILITY COMPANIES--A consumer nightmare
UTILITY COMPANIES--A consumer nightmare
UTILITY COMPANIES--A consumer nightmare
"Utility Bills should not be this high"
(True Story)
September 2025
When consumer checked the mail, consumer received a $700 electricity bill FOR ONE MONTH. Relatively sure that this was a mistake, as consumer worked practically all day and well into the evenings, and was practically never home, consumer called the Utility Company and was given a frivolous explanation and coldly offered a payment plan. Furthermore, consumer stated that it almost seems like working consumers almost have to be close to homelessness in order to get any kind of financial assistance in this state ...Consumer was highly upset as consumer is an older adult working two low paying jobs. The utility bill alone took more than half of one of the consumer's paychecks. The following months were about the same in charges $400-$700 a month. Nothing really changed. Why is this? For years, consumers have complained to the Utility Commission about the high electricity bills to no avail--even while living in a one-bedroom apartment.
Consumer now lives in a small, modest older home and has had wattage checked numerous times. Consumer's home has been clarified as environmentally viable. No energy leaks. New windows. Good foundation. Unplugged major appliances when not home--all to no avail. Yet, the high electricity charges remain the same.
When consumer began checking with other neighbors, neighbors also complained about the same thing: High electricity charges. One neighbor had even installed solar panels on his roof which did not help.
There are many utility companies across the U.S.--OVERCHARGING CONSUMERS.
- Low- and middle-income families are particularly affected, as rising electricity costs have outpaced income growth.
- Households in hotter regions face even higher bills due to increased air conditioning and heat used during summer and winter months.
Utility Profits
- Major utility companies across the United States have reported record profits even as consumer rates have skyrocketed, raising concerns about the fairness of pricing and regulatory oversight. What are these utility companies doing with the profits? Certainly NOT helping the people!
WHO IS REGULATING THESE COMPANIES? THIS IS A NIGHTMARE AND FINANCIAL ABUSE AT ITS FINEST.
Consumer names withheld publicly. Consumer info given only for agreed Attorney Help and Retainer
CONSUMER ANNOYANCES
WHY ARE WE STILL PUSHING FOR MORE TECHNOLOGY IF IT'S NOT WORKING?
Technological outages. Data Breaches. Online scams and Identity Theft. A.I. Deep Fakes. Social media outright lies. With all of this trouble, is the new technology really worth it? Why not keep the manual "foundation of our system" until we can get the technology together?
Furthermore,
WHAT TECHNOLOGY IS ACTUALLY BEING PRODUCED TO HELP CONSUMER LIVES INSTEAD OF PROFITS?
MISSING PAYCHECKS, MISSING PAYCHECK HOURS. HIGH PRICES. TARIFFS. IS IT JUST A CONCERTED EFFORT OF THE ELITE TO GET MORE MONEY? Stop following wrongdoing and start following the money...
Retail and Grocery store Long Lines
It's the same thing every day during the evenings between the hours of 5:00 p.m. to 7:30 p.m. in one state and it's happening consistently across the United States. The event? LONG LINES. When consumers get off of work, the last thing consumers want to face are standing in long lines. Simple solution: PEOPLE WANT TO WORK. HIRE MORE PEOPLE. PRODUCE COMPETENT MANAGERS. With all of the sudden layoffs, money has been saved. Use it to help consumers.
OUR HEROES: Public School Teachers
They literally give their all to help our children. Yes, there are a few bad apples here and there, but that's in any industry. The point is public school teachers stand on the front lines daily to give life and breath to future generations. They face very rigorous challenges--DAILY. By the way, they need a raise.