H. Chappelle

The delivery service is not great. Today, I did not receive my order, and the Walmart driver did not leave a photo of where he dropped the groceries off--if he did anywhere, he took a photo of the highway instead. I am a senior with chronic conditions--they do not make them pick up where they did the wrong delivery and deliver correctly, this is poor management. This is in Oneonta, NY. The refunds take days, and I may be without food. I live in a rural area and I lost my car in a scam. I am on a restricted diet. There is only a junk food gas station in the village I live in. They also put a huge temporary hold on groceries--especially meat, such as turkey. A small turkey is 11 dollars and the temporary hold is 40 dollars for one small turkey. The prices went up on the cheaper chicken, one dollar more for 10 lbs, and sometimes they do not have it in stock. Usually, I receive my deliveries, but sometimes items are not in stock. I am on a restricted diet, and I I am on a budget. I have to wait for a refund until I can order again, that can take days. I miss having my car--I like to go shopping on my own, instead I am being trapped and dependent on deliveries. The local bus just runs 3x a week once a day, and it takes hours to-and-from. My older service dog has heart issues and is on medications, I am not supposed to stress him out--leaving him alone for hours would cause him stress. This area is a very mean area worse than NYC, who lets a car being taken from a senior in an area with little transportation? I am also a small business owner.

AmeriGas is not civic minded, does not care about its longstanding customers. When they went to a centralized system, the quality of the firm went down, they have no technicians to service the equipment that people purchased from them, and have flaky people handling their consumer advocacy department. I have not had hot water in weeks because AmeriGas has not filled up my tank and it is below 16 percent so I had to put everything on pilot. Usually, AmeriGas refills the tank when it gets to 30 percent.

AmeriGas refuses to put me on budget billing for the summer due to their criteria. I have a seasonal job with less work hours during the summer, so I cannot pay up front during the summer. I paid up front for more than 26 years plus paid for furnaces and when they did maintenance of the equipment I purchased over the years. I used HEAP the past two years since becoming a senior. They have always gotten paid. Now, they will not even put a minimum amount of 100 gallons in the tank and bill me, budget bill me. Since it is their AmeriGas tank, another propane company will not refill the tank. AmeriGas has 100 dollars in my account, and they will not fill my tank with 100 dollars of propane because it is below the minimum that would be around 238 dollars more.

I am a senior with several chronic conditions, and it is difficult to become healthy with such abusive companies and lack of social services. HEAP emergency payments is not open because of missing funds and DOGE. How is this basic civility or decency in society?

This has gone on since May, and the AmeriGas Consumer Advocacy department has done nothing to help the matter and they only called me and emailed me because I sent a complaint about AmeriGas to the NYS governor's office, but so far my propane is not scheduled to be delivered.

I had planned to pay in advance but my federal tax refund is late. I should be receiving unemployment benefits because I am working less hours during the summer, but they have not fully processed my claim even though I filed at the end of June. Here it is August--no federal tax refund yet, no unemployment benefits yet...no hot water.

I love this Discover debit card that has cashback. I live in a rural area and the only bank in the village closed several years ago. So far, this card works at everywhere that I have tried it. It is very easy to use, and the customer service is nice. Though, I have modest means, and it probably is not as powerful as using a regular bank for wire transfers, but basic wire transfers have worked with the card. I have happily had the card for a few months, and I am just so grateful for it.

I never used it though registered on it for several years. When I went to use it today as a maybe, it did not work. Due to the holiday, I forgot I do not get paid until next week and I ran out of food. I did not have all of my information listed, and I did not want to do that either. I tried to delete my Affirm account, and I could not do that. The instructions were incorrect, and "close account" was not in the dropdown. Affirm did not help in times of need, so what is the point. I usually just pay cash for everything because financing stinks, and it is actually against my religion to use it, but I had planned to pay it back in a few days before the finance fees.

I joined today, I have several serious cases in New York State, and I live in a semi-remote area of Upstate, NY. I joined today, and uploaded documents and writeups for five cases regarding consumer protection issues--like losing a car without a lien in a scam involving banks and car dealerships; an Upstate, NY bank putting out-of-state insurance on my car causing me to have a suspended license until September. I have no car now for the first time in my life and I live in a rural area. I am a senior with health conditions. I live in Upstate, NY, Legal Shield gave me a law firm on Long Island, NY--Feldman, Kramer & Monaco that is not in Upstate, NY, and the attorney that called stated he could do nothing, the firm was not allowed to write letters to New York State, State agencies, or any government agencies, etc., he seemed lazy, not wanting to do anything at all, just giving me burbles. He said I would have to get a private attorney or probono (that one can never find) attorney. He recommended the NY Bar Association, another scam ridden nonprofit. I asked for a prompt refund and cancelled my membership, waiting for that to go through. Legal Shield falsely advertises, or I was discriminated against. As of this morning March 17th, Legal Shield has not refunded my money or cancelled my membership, and I requested immediate cancellation last Friday. They respond below that they will "reach out" and I just want an immediate refund and cancellation.

