Op-Ed
Consumer Complaints Pays Off in $1.6 Billion Relief
By Charlene Crowell
NNPA Columnist
Financial stress can feel like a lonely struggle. But according to a new report by the Consumer Financial Protection Bureau (CFPB), 460,700 consumers shared many of the same financial concerns and contacted the agency for help from July 2011 to September 2014.
During this period, CFPB’s related investigations and enforcement actions on a range of financial concerns from discriminatory credit card practices to violations of federal laws to protect military service members, and more brought $1.6 billion in relief to consumers. Since its inception in 2011, CFPB has helped more than 15 million consumers nationwide and cumulatively recovered more than $5.3 billion in relief.
Some could say that returning monies to consumers is just a case of the squeaky wheel getting the grease. However Richard Cordray, CFPB’s Director, takes another view.
“Through fair rules, consistent oversight, appropriate enforcement of the law, and broad-based consumer engagement, the Bureau is helping to restore American families’ trust in consumer financial markets, protect consumers from improper conduct, and ensure access to fair, competitive and transparent markets,” said Cordray.
Created in the aftermath of the worst recession of this generation, CFPB became the cornerstone of the Dodd-Frank Financial Reform Act and the nation’s first federal agency with the sole focus of protecting consumers in the financial marketplace. For communities of color who became targets for predatory loans, CFPB’s enforcement authority provides a two-pronged government action: financially penalizing lenders that violate fair lending laws and then compensating affected consumers.
Another Dodd-Frank provision requires that CFPB make semi-annual reports to Congress, detailing its actions, rule-making, and efforts to ensure that all financial markets observe fair, competitive and transparent transactions.
Of all the complaints filed during the reporting period of April 1- September 30, 2014, debt collection was the number one concern measured by consumer complaints (36 percent). Among military service members, debt collection was an even larger concern at 53 percent. Right now, CFPB is also continuing investigations of major debt collection firms regarding collections practices.
CFPB’s analysis of complaints reveal the most troublesome practices are collectors pursuing them for debts not currently owed. Consumers cited how collections continued despite identity theft, bankruptcy discharges or even debts owed by other consumers. In many other instances, consumers only learned about debt collection accounts after reviewing their credit reports. Complaints were also filed about repeated calls, abusive or obscene language, threats of arrest or lawsuits, and false statements or representations.
“The volume and types of debt collection complaints underscore many of the problems that exist in the debt collection and debt buying industry today,” said Lisa Stifler, policy counsel with the Center for Responsible Lending (CRL). “These problems, such as questionable and incomplete information about debts and consumers, often result in the abusive and harassing behavior about which individuals complain. Fortunately, CFPB rulemaking, oversight and enforcement activity should help to address many of the most harmful debt collection practices.”
In mortgage lending, issues, more than 80 percent were about two specific problem areas: inability to pay and problems with loan servicers or escrow accounts when payments were being made. Nearly half of all mortgage complaints – 49 percent – noted problems with loan modification, collection and foreclosure. An additional 35 percent of mortgage complaints focused on loan servicing, escrow accounts and payments.
For troubled homeowners, complaints filed alleged that some mortgage servicers do not amend derogatory credit reporting during trial periods – even after indicating to consumers that they would do so. Borrowers facing foreclosure have told CFPB their concerns with fees charged as part of the foreclosure process. According to complaints, the fees pose a substantial obstacle to avoiding foreclosure as many servicers do not roll them into the loan balance. In other instances, consumers never receive an itemization of fees assessed; but are given a one line-item reinstatement quote.
“These complaints reveal that consumers continue to face significant challenges within the mortgage industry,” said Nikitra Bailey, CRL vice-president. “The goal of clear and transparent lending is not happening for everyone. That should be the standard, rather than the exception. The CFPB is positioned to ensure fairness for all consumers.”
