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Posts Tagged ‘PUBLIC UTILITIES COMMISSION’

DEFEATING CORPORATE PREDATORS WITH “WHO/WHOM?”

In Bureaucracy, Business, Law, Law Enforcement, Self-Help, Social commentary on January 6, 2025 at 12:06 am

It’s easy to be intimidated by a large corporation—such as a bank or phone company—when you’ve been ripped off. After all, it’s well-known, has millions of dollars, and legions of attorneys.     

But when that happens, it’s essential to remember two words: Who/Whom?

Translation: Who can do What to Whom?  

When you’re dealing with people whose greed is equaled only by their arrogance, there is only one way to prevail: You need to make them afraid of you.

And that can be achieved only by finding someone—or some agency—they fear, and turning them into your ally.

A friend of mine—Lynn—tried to order a calendar from an online calendar company. She put in the required information—including her debit card number—but kept getting “Error” messages.

Eventually she quit trying.

Lynn never got the calendar—but she wound up with four separate charges to her debit card, totaling $71.32.

She tried to get a refund from the company—which claimed they couldn’t find the charges.

Meanwhile, Lynn’s bank had in fact confirmed the charges—since the money had been taken from her account. And the bank—Bank of America—promised to remove the charges within 72 hours.

Three days came and went—and no reimbursement had been made to her account. 

Bank of America Corporate Center.jpg

Bank of America Corporate Center

So Lynn called BofA again—and was told it would take about 45 days to run “an investigation” into her loss.

Luckily, an investigator-friend of hers advised her to file a complaint with the Federal Consumer Financial Protection Bureau (CFPB). It can be reached at https://www.consumerfinance.gov/ 

According to its website, the agency operates as follows: 

  • “We create clear rules to implement the law and preserve choices for consumers.”
  • “We enforce federal consumer financial laws by investigating cases of potential wrongdoing and taking action.”
  • “We supervise financial companies to ensure compliance with federal consumer laws.”

So she called the agency—at (855) 411-2372 on a Friday—and waited to see what happened. 

Two days later—a Sunday—she called Bank of America to check her balance. To her surprise, she found that the bank had found a way to reverse the fraudulent charges that had been made to her debit card.

And it had done in far less than 45 days.

Clearly, someone at BofA had gotten the message: This is no woman—or agency—to take lightly.

CFPB seal.png

Then there’s this case: From November, 2011 to February 2012, AT&T demanded that Dave pay for a service the company had failed to provide.

They had promised to supply him with Uverse high-speed Internet—at 25 MBPs a second. Instead, he had gotten only 6 MBPs—and a big dot in the middle of his computer screen while watching YouTube videos. 

Finally, an AT&T rep told him the blunt truth: His geographical area in San Francisco was not yet supplied with the fiber-optic cables that could provide high-speed Internet service. 

Dave canceled Uverse—and began getting a series of bills from AT&T.

After getting a phone call from a collection agency, Dave decided to ask me to intervene on his behalf.

I decided to go directly to the Office of the President of AT&T.

Why? Because the man at the top of an organization cannot fob you off with the excuse: “My hands are tied. I can’t do it.”

He can do anything he wants.

I found the name of the president by a quick search on Google under: “AT&T Corporate Offices.”

And at the top of the heap stood Randall L. Stephenson––Chairman of the Board, CEO and President of AT&T Inc.

Randall L. Stephenson - Wikipedia

Randall L. Stephenson

Robert Scoble, CC BY 2.0 <https://creativecommons.org/licenses/by/2.0&gt;, via Wikimedia Commons

I didn’t expect to speak with Stephenson. One of his chief lieutenants would do nicely—such as a woman I’ll call Margie.

First, I introduced myself and said I was authorized to act on Dave’s behalf. Then I handed the phone to Dave (who was sitting next to me) so he could confirm this. 

After that, I briefly outlined the problems Dave had been having. 

Margie—using Dave’s phone number—quickly accessed the computerized records documenting all I had told her. She said she needed three or four days to fully investigate the matter before getting back to me.

Police long ago learned the “good cop/bad cop” routine usually works wonders. So I decided to apply a variation of this with Margie. 

I said that Dave wanted to resolve this quietly and amicably. But, if necessary, he was prepared to do so through the California Public Utilities Commission (PUC) and the Federal Communications Commission (FCC)—both of which have jurisdiction over AT&T. 

Margie hurriedly said there was no need to conduct an investigation after all. In fact, she added, she was writing a credit to Dave of $150.00 that very minute.

Why had Margie changed her mind?