They offer a great variety of products. I live in a rural area with not many stores (there is just one gas station/store in the town I live in), and Amazon offers quite a bit. The only problem I have with Amazon is that they do not let me review products anymore after I gave a good review of a health food product a few years ago. The BBB was not able to do anything about it. I used to sometimes get a few freebie products (not many, just a few) due to reviews and was one of the top reviewers for dog products. Being on a budget, I appreciated being a top reviewer. I still do not understand why they removed me from being a reviewer, their customer service staff could not tell me, and did not reinstate me.

I cannot type some numbers due to a virus and McAfee security does nothing about it. Further, when I installed Total AV, it picked up a problem sent by McAfee and quarantined it. Total AV also is not very good, it also does not remove the virus affecting my typing of some numbers. My email is not working as well this morning. The products are overpriced and do not work well. I am not renewing McAfee, they want me to renew at a much higher price, and its worth about ten dollars if that much. Further, when I try to delete the McAfee security scan app, it will not delete, just the main McAfee deletes.

Total AV and McAfee are not very good. I cannot type some numbers because of a virus, and the antivirus computer software does not remove the problem. When I installed Total AV, it picked up a problem from something sent by McAfee and quarantined it. These products are overpriced, should be around ten dollars, maybe fifteen dollars, if that much. This morning my email is messed up, cannot indent or delete an indent. I work as a tutor, and so this is particularly unacceptable. I have tried different antivirus software over the years, and none of them could do a good job.

I am a tutor for Varsity Tutors. Varsity Tutors offers a tutoring platform, instant chat options, VT schools options, private tutoring options, 2x a week payment. The pay is not great, and there are sometimes glitches in the system. Most of the annoyances are due to the schools and/or parents for not informing a tutor of the current curriculum the student is studying. Varsity Tutors has also been accused of not treating tutors very well--such as with double bookings by mistake, and incorrect times posted to schedules, low pay. I tutor several subjects including study skills and visualization skills. Like many remote companies, they often hire more people than they need, and so there are less opportunities. There was no work during the summer. I try to make a full-time schedule, but so far, I have not been able to do so. I am semi-retired, and I am glad to be able to online tutor from home.

It took them several months to correct my address, but they finally did that, as they said. I did not receive a confirmation copy, but believe they corrected it since I also received an email.

Prior, they messed (most likely on purpose) up my Lifeline application and put a different delivery address with the National Verifier Database. They try to get me to cancel both Assurance Wireless and Lifeline and reapply to correct the address, and then they say they will charge me 10 cents a minute during the interim. Lifeline customer support said on the phone that Assurance Wireless can correct the address on the National Verifier Database that it is their job and that I do not have to reapply, Assurance Wireless says that I have to disconnect and reapply because of a scam letter from Lifeline. That letter stated incorrectly that my Lifeline application was more than a year old. I just applied six months ago and received the phone six months ago, and my application is good until next March, as I was told per phone via Lifeline customer support. I went to the State AGs office about Assurance Wireless and the National Verifier Database, and so far they have done nothing except send Assurance Wireless' response. Assurance Wireless is part of T-Mobile. The Blu phone works well, but does not have much data with the service. Assurance Wireless seems to be running some sort of interior scam on customers to somehow get more money--like 10 cents per minute. I dislike cell phones but seem to need one. I live in a rural area, and I am a senior. I consider this elder abuse. I am trying to work this out with T-Mobile.
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UPDATE: I received a call yesterday (October 15th) and email from Assurance Wireless/T-Mobile that they corrected my address in the database.

They do not do anything. I am a victim of a 27,000.00 elaborate used car scam in Upstate, NY, and I lost my original 2018 Honda Fit trade-in with no lien and I also permanently lost my NYS Drivers License due to the scam as SFCU put Texas insurance on the 2019 Nissan, and NY DMV did not accept the insurance. I lost the 2019 Nissan Versa, a great car from the Ford dealership. The scam involves two banks (SFCU, and Community Bank, NA) and two car dealerships Nissan and Royal Auto of Oneonta, NY). I live in a rural area, and I am a senior. The BBB does nothing about it, just refers me to other agencies that do nothing--NYS Attorney General's Office (Binghamton, NY); Consumer Affairs Protection Bureau, NCUA--none of them do anything and refer me to a different agency. The NYS Consumer Affairs Division does nothing either but refers me to another do-nothing agency. I sense that the consumer affairs departments are all lazy, racist, or incompetent. I spent a lot of time putting all the documents together, and they do not do anything.