If you or someone you know believes he/she is troubled by a consumer lending issue, CFPB accepts online complaints on: auto loan or lease, bank account services, credit cards, credit reporting, debt collection, mortgages, student and payday loans. Complaints can also be filed by phone at 1-855-411-2373. Mailed and faxed complaints are also accepted.
For consumers who only want to bring an issue to its attention, CFPB enables them to share their concerns too.
Director Cordray told the House Financial Services Committee, “The premise at the heart of our mission is that consumers deserve to be treated fairly in the financial marketplace, and they should have someone stand on their side when that does not happen,”
Charlene Crowell is a communications manager with the Center for Responsible Lending. She can be reached at Charlene.crowell@responsiblelending.org.
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Advice
COMMENTARY: If You Don’t Want Your ‘Black Card’ Revoked, Watch What You Bring to Holiday Dinners
From Thanksgiving to Christmas to New Year’s Day, whether it’s the dining room table or the bid whist (Spades? Uno, anyone?) table, your card may be in danger.
By Wanda Ravernell
Post Staff
From the fourth week of November to the first week in January, if you are of African descent, but particularly African American, certain violations of cultural etiquette will get your ‘Black card’ revoked.
From Thanksgiving to Christmas to New Year’s Day, whether it’s the dining room table or the bid whist (Spades? Uno, anyone?) table, your card may be in danger.
It could take until Super Bowl Sunday for reinstatement.
I don’t know much about the card table, but for years I was on probation by the ‘Aunties,’ the givers and takers of Black cards.
How I Got into Trouble
It was 1970-something and I was influenced by the health food movement that emerged from the hippie era. A vegetarian (which was then considered sacrilegious by most Black people I knew) prepared me a simple meal: grated cheese over steamed broccoli, lentils, and brown rice.
I introduced the broccoli dish at the Friday night supper with my aunt and grandfather. She pronounced the bright green broccoli undone, but she ate it. (I did not, of course, try brown rice on them.)
I knew that I would be allowed back in the kitchen when she attempted the dish, but the broccoli had been cooked to death. (Y’all remember when ALL vegetables, not just greens, were cooked to mush?)
My Black card, which had been revoked was then reattained because they ate what I prepared and imitated it.
Over the decades, various transgressions have become normalized. I remember when having a smoked turkey neck instead of a ham hock in collard greens was greeted with mumblings and murmurings at both the dining room and card tables. Then came vegan versions with just olive oil (What? No Crisco? No bacon, at least?) and garlic. And now my husband stir fries his collards in a wok.
But No Matter How Things Have Changed…
At holiday meals, there are assigned tasks. Uncle Jack chopped raw onions when needed. Uncle Buddy made the fruit salad for Easter. My mother brought the greens in winter, macaroni salad in summer. Aunt Deanie did the macaroni and cheese, and the great aunts, my deceased grandmother’s sisters, oversaw the preparation of the roast beef, turkey, and ham. My father, if he were present, did the carving.
These designations/assignments were binding agreements that could stand up in a court of law. Do not violate the law of assignments by bringing some other version of a tried-and-true dish, even if you call it a new ‘cheese and noodle item’ to ‘try out.’ The auntie lawgivers know what you are trying to do. It’s called a menu coup d’état, and they are not having it.
The time for experiments is in your own home: your spouse and kids are the Guinea pigs.
My mother’s variation of a classic that I detested from that Sunday to the present was adding crushed pineapple to mashed sweet potatoes. A relative stops by, tries it, and then it can be introduced as an add-on to the standard holiday menu.
My Aunt Vivian’s concoctions from Good Housekeeping or Ladies’ Home Journal magazine also made it to the Black people’s tables all over the country in the form of a green bean casserole.
What Not to Do and How Did It Cross Your Mind?
People are, of all things holy, preparing mac ‘n’ cheese with so much sugar it tastes like custard with noodles in it.
Also showing up in the wrong places: raisins. Raisins have been reported in the stuffing (makes no sense unless it’s in a ‘sweet meats’ dish), in a pan of corn bread, and – heresy in the Black kitchen – the MAC ‘n’ CHEESE.
