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Americans are calling out practices at some car lots more now than ever before.“We found a pattern of abusive and deceptive practices that the auto loan industry has been employing and unfortunately these complaints have sharply increased during the pandemic,” said Lucy Baker, Consumer Program Associate at U.S. Public Interest Research Group (PIRG).Looking at the Consumer Financial Protection Bureau's consumer complaint database, the U.S. PIRG found between March and July, there were more than 2,800 auto loan and lease complaints. That's more than any other 5-month period.This includes complaints like not getting auto loan relief, which the CARES Act didn't specify, but some lenders offered to work with customers. Also, complaints about broken payment systems that led to late fees, and issues with loan terms changing or yo-yo financing.“You go into a dealership, you buy a car you sign on the dotted line, but as your driving away, you get a phone call from your dealer that says, ‘hey the financing has fallen through, I’m going to take your car back unless you agree to pay more or pay a higher interest rate,’” said Baker.There were complaints about harassment over repossession and debt, as well as expensive add-ons like warranties, insurance, and service plans.High pressure tactics were another problem.“If you put somebody in a room for a long period of time, they're going to be so frustrated that they are going to want to get out of there and then you can pressure them into buying these things they don’t need,” said Baker.U.S. PIRG is pushing policymakers for auto loan relief programs, banning repossession, debt collection and negative credit reporting.It also has some recommendations for customers: Don't roll an old auto loan into a new loan, avoid buy here – pay here lots, and don’t get focused on low monthly payments. Instead, compare the total cost of the loan including interest paid.Officials also suggest filing complaints with the Consumer Financial Protection Bureau. It creates pressure on lenders to make things right. 2068
Army Specialist Vanessa Guillén murder has captivated the nation. The body of the 20-year-old was found only weeks ago, but her death is already prompting Congress to debate how harassment is handled in the military. Vanessa Guillén's Death There are still a lot of unknowns regarding why Guillén was killed but Army investigators have said it is possible she was a victim of harassment prior to her death. Guillén's family believes strongly that she was a victim. In terms of arrests, Cecily Aguilar has been charged with one count of conspiracy to tamper with evidence.Army Specialist Aaron Robinson killed himself when he was approached by police. Aguilar is Robinson's estranged wife. #IamVanessaGuillen movementAcross the country online, women have shared their stories of harassment in the military. The viral movement has raised awareness about the military's sexual harassment policy and prompted a bill to be introduced in Congress. 950

Apple's latest move in China has privacy advocates and human rights groups worried.The U.S. company is moving iCloud accounts registered in mainland China to state-run Chinese servers on Wednesday along with the digital keys needed to unlock them."The changes being made to iCloud are the latest indication that China's repressive legal environment is making it difficult for Apple to uphold its commitments to user privacy and security," Amnesty International warned in a statement Tuesday.The criticism highlights the tradeoffs major international companies are making in order to do business in China, which is a huge market and vital manufacturing base for Apple.In the past, if Chinese authorities wanted to access Apple's user data, they had to go through an international legal process and comply with U.S. laws on user rights, according to Ronald Deibert, director of the University of Toronto's Citizen Lab, which studies the intersection of digital policy and human rights."They will no longer have to do so if iCloud and cryptographic keys are located in China's jurisdiction," he told CNNMoney.The company taking over Apple's Chinese iCloud operations is Guizhou-Cloud Big Data (GCBD), which is owned by the government of Guizhou province. GCBD did not respond to requests for comment.The change only affects iCloud accounts that are registered in mainland China.Apple made the move to comply with China's latest regulations on cloud services. A controversial cybersecurity law, which went into effect last June, requires companies to keep all data in the country. Beijing has said the measures are necessary to help prevent crime and terrorism, and protect Chinese citizens' privacy.The problem with Chinese cybersecurity laws, Deibert said, is that they also require companies operating in China "to turn over user data to state authorities on demand -- Apple now included."Other big U.S. tech companies have had to take similar steps -- Amazon and Microsoft also struck partnerships with Chinese companies to operate their cloud services in the country.Apple says that it did advocate against iCloud being subject to the new law, but was unsuccessful."Our choice was to offer iCloud under the new laws or discontinue offering the service," an Apple spokesman told CNN. The company decided to keep iCloud in China, because cutting it off "would result in a bad user experience and less data security and privacy for our Chinese customers," he said.Apple users typically use iCloud to store data such as music, photos and contacts.That information can be extremely sensitive. Earlier this month, Reporters Without Borders urged China-based journalists to change the country associated with their iCloud accounts -- which is an option for non-Chinese citizens, according to Apple -- or to close them down entirely.Human rights groups also highlighted the difficult ethical positions Apple could find itself in under the new iCloud arrangement in China.The company has fought for privacy rights in the Unites States. It publicly opposed a judge's order to break into the iPhone of one of the terrorists who