[rkhassen]

Good points and I appreciate what you write here.

And an interesting business concept - to help consumers pursue individual arbitrations. That could be really cool especially against large corporations when they are abusive. What do you charge as people go through their individual arbitration process/ how does the profit model work?

I really have mixed feelings about the legal system - on

Also, Radvocate, wondering if you can address the PII concerns other's have raised, as that is a very big deal.

[mjkornbl]

Hi, thanks for the response.

On the business model – we charge a commission currently set at 15% of whatever compensation you recover. Hopefully that's from a negotiated settlement with the company before a full arbitration process is necessary. (More details at bottom). We currently process against 20+ cable / ISP / wireless companies.

Re: PII, first I want to make clear that I can't speak with legal standing about the terms & conditions as written. That said, if someone checks the (optional) box giving us permission to do so, all we plan to store is an e-mail address (plus an anonymized token?). We at Radvocate don't have current plans to use that e-mail address, but it is true that it likely would be most useful for the purpose of putting together a future class action against Chase. We'd only partner on that with firms we trust and who will make respectful use of the information.

We think this could be of interest and beneficial to someone opting out of arbitration. To repeat a point on this thread, it's another way to take action against Chase. Additionally, while we all have experience with a class action of being mailed a gift card three years later, if someone does make direct contact with a lawyer on the lawsuit, that may put them in a different position (though I'm not a lawyer).

More on our process: The way arbitration works is you usually have to send the company a notice letter (which we automate) 30-60 days before filing. When you do that a lot of companies suddenly want to negotiate, instead of ignoring your dispute, and we provide data and process guidance to help you negotiate most effectively. If negotiation fails then we automate escalating your claim to arbitration by filing with the American Arbitration Association, and we continue to provide guidance as the case moves through their system, including preparation for the hearing (which will typically happen by phone).

[gricardo99]

I don't think you've come close to adequately addressing the PII issue here. The information you're collecting, if it ends up in the wrong hands, could lead to some nightmarish identity theft.

Surely you're aware of massive and prevalent data breaches[1]. You're collecting sensitive information to help people, but not providing any convincing bonafides on information security, let alone an actual plan for how sensitive information goes in your web form, then (many technical/logistical steps later) ends up in Chase's P.O. box, without leaking out to some unintended party. I don't think anyone should feel comfortable with "all we plan to store is an e-mail address"

1 - https://haveibeenpwned.com/

[illumin8]

That seems awesome that you're going after big cable/ISP/wireless companies. Do you think consumers that are harmed by Comcast/Xfinity's abusive practices of bundling and zero-rating their own video services, but charging you for data overages if you use Netflix or other 3rd party video services have a strong position?

Would you help us go after them? I'd sign up in a heartbeat for that. When I moved from Connecticut where we have a relatively benign ISP (Cablevision) who doesn't have data caps, to California where we only have Comcast/Xfinity, my monthly price for Internet doubled and I have less than half the bandwidth available to me.

[briandear]

I am not sure why I want to sue Chase. I bank with them and they have provided the agreed services. What exactly has Chase done to harm someone like me? If I don’t like something they do, I simply bank elsewhere.

[trentmb]

> Also, Radvocate, wondering if you can address the PII concerns other's have raised, as that is a very big deal.

For credit cards at least, you aren't giving any more information to them than you would any random website where you make a purchase.

Less, even, as there's no expiration date or CVV.