Last year, the BBB helped me with receiving a refund from a company. This year, they do not seem to do anything.

Horrible for me as a senior. I live in Upstate, NY and the scenery is beautiful, but it is very business unfriendly--they ruin my eco-friendly businesses with their scams. Lost my used car to an elaborate used car scam on August 1st this year, money missing from my NBT bank accounts last year 2023, do not receive all of my mail and packages for years. NYS Attorney General's Office in Binghamton, NY where I am closest does nothing to help me, they say they have hundreds of thousands of consumer complaints. The atmosphere is trying to turn me into a nag-bag lady. I turned 60 years-old last year. The Legal Aid Society is not funded in Otsego County, NY. I am a minority female. I have been coming to NY's Schoharie County and Otsego County since the 1970s, and in the rural town I live in, most of the newer stores closed since the pandemic and there is just one old gas station with junk food, etc. The bank in this town and the one before closed when the drug dealers left, maybe just coincidence. I want to sell my property and relocate south near a beach area with a nicer small business atmosphere, it is going to be difficult with how this area is going. I am trying to survive without a car, not easy.

They pay out after ten dollars, but it is difficult to make that, the surveys pay two cents even though it looks like they have better paying surveys. The better paying surveys say I do not match and to try another one, and those usually pay two cents, sometimes three cents. Reading their daily emails, one can play scratch and win money, though it says up to 10 dollars or more, the scratch has never yielded more than a few cents. When you do well on the games, they do not register. I never received the ten dollars more I made on Scrabble. On another word game, it does not show up after level 6, so I am missing more than seven dollars. One can report issues, but sometimes they have no answer. I play word games for car gas money, and this is a sad delay to get paid for playing the fun games. This site is better than nothing, but it takes a long time to accumulate enough to cash out.

I applied on November 29, 2023. As of January 24, 2024 nothing went through. They sent a "negligent appraiser" that was Bryan from Somich and Associates, Norwich, NY that devalued my property by at least 30%. Negligent appraiser valued my property less than a recent sold property two blocks away that has 2/3rds less land, house 1/3rd smaller does not have views, is in a depression, and has no stream, and old non-energy efficient windows. He then said to negotiate, that I should show him comparisons and mention stuff he missed, like I should do his job.

(What is worse is that when I went to put my property back up for sale on Zillow, somehow the lower negligent appraisement shown on Zestimate, and not the previous assessments that were $100,000 higher. It is like I am being bothered by a crime group that is devaluing my property and trying to get it cheap or similar, and using Zestimate to do so. I suspect the Klan, white supremacists, and similar. Several credible different realtors gave me an evaluation $100,000 more and that I could sell my property fast. I am using a new realtor in March, and this is a horrible way to start out with lousy appraisal. I am being victimized. I will not sell my property below $269,900.00 as that is low enough, and no horrible people are going to cheat me).

Negligent appraiser left out that I had done a complete gut/rehab and other items. Valued my 1.4 surveyed acres with seasonal spring and brook in back as less than on tax rolls. (Later, when I looked at BBB reviews of Hometap, one reviewer posted that their property was assessed below value and then re-assessed above value via Hometap few years later as corrupt.)

The second appraiser Hometap sent last week had not posted assessment at end of week what Hometap said would happen. Now, today I was told by the end of this week. It was around 10 degrees Fahrenheit when the 2nd appraiser showed up, and I could not show him the seasonal cottage that is around 200 feet in the back due to cold weather, but he could see the outside from a top window of the house. He was not able to look at the brook or land due to the weather. Hometap also said they would have to extend processing for three more weeks. This put me in financial problems because I needed some of the money to pay bills and was expecting it in mid-January 2024. I felt suspicious that Hometap was predatory and trying to get me into delaying payments I need to do, so that they could cheat me somehow. When I called Hometap to make sure the senior manager worked for Hometap as everything is done my phone and computer, I never received a call back.

I had to pull my property off of the market to apply for home equity when applying with Hometap. I live in Upstate, NY, and I am a senior wanting to relocate south for my health and well-being. This was all a great disappointment and annoyance. I am mixed-race female, 60, a member of the under-represented class.

It is possible the Hometap is legit and not a scam, and I canceled my home equity application with them. I could not cancel it online on their website which was strange, so I had to email the senior manager and canceled. I then decided not to cancel when Hometap's Justin called me today (January 24, 2024) and asked me to wait for the 2nd appraisal. Obviously, I feel something is not okay since I have to write so much about this experience. I will update this.

I found this Hometap experience so scary-stressful that I just put my property back on the market on Zillow for $269,900 that went live yesterday (January 25, 2024), as I had it before I had applied for Home Equity. I will sign a contract with a realtor in March. I am trying to find out from Zillow why their Zestimate went down 93% in the past 30 days--it seems suspicious and I being victimized. A nightmare for me, and at a most inconvenient time.

Sam.gov and grants.gov are red tape obstacles. There is always some glitch, now Sam.gov does not allow me to have a UEI number for one of my businesses as an organization, and my other business is listed as an individual, so I have to once again go to the Help Desk. They just come up with new ways to prevent individuals with businesses from applying for grants with technicalities in applications. There is always some creepy something to try to disqualify a grant applicant(s) from SBIR. I have my breakthrough Agri-Technology invention, and they just care about red tape obstacles. It is so much waste of time, and people say their organizations keep applying every year and are denied even though they did the application correctly. The USA government seems extremely discriminatory.

Cornell University's Center for Regional and Economic Advancement is discriminatory, not allowing all counties in New York State to compete in the Grow-NY competition, several counties in the Mohawk Valley such as Schoharie County, NY and Otsego County, NY do not fit into their regional maps, according to their website. I applied for the 2022 Grow-NY competition in Otsego County, NY with my accelerated plant/plant seedlings grower invention based on past scientist N. Tesla theory, as I am seeking grants to start an organic sustainable Tesla Agriculture division, wanting to upgrade my several prototypes into sustainables utilizing sustainable bamboo and similar natural products instead of plastics and metals, unless recycled. In the competition notes, it says that entrants will be contacted, but I was never contacted, just received a generic letter that I was not a finalist. I am a minority female and feel horribly discriminated against on this issue. They allow me to have a 1/2-hour zoom meeting with the Grow-NY director.

I do not receive my USPS business mail unless it is government mail. This happened in New York City and Upstate, NY since 2011. I have a licensed ornamental plant seedling business since 2011. It may not be USPS only because I do not receive a lot of my business emails or business calls. I first started to receive business mail, and then suddenly none, the same with business calls and business emails, the Consumer Advocate for USPS never responded to my email about the situation. I also noticed that sometimes large plain vans with no designation sometimes take mail from the post office, they may be putting a lot of valid mail into junk mail. I am a minority female and suspect foul play by the US government and racist crime groups.

I have used Windows and Microsoft Office for many years. It is okay if you do not have a lot of work. Issues such as the names of the folders not being directly on the folders themselves and the folders not alphabetized is one concern. Making the folder icons on the desktop smaller or larger, there are several ways to do that, but that does not always work, and it takes a while to figure it out, not as user-friendly as it should be. The office products themselves like Excel, Publisher, PowerPoint and Word are five-star often. Outlook is difficult to setup and three-star, I do not use it. Though, it is probably better than most email software.

Dun & Bradstreet is a scam and helps to ruin businesses, they have my business information wrong and issued a false Dun & Bradstreet profile report. They had my old phone number, had I was 8 months in business when it is more than 11 years incorporated and is a side business/hobby. Dun & Bradstreet had me as a credit risk, when I do not use credit/financing, do not want it, and I have no debts. I have a tiny ornamental organic plant seedling business; Dun & Bradstreet had my business profile wrong as also hunting/fishing and forestry. Days with customer service online and they seem to want to go through it on the phone instead of email, probably because they want to record my voice for another scam they have. The Dun & Bradstreet database is not secure, I could not login for months to manage my account and correct errors. The Better Business Bureau listed address for the Dun and Bradstreet Corporate Headquarters mysteriously dropped out of the dropdown menu at the BBB recently--it makes me think the Dun and Bradstreet use creepy tactics.

The reason I signed up originally for a free Dun & Bradstreet account is because I was forced to do so by the USA Government that used to require a Dun and Bradstreet DUNS number to apply for a government grant. My applications were for grants only for my research and development of my organic plant grower device that helps grow plants faster. Dun & Bradstreet used to have an excellent reputation decades ago, so I did not look them up to find out if they were still an okay company, usually I will look up customer reviews, but unfortunately did not.