carried out the deadly attack in San Bernardino in December 2016, calling the directive "an overreach by the US government."At the time, CEO Tim Cook said complying with the order would have required Apple to build "a backdoor to the iPhone ... something we consider too dangerous to create."Human Rights Watch questioned whether the company would take similar steps to try to protect users' iCloud information in China, where similar privacy rights don't exist."Will Apple challenge laws adopted by the Chinese government that give authorities vast access to that data, especially with respect to encrypted keys that authorities will likely demand?" asked Sophie Richardson, China director for Human Rights Watch.Apple declined to answer that question directly, but it pushed back on concerns that Chinese authorities will have easy access to iCloud users' data."Apple has not created nor were we requested to create any backdoors and Apple will continue to retain control over the encryption keys to iCloud data," the Apple spokesman said."As with other countries, we will respond to legal requests for data that we have in our possession for individual users, never bulk data," he added.Rights groups and privacy advocates are not convinced."China is an authoritarian country with a long track record of problematic human rights abuses, and extensive censorship and surveillance practices," Deibert said.Apple users in China should take "extra and possibly inconvenient precautions not to store sensitive data on Apple's iCloud," he advised.Most of those users have already accepted the new status quo, according to Apple. So far, more than 99.9% of iCloud users in China have chosen to continue using the service, the Apple spokesman said. 4875
Are you a dad? If so, what is your dream car? Is it a fast car that can get from 0 to 60 in warp speed? Or is it something more practical, like a minivan or hybrid?This week in honor of Father’s Day and, Kelley Blue Book released a list of the 10 coolest cars for dads under ,000.Here is the list:1) Ford Mustang (,187)2) Chevrolet Camaro (,144)3) Dodge Challenger (,367)4) Jeep Wrangler (,600)5) Fiat 124 Spider (,335)6) Honda Civic Si (,509)7) Volkswagen Golf GTI (,299)8) Hyundai Veloster N (,786)9) Mazda CX-5 (,551)10) Toyota Tacoma (,381)"The variety of models on this list will accommodate the classic, more sensible father to the rugged, adventurous type," said Matt DeLorenzo, senior managing editor for Kelley Blue Book. "On top of great styling and amenities, these new-car models are available at a compelling price points. There is plenty to like about these models, including power, upscale features, and practicality in stylish packages."What is it about the Ford Mustang that makes it the “coolest car for dads?”“This is the pony car that started it all. With EcoBoost 4-cylinder power, iconic styling, and a usable back seat, the Ford Mustang has it all for well under ,000,” Kelley Blue Book says.Click here to read more about the top 10 cars for dads. 1314
As hospitals are becoming overwhelmed with COVID-19 patients, North Dakota is permitting coronavirus-positive health care workers to continue assisting patients.The guidance stipulates that the health care workers must remain asymptomatic and take enhanced precautions in order to stay on the job. This comes as travel nurses are stretched thin as dozens of states are reporting record hospitalizations.Given the situation in North Dakota and elsewhere, it is possible more states will have to follow suit and continue using infected staff members in order to provide care. The CDC has spelled out guidance in these situations.The CDC says hospitals must exhaust a number of other guidelines, including adding travel nurses, postponing elective medical procedures, and postpone elective time off, before going into a crisis staffing situation.“If shortages continue despite other mitigation strategies, consider implementing criteria to allow HCP (health care personnel) with suspected or confirmed COVID-19 who are well enough and willing to work but have not met all Return to Work Criteria to work,” the CDC’s guidance states. “If HCP are allowed to work before meeting all criteria, they should be restricted from contact with severely immunocompromised patients (e.g., transplant, hematology-oncology) and facilities should consider prioritizing their duties in the following order:1. If not already done, allow HCP with suspected or confirmed COVID-19 to perform job duties where they do not interact with others (e.g., patients or other HCP), such as in telemedicine services.2. Allow HCP with confirmed COVID-19 to provide direct care only for patients with confirmed COVID-19, preferably in a cohort setting.3. Allow HCP with confirmed COVID-19 to provide direct care for patients with suspected COVID-19.4. As a last resort, allow HCP with confirmed COVID-19 to provide direct care for patients without suspected or confirmed COVID-19.”North Dakota Gov. Doug Burgum spelled out the challenges facing his state.“Our hospitals are under enormous pressure now,” Burgum said. “We can see the future two, three weeks out, and we know that we have severe constraints.”Despite Burgum’s warning, his state is among the ones not to issue an order requiring masks in public places.In update CDC guidance, the agency says that masks can reduce the viral load for the wearer, in addition to prevent the spread of the virus.Steven Weiser, MD, president of Altru Health System in Grand Forks, North Dakota,, wrote in an op-ed about the toll the virus is having on workers. "Your neighbors in healthcare are pleading with you – they are tired, they are covering shifts for their colleagues who cannot work, they are working in new areas and rallying together to ensure that our promise of providing care to our community is upheld," Weiser wrote. "I ask you, on behalf of our team of healthcare workers, to please take the recommendations... very seriously. This is about protecting our at-risk community members and friends. We need your partnership to stop the spread, now. Doing so will save lives." 3105
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