These are not mere allegations: There is photographic evidence of these Black card violations, but I don’t want to defame witnesses who remained present at the scene of the crimes.
The cook – bless his/her heart – was probably well-meaning, if ignorant. Maybe they got the idea from a social media influencer, much like Aunt Viv got recipes from magazines.
Thankfully, a long-winded blessing of the food at the table can give the wary attendee time to locate the oddity’s place on the table and plan accordingly.
But who knows? Innovation always prevails, for, as the old folks say, ‘waste makes want.’ What if the leftovers were cut up, dipped in breadcrumbs and deep fried? The next day, that dish might make it to the TV tray by the card table.
An older cousin – on her way to being an Auntie – in her bonnet, leggings, T-shirt, and bunny slippers and too tired to object, might try it and like it….
And if she ‘rubs your head’ after eating it, the new dish might be a winner and (Whew!) everybody, thanks God, keeps their Black cards.
Until the next time.
Alameda County
Seth Curry Makes Impressive Debut with the Golden State Warriors
Seth looked comfortable in his new uniform, seamlessly fitting into the Warriors’ offensive and defensive system. He finished the night with an impressive 14 points, becoming one of the team’s top scorers for the game. Seth’s points came in a variety of ways – floaters, spot-up three-pointers, mid-range jumpers, and a handful of aggressive drives that kept the Oklahoma City Thunder defense on its heels.
By Y’Anad Burrell
Tuesday night was anything but ordinary for fans in San Francisco as Seth Curry made his highly anticipated debut as a new member of the Golden State Warriors. Seth didn’t disappoint, delivering a performance that not only showcased his scoring ability but also demonstrated his added value to the team.
At 35, the 12-year NBA veteran on Monday signed a contract to play with the Warriors for the rest of the season.
Seth looked comfortable in his new uniform, seamlessly fitting into the Warriors’ offensive and defensive system. He finished the night with an impressive 14 points, becoming one of the team’s top scorers for the game. Seth’s points came in a variety of ways – floaters, spot-up three-pointers, mid-range jumpers, and a handful of aggressive drives that kept the Oklahoma City Thunder defense on its heels.
One of the most memorable moments of the evening came before Seth even scored his first points. As he checked into the game, the Chase Center erupted into applause, with fans rising to their feet to give the newest Warrior a standing ovation.
The crowd’s reaction was a testament not only to Seth’s reputation as a sharpshooter but also to the excitement he brings to the Warriors. It was clear that fans quickly embraced Seth as one of their own, eager to see what he could bring to the team’s championship aspirations.
Warriors’ superstar Steph Curry – Seth’s brother – did not play due to an injury. One could only imagine what it would be like if the Curry brothers were on the court together. Magic in the making.
Seth’s debut proved to be a turning point for the Warriors. Not only did he contribute on the scoreboard, but he also brought a sense of confidence and composure to the floor.
While their loss last night, OKC 124 – GSW 112, Seth’s impact was a game-changer and there’s more yet to come. Beyond statistics, it was clear that Seth’s presence elevated the team’s performance, giving the Warriors a new force as they look to make a deep playoff run.
Activism
ESSAY: The Hidden Toll — Federal Rollbacks Threaten Black Women’s Health in California
Nutrition assistance programs, which many Black women rely on to keep their families healthy and out of the hospital, are similarly endangered. Nearly half of Black women in California receive WIC, and 47% percent use CalFresh. Cuts or cost-shifts in those programs would worsen food insecurity, especially during pregnancy and postpartum. Malnutrition or diet instability can lead to adverse birth outcomes, weakened immunity, and worse recovery from medical interventions.
By Kellie Todd Griffin, Special to California Black Media Partners
If recent proposals in Congress to cut funding for federal social programs succeed, the downstream effects will not be abstract or distant.
