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[random advice from the internet] If it matters, hiring a lawyer might get their attention. But while it is probably an injustice and $3k feels like real mone

[random advice from the internet] If it matters, hiring a lawyer might get their attention. But while it is probably an injustice and $3k feels like real money to most people, how much are your time, and emotional energy worth? You are up against an extractive institution with teams of professionals who spend all day, five days a week, fifty weeks a year figuring out what can be gotten away with. And their compensation correlates to how much is gotten away with. Their phone tree can be programmed to route your call to the bit bucket when wearing you down by the runaround isn’t working. None of this is a misunderstanding, it is all by design. Good luck.

giantg2 1y ago
I wouldn't spend money on lawyer for consumer protection issues. I'd submit a complaint to the state attorney general consumer protection department.
- brudgers 1y ago
  Like I said “if it matters.”
  - giantg2 1y ago
    That's not the same. It can matter and you can get similar results through your attorney general without spending your own money. If it doesn't matter, then you wouldn't do anything.
    - brudgers 1y ago
      Because anything else would be unprofessional, you can safely assume the getting-away-with-it calculation considers the applicable attorney general and that there is a budget for political contributions as well. The calculation also includes the probability you contest denial with a lawyer drawn from accurate data across many denials. Because anything else would be unprofessional.
      - giantg2 1y ago
        You greatly overestimate the planning and ability of most companies. Most of these companies assume that most people won't contact the AG or an attorney. Most of these companies correct the issue once the AG or regulator gets involved because it's cheaper than fighting. They only fight the really expensive stuff. This is how it works as I've seen it happen.

giantg2 1y ago

I wouldn't spend money on lawyer for consumer protection issues. I'd submit a complaint to the state attorney general consumer protection department.

brudgers 1y ago
Like I said “if it matters.”
- giantg2 1y ago
  That's not the same. It can matter and you can get similar results through your attorney general without spending your own money. If it doesn't matter, then you wouldn't do anything.
  - brudgers 1y ago
    Because anything else would be unprofessional, you can safely assume the getting-away-with-it calculation considers the applicable attorney general and that there is a budget for political contributions as well. The calculation also includes the probability you contest denial with a lawyer drawn from accurate data across many denials. Because anything else would be unprofessional.
    - giantg2 1y ago
      You greatly overestimate the planning and ability of most companies. Most of these companies assume that most people won't contact the AG or an attorney. Most of these companies correct the issue once the AG or regulator gets involved because it's cheaper than fighting. They only fight the really expensive stuff. This is how it works as I've seen it happen.