Just as banks use every excuse to charge their customers for anything they can get away with, so do phone companies. AT&T wouldn’t want the PUC and FCC to start asking: “Is AT&T generally dunning customers for money they don’t owe?”

I had no doubt the answer would have proven to be: “Yes.” 

And I believe that Margie felt the same way. 

DEFEATING CORPORATE PREDATORS WITH “WHO/WHOM?”

In Bureaucracy, Business, Law, Law Enforcement, Self-Help, Social commentary on December 14, 2020 at 12:12 am

It’s easy to be intimidated by a large corporation—such as a bank or phone company—when you’ve been ripped off. After all, it’s well-known, has millions of dollars, and legions of attorneys.

But when that happens, it’s essential to remember two words: Who/Whom?

Translation: Who can do What to Whom

When you’re dealing with people whose greed is equaled only by their arrogance, there is only one way to prevail: You need to make them afraid of you.

And that can be achieved only by finding someone—or some agency—they fear, and turning them into your ally.

A friend of mine—Lynn—tried to order a calendar from an online calendar company. She put in the required information—including her debit card number—but kept getting “Error” messages.

Eventually she quit trying.

Lynn never got the calendar—but she wound up with four separate charges to her debit card, totaling $71.32.

She tried to get a refund from the company—which claimed they couldn’t find the charges.

Meanwhile, Lynn’s bank had in fact confirmed the charges—since the money had been taken from her account. And the bank—Bank of America—promised to remove the charges within 72 hours.

Three days came and went—and no reimbursement had been made to her account. 

Bank of America Corporate Center.jpg

Bank of America Corporate Center

So Lynn called BofA again—and was told it would take about 45 days to run “an investigation” into her loss.

Luckily, an investigator-friend of hers advised her to file a complaint with the Federal Consumer Financial Protection Bureau (CFPB).  It can be reached at https://www.consumerfinance.gov/ 

According to its website, the agency operates as follows: 

  • “We create clear rules to implement the law and preserve choices for consumers.”
  • “We enforce federal consumer financial laws by investigating cases of potential wrongdoing and taking action.”
  • “We supervise financial companies to ensure compliance with federal consumer laws.”

So she called the agency—at (855) 411-2372 on a Friday—and waited to see what happened. 

Two days later—a Sunday—she called Bank of America to check her balance. To her surprise, she found that the bank had found a way to reverse the fraudulent charges that had been made to her debit card.

And it had done in far less than 45 days.

Clearly, someone at BofA had gotten the message: This is no woman—or agency—to take lightly.

CFPB seal.png

Then there’s this case: From November, 2011 to February 2012, AT&T demanded that Dave (not his real name) pay for a service the company had failed to provide.

They had promised to supply him with Uverse high-speed Internet—at 25 MBPs a second. Instead, he had gotten only 6 MBPs—and a big dot in the middle of his computer screen while watching YouTube videos. 

Finally, an AT&T rep told him the blunt truth: His geographical area in San Francisco was not yet supplied with the fiber-optic cables that could provide high-speed Internet service. 

Dave canceled Uverse—and began getting a series of bills from AT&T.

After getting a phone call from a collection agency, Dave decided to ask me to intervene on his behalf.

I decided to go directly to the Office of the President of AT&T.

Why? Because the man at the top of an organization cannot fob you off with the excuse: “My hands are tied. I can’t do it.” He can do anything he wants.

I found the name of the president by a quick search on Google under: “AT&T Corporate Offices.”

And at the top of the heap stood Randall L. Stephenson––Chairman of the Board, CEO and President of AT&T Inc.

Randall L. Stephenson - Wikipedia

Randall L. Stephenson

Robert Scoble, CC BY 2.0 <https://creativecommons.org/licenses/by/2.0&gt;, via Wikimedia Commons

I didn’t expect to speak with Stephenson. One of his chief lieutenants would do nicely—such as a woman I’ll call Margie.

First, I introduced myself and said I was authorized to act on Dave’s behalf. Then I handed the phone to Dave (who was sitting next to me) so he could confirm this. 

After that, I briefly outlined the problems Dave had been having. 

Margie—using Dave’s phone number—quickly accessed the computerized records documenting all I had told her. She said she needed three or four days to fully investigate the matter before getting back to me.

Police long ago learned the “good cop/bad cop” routine usually works wonders. So I decided to apply a variation of this with Margie. 

I said that Dave wanted to resolve this quietly and amicably. But, if necessary, he was prepared to do so through the California Public Utilities Commission (PUC) and the Federal Communications Commission (FCC)—both of which had jurisdiction over AT&T. 

Margie hurriedly said there was no need to conduct an investigation after all. In fact, she added, she was writing a credit to Dave of $150.00 that very minute.

Why had Margie changed her mind?

Just as banks use every excuse to charge their customers for anything they can get away with, so do phone companies. AT&T wouldn’t want the PUC and FCC to start asking: “Is AT&T generally dunning customers for money they don’t owe?”

I had no doubt the answer would have proven to be: “Yes.”

And I believe that Margie felt the same way. 

WHY AMERICANS HATE CABLE COMPANIES

In Bureaucracy, Business, History, Politics, Self-Help, Social commentary on July 29, 2016 at 12:17 am

In 1970, Robert Townsend, the CEO who had turned around a failing rent-a-car company called Avis, published what is arguably the best book written on business management.

It’s Up the Organization: How to Stop the Corporation From Stiffling People and Strangling Profits.

Though published 46 years ago, it should be required reading–for CEOs and consumers.

Don’t fear getting bogged down in a sea of boring, theory-ridden material.  As Townsend writes:

“This book is in alphabetical order. Using the table of contents, which doubles as the Index, you can locate any subject on the list in 13 seconds. And you can read all I have to say about it in five minutes or less.

“This is not a book about how organizations work.  What should happen in organizations and what does happen are two different things and about as far apart as they can get.  THIS BOOK IS ABOUT HOW TO GET THEM TO RUN THREE TIMES AS WELL AS THEY DO.”

Comcast is the majority owner of NBC and the largest cable operator in the United States. It provides cable TV, Internet and phone service to more than 50 million customers.

So you would think that, with so many customers to serve, Comcast would create an efficient way for them to attain help when they face a problem with billing or service.

Think again.

Consider the merits of Townsend’s short chapter on “Call Yourself Up.”

Townsend advises CEOs:“Pretend you’re a customer. Telephone some part of your organization and ask for help. You’ll run into some real horror shows.”

Now, imagine what would happen if Brian L. Roberts, the CEO of Comcast, did just that.

Brian L. Roberts: Leading Comcast Corporation's Evolution into A Global  Media and Technology Powerhouse | Key Executives

Brian L. Roberts

First, he would find that, at Comcast, nobody actually answers the phone when a customer calls. After all, it’s so much easier to fob off customers with pre-recorded messages than to have operators directly serve their needs.

And customers simply aren’t that important–except when they’re paying their ever-inflated bills for phone, cable TV and/or Internet service.

Comcast’s revenues stood at $19.25 billion for the fourth quarter of 2015. 

In 2015, Roberts earned $36.2 million in salary, options and other compensation, a 10% increase from 2014.

So it isn’t as though the company can’t afford hiring a few operators and instructing them to answer phones directly when people phone in.

But instead of being directly connected to someone able to answer his question or resolve his problem, Roberts would hear:

“Welcome to Comcast–home of Xfinity.”

Comcast - LiveRamp

Then he would hear an annoying clucking sound–followed by the same message in Spanish.

“Your call may be recorded for quality assurance.

“To make a payment now, Press 1.  To continue this call, Press 2.”

Then he would hear: “For technical help, press 1, for billing, press 2.  For more options, press 3.”

Assuming he pressed 2 for “billing,” he would hear:

“For payment, press 1  For balance information, press 2.  For payment locations, press 3.  For all other billing questions, press 4.”

Then he would be told: “Please enter the last four digits of the primary account holder’s Social Security Number.”

Then, as if he hadn’t waited long enough to talk to someone, he would get this message: “Press 1 if you would like to take a short survey after your call.”

By the time he heard that, he would almost certainly not be in a mood to take a survey.  He would simply want someone to come onto the phone and answer his question or resolve his problem.

Then he would hear: “At the present time, all agents are busy”–and be electronically given an estimate by when someone might deign to answer the phone.

“Please hold for the next customer account executive.”

If he wanted to immediately reach a Comcast rep, Roberts would press the number for “sales.”  A sales rep would gladly sign him up for more costly products–even if he couldn’t solve whatever problem Roberts needed addressed.

Assuming that someone actually came on, Roberts couldn’t fail to notice the unmistakable Indian accent of the rep he was now speaking with.

Not Indian as in American Indian-because that would mean his company had actually hired Americans who must be paid at least a minimum American wage for their services.

No, Comcast, like many other supposedly patriotic corporations, “outsources” its “customer service support team” to the nation, India.

After all, if the “outsourced” employees are getting paid a pittance, the CEO and his top associates can rake in all the more.

Of course, the above scenario is totally outlandish–and is meant to be.

Who would expect the wealthy CEO of a major American corporation to actually wait in a telephone queue like an ordinary American Joe or Jane?

That would be like expecting the chief of any major police department to put up with hookers or panhandlers on his own doorstep.

For the wealthy and the powerful, there are always underlings ready and willing to ensure that their masters do not suffer the same indignities as ordinary mortals.

Such as the ones who sign up for Comcast TV, cable or Internet services.

WHY PEOPLE HATE CABLE COMPANIES

In Business, Self-Help, Social commentary on December 12, 2014 at 12:01 am

In 1970, Robert Townsend, the CEO who had turned around a failing rent-a-car company called Avis, published what is arguably the best book written on business management.

It’s Up the Organization: How to Stop the Corporation from Stifling People and Strangling Profits.

Product Details

Though published 42 years ago, it should be required reading–for CEOs and consumers.

Don’t fear getting bogged down in a sea of boring, theory-ridden material.  As Townsend writes:

“This book is in alphabetical order.  Using the table of contents, which doubles as the Index, you can locate any subject on the list in 13 seconds.  And you can read all I have to say about it in five minutes or less.

“This is not a book about how organizations work.  What should happen in organizations and what does happen are two different things and about as far apart as they can get.  THIS BOOK IS ABOUT HOW TO GET THEM TO RUN THREE TIMES AS WELL AS THEY DO.”

Comcast is the majority owner of NBC and the largest cable operator in the United States. It provides cable TV, Internet and phone service to more than 50 million customers.

So you would think that, with so many customers to serve, Comcast would create an efficient way for them to attain help when they face a problem with billing or service.

Think again.

Consider the merits of Townsend’s short chapter on “Call Yourself Up.”

Townsend advises CEOs: “Pretend you’re a customer.  Telephone some part of your organization and ask for help.  You’ll run into some real horror shows.”

Now, imagine what would happen if Brian L. Roberts, the CEO of Comcast, did just that.

Brian L. Roberts

First, he would find that, at Comcast, nobody actually answers the phone when a customer calls.  After all, it’s so much easier to fob off customers with pre-recorded messages than to have operators directly serve their needs.

And customers simply aren’t that important–except when they’re paying their ever-inflated bills for phone, cable TV and/or Internet service.

Comcast’s revenues stood at $16.8 billion for the third quarter of 2014.

In 2013, Roberts earned $31.4 million in salary, options and other compensation, a 7.7% increase from his $29.1 million compensation package in 2012.

So it isn’t as though the company can’t afford hiring a few operators and instructing them to answer phones directly when people phone in.

But instead of being directly connected to someone able to answer his question or resolve his problem, Roberts would hear:

“Welcome to Comcast–home of Xfinity.”

Then he would hear an annoying clucking sound–followed by the same message in Spanish.

“Your call may be recorded for quality assurance.

“To make a payment now, Press 1.  To continue this call, Press 2.”

Then he would hear: “For technical help, press 1, for billing, press 2.  For more options, press 3.”

Assuming he pressed 2 for “billing,” he would hear:

“For payment, press 1  For balance information, press 2.  For payment locations, press 3.  For all other billing questions, press 4.”

Then he would be told: “Please enter the last four digits of the primary account holder’s Social Security Number.”

Then, as if he hadn’t waited long enough to talk to someone, he would get this message: “Press 1 if you would like to take a short survey after your call.”

By the time he heard that, he would almost certainly not be in a mood to take a survey.  He would simply want someone to come onto the phone and answer his question or resolve his problem.

Then he would hear: “At the present time, all agents are busy”–and be electronically given an estimate by when someone might deign to answer the phone.

“Please hold for the next customer account executive.”

If he wanted to immediately reach a Comcast rep, Roberts would press the number for “sales.”  A sales rep would gladly sign him up for more costly products–even if he couldn’t solve whatever problem Roberts needed addressed.

Assuming that someone actually came on, Roberts couldn’t fail to notice the unmistakable Indian accent of the rep he was now speaking with.

Not Indian as in American Indian–because that would mean his company had actually hired Americans who must be paid at least a minimum American wage for their services.

No, Comcast, like many other supposedly patriotic corporations, “outsources” its “customer service support team” to the nation, India.

After all, if the “outsourced” employees are getting paid a pittance, the CEO and his top associates can rake in all the more.

Of course, the above scenario is totally outlandish–and is meant to be.

Who would expect the wealthy CEO of a major American corporation to actually wait in a telephone queue like an ordinary American Joe or Jane?

That would be like expecting the chief of any major police department to put up with hookers or panhandlers on his own doorstep.

For the wealthy and the powerful, there are always underlings ready and willing to ensure that their masters do not suffer the same indignities as ordinary mortals.

Such as the ones who sign up for Comcast TV, cable or Internet services.

HANGING UP ON THE PHONE COMPANY: PART TWO (END)

In Business, Self-Help on April 26, 2013 at 12:02 am

From November, 2011 to February, 2012, AT&T demanded that Dave pay them for a service they had failed to provide.

They had promised to supply him with Uverse high-speed Internet–at 25 MBPs a second. Instead, he had gotten only 6 MBPs a second. And a big dot in the middle of his computer screen when watching YouTube videos.

Finally, an AT&T rep told him the blunt truth:

His geographical area was not yet supplied with fiber-optic cables that could provide high-speed Internet service.

Dave canceled Uverse–and began getting a series of bills from AT&T.

First one for more than $400.

Then a reduced bill for $260.

Then another for $140.

And still another for $126.95.

After getting a phone call from a collections agency, Dave asked me to intervene with AT&T on his behalf.

So I decided to go directly to the Office of the President.

Long ago I had learned a crucial truth:

The man at the top of an organization cannot fob you off with the excuse: “I can’t do it.” He can do anything he wants to do. And once he decides to do it, everyone below will fall into line.

I already had the phone number: (800) 848-4158.

I had gotten this via a google search under “AT&T Corporate Offices.” This gave me a link to “Corporate Governance”–which provides biographies of the executives who run the company.

And at the head stands Randall L. Stephenson–Chairman of the Board, CEO and President of AT&T Inc.

I didn’t expect to speak with him. One of his chief lieutenants would be enough–such as a woman I’ll call Margie.

First, I introduced myself and said I was authorized to act on Dave’s behalf. Then I handed the phone to Dave (who was sitting next to me) so he could confirm this.

I then briefly outlined the problems Dave had been having.

Margie–using Dave’s phone number–quickly accessed the computerized records documenting all I was telling her.

She said she would need three or four days to fully investigate the matter before getting back to me.

I said that, for me, the crux of the matter was this:

An AT&T rep had told Dave the company could not supply high-speed Internet to his geographical area because it had not yet laid fiber-optic cables there.

This meant:
1.There was a disconnect between what AT&T’s technicians knew they could offer–and what its customer service reps had been told;
2.Or, worse, the company had lied when it promised to provide Dave with a service it couldn’t deliver.

I said that Dave wanted to resolve this quietly and amicably. But, if necessary, he was prepared to do so through the Public Utilities Commission (PUC) and the Federal Communications Commission (FCC).

The PUC regulates phone companies at the State level. The FCC regulates them at the Federal level.

Just as I was about to hang up, I said I couldn’t understand why Dave should have kept getting billed, since he had been assured he wouldn’t be.

Margie said that the company felt he owed $150.00 for “breaking” the two-year contract he had signed.

I immediately noted that AT&T had not lived up to its end of the contract–that is, to provide the promised high-speed Internet service. As a result, they could not demand that Dave pay for something that had not been delivered.

Clearly, this set off alarm-bells for Margie.

When I asked her, “How soon can I expect to hear from you on your company’s investigation into this matter?” she said there was no need to conduct one.

In fact, she added, she was writing out a credit to Dave of $150.00 that very minute.

Previously, she had told me it would take three or four days.

Thus, Dave did not owe the company anything for his disappointing experiment with its Uverse service.

I felt certain that Dave’s experience with a rapacious AT&T was not an isolated case. Just as banks use every excuse to charge their customers for anything they can get away with, so do phone companies.

I knew that AT&T didn’t want the PUC and FCC to start asking: “Is ATt&T generally dunning customers for money they don’t owe?”

I believe the answer would have proven to be: “Yes.”

And I believe that Margie felt the same way.

So, when dealing with a predatory company like AT&T:
1.Keep all company correspondence.
2.Be prepared to clearly outline your problem.
3.Know which State/Federal agencies hold jurisdiction over the company.
4.Phone/write the company’s president. This shows that you’ve done your homework–and deserve to be taken seriously.
5.Remain calm and businesslike in your correspondence and/or conversations with company officials.
6.Don’t fear to say you’ll contact approrpriate government agencies if necessary.
7.If the company doesn’t resolve your problem, complain to those agencies, and/or
8.Consider hiring an attorney and filing a lawsuit.