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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

As embattled Missouri Gov. Eric Greitens' legal and political woes deepen, some White House officials are inquiring whether the controversy could also envelop the governor's former top campaign adviser, Nick Ayers, who is now Vice President Mike Pence's chief of staff.Multiple officials in President Donald Trump's administration have privately put out feelers with Missouri Republican leaders in recent days to gauge whether Ayers would be interviewed as part of the state House committee investigation into Greitens, according to two sources familiar with the conversations.Ayers signed on with Greitens in 2015, but it is unclear exactly when the two men severed ties. Greitens' campaign fund has continued to pay the firm Ayers founded, C5 Consulting, into 2018, according to a Missouri Ethics Commission filing. Ayers stepped away from the firm to work in the administration."Several people from Washington have reached out and asked if Nick Ayers is going to be subpoenaed," said one Missouri House source with knowledge the discussions. "To this point he has not been." But the President's allies were also informed that a possible subpoena "is very much in play" because the committee's investigation is ongoing, added a separate source who also confirmed the conversations.The questions from White House officials were interpreted by those on the receiving end as oriented toward fact-finding, not as an attempt by the administration to influence the state House committee's work.Ayers and a spokesperson for Pence declined to comment.The state House probe, which is running parallel to investigations by Attorney General Josh Hawley and St. Louis Circuit Attorney Kim Gardner, made headlines this month with the release of a bombshell report detailing alleged sexual misconduct and assault by the governor against a woman with whom he has admitted having an affair.Greitens has denied committing any crime and instead called the situation "a personal mistake" from his time prior to taking office."As I have said before, I made a personal mistake before I was Governor. I did not commit a crime," his statement read.The House panel has expanded its scope to examine Greitens' campaign's acquisition and use of a nonprofit donor list, with plans to release a report on the subject Wednesday, including lengthy transcripts of interviews with witnesses.Greitens has already been charged by Circuit Attorney Gardner with one felony stemming from the donor list of The Mission Continues, a veterans charity Greitens founded, for allegedly obtaining the list without authorization from the charity."I stand by that work. I will have my day in court," said Greitens in an April statement.Ayers signed on with Greitens following the transfer of the list, however, meaning any investigatory interest in Ayers would likely be focused on the aftermath, or on other issues.The St. Louis Circuit Attorney initially opened her probe into Greitens earlier this year based on allegations that he photographed and blackmailed a woman with whom he was having an affair; Greitens has since been indicted on a felony invasion of privacy charge stemming from that investigation.Greitens trial is set for May 14.But there are signs that investigators are continuing to expand their efforts. Hawley's office confirmed that, earlier this month, they oversaw a deposition of Danny Laub, who steered Greitens' campaign in its early stages and was later named on a campaign finance disclosure as the source of the donor list. The Circuit Attorney's office has alleged that it was in fact Greitens who "directed the disclosure" of the list to the campaign.Laub's attorney, Sandy Boxerman, told the St. Louis Post-Dispatch that Laub, "did sit for that deposition, was completely truthful and forthcoming and cooperative. What happens beyond this point is in the hands of other people."Ayers joined the campaign after Laub and became an essential adviser to Greitens, along with his acolyte Austin Chambers, who managed the campaign. Greitens and Ayers apparently also became personally close, with Ayers at one time counting the governor among his "friends". 4158

ANZA, Calif. (KGTV) - Did you feel it? A 3.8 earthquake shook Southern California Monday morning.The quake happened about 10:44 a.m., 18 kilometers east-southeast of Anza, in Riverside County.10News received reports of shaking in Escondido, Spring Valley, and San Marcos.There are no reports of damage or injuries, according to Riverside County Sheriff's Deputy Armando Mu?oz.10News is monitoring breaking developments. 432

As a thank you to veterans and active duty of the U.S. armed forces, dozens of restaurants are offering free meals on Wednesday, Nov. 11 for Veterans Day. Check out our list below of different offers. Beverages and gratuity are not included, unless noted.Due to the pandemic, a number of restaurants have altered their normal offerings for veterans.Offers are good for Wednesday only unless noted. Offers are at participating locations only, and most offers require proof of service.Applebee’s: Applebee’s generally has had a special menu of free meals for veterans. This year, Applebee’s says that its offers will vary because of the coronavirus pandemic as some of its dining rooms are closed. Applebee’s encourages you to check your neighborhood restaurant for details.BJ’s Brewhouse and Restaurants: Veterans and active duty can get a free entrée of up to .95 and a Dr. Pepper beverage for both dine-in and take out. The offer can be obtained online by using the promo code “VETERAN.”Buffalo Wild Wings: The wing joint is serving 10 free boneless wings with fries to all active duty and veterans. The offer is good for both dine-in and carry out.California Pizza Kitchen: With proof of service, veterans and active duty are able to select from a limited menu, which includes six pizzas, four full-size salads or three pasta dishes. The offer also comes with a free beverage. The offer is dine-in or walk-in take out only.Chili’s: With proof of service, veterans and active duty can enjoy a free entrée from a menu of seven entrees, including the Just Bacon Burger and Chicken Crispers. The offer is dine-in only.Cracker Barrel: Veterans can enjoy a free double chocolate fudge Coca-Cola cake or a pumpkin pie latte.Dunkin: Vets and active duty can get a free doughnut of their choice at participating locations on Wednesday.Golden Corral: The buffet joint is offering current and active duty military and reservists a free meal at the buffet that can be redeemed from now through the end of May. The offer can be redeemed Mondays through Thursdays.Little Caesars: The pizza joint will offer its typical lunch of four slices and a 20-ounce beverage for free to veterans and active military from 11 a.m. to 2 p.m. Wednesday.Quaker Steak and Lube: The restaurant is offering free meals for veterans and active duty.Red Lobster: Red Lobster is serving a free appetizer or dessert with proof of service for dine-in only. Veterans and active duty can choose from seven appetizers or four desserts.Red Robin: This burger joint is giving veterans and active duty a free Red’s Tavern Double Burger and bottomless fries. In an effort to alleviate crowds on Veterans Day, Red Robin is extending the offer from November 12 through 30, and the offer is good for both dine-in and carry out. 2794

As Americans protest racial inequality and the death of George Floyd and others at the hands of police, their pleas are being heard in the chambers of the U.S. Capitol. Both Democrats and Republicans have introduced legislation to reform policing in America, but they diverge on some issues.The far-reaching legislative proposal from Democrats, the Justice in Policing Act, would limit legal protections for police, create a national database of excessive-force encounters and ban police chokeholds, among other changes.Republicans say their bill, known as the Justice Act -- one