They will be immediate and blunt — and felt in every clinic, every hospital, and most homes where Black women are struggling to maintain our health, care for her children, and stay afloat. In California, where Black women already navigate a terrain of deep systemic inequities, these cuts would be catastrophic.
As a lifelong advocate for Black women in California — through my research and lived experience – I’ve seen firsthand the entrenched medical and social disparities that leave too many Black women struggling to live healthy, fulfilling lives.
Across the spectrum of care — from mental, maternal, and perinatal health to chronic diseases like diabetes, hypertension, cancer, and uterine fibroids — Black women in California continue to bear a disproportionate burden.
Implicit bias in maternity care, for example, continues to be a challenge. It is a documented contributor to the fact that, in California, Black women die from pregnancy-related causes at three to four times the rate of White women.
Now, federal proposals on the table to slash funding for the very programs Black women rely on most: Medicaid (Medi-Cal in California) SNAP/CalFresh, WIC, and federal housing and income supports. As reported in the California Budget and Policy Equity on the Line report, about one in three Black women and children in California currently depend on Medi-Cal. If federal cuts were to force reductions in eligibility, benefits, or provider reimbursements, many Black women would lose access to primary care, chronic disease management, reproductive care, mental health and substance-use treatment, cancer screenings, and prenatal/postnatal services.
In a state already grappling with stark racial health disparities, removing coverage is not just harmful — it magnifies injustice. Black women in California face higher rates of poor health overall, lower life expectancy, and worse prenatal care statistics. When the safety net frays, they will be forced into impossible trade-offs: skip medications, delay care, or incur medical debt.
Nutrition assistance programs, which many Black women rely on to keep their families healthy and out of the hospital, are similarly endangered. Nearly half of Black women in California receive WIC, and 47% percent use CalFresh. Cuts or cost-shifts in those programs would worsen food insecurity, especially during pregnancy and postpartum. Malnutrition or diet instability can lead to adverse birth outcomes, weakened immunity, and worse recovery from medical interventions.
Compounding the harm is the assault on social determinants of health. The Equity on the Line analysis shows that housing assistance, income support, and childcare subsidies are already stretched thin. Any rollback will accelerate housing instability, homelessness risk, and family stress — all of which manifest in worse health outcomes: higher hypertension, depression, chronic illness, and reduced ability to adhere to medical regimens.
California has taken important steps to protect Black women’s health. One good example is Assembly Bill, AB 2319, authored by Assemblymember Lori D. Wilson (D-Suisun City). That law strengthens the Dignity in Pregnancy and Childbirth Act by expanding and enforcing implicit bias training for providers in perinatal settings, and requiring reporting and penalties for noncompliance.
The state is also taking legal and policy action to mitigate the impact of cuts to SNAP/CalFresh food stamp benefits – like mobilizing $80 million in state funds to support food banks. It is also taking action to shore up against federal cuts to Medi-Cal.
In our communities, organizations like California Black Women’s Health Project and Black Women for Wellness are already doing the groundwork — advocating for culturally centered care, education, and infrastructure to mitigate harm.
As Californians, we must all roll up our sleeves and amplify and bolster their efforts. These organizations serve as our voice. They are our watchdogs, too, documenting where bias persists, where systems fail, and where state enforcement is weak.
The stakes are too high for complacency. As we strategize to keep Black women healthy, we must also document and share our stories with others — every death, every untreated illness, every delayed pregnancy.
Let us be resolute, organized, hopeful, and persistent. California can be a model of how a state defends Black women’s health amid significant challenges, presenting a full vision to America, and the world, of how we can make health justice a reality and make California healthier for all our communities.
About the Author
Kellie Todd Griffin, President and CEO of the California Black Women’s Collective Empowerment Institute. With a deep commitment to equity and justice, she champions initiatives that amplify the voices and influence of Black women across California. Known for her strategic insight and passion for community empowerment, Kellie is a driving force in fostering systemic change and collective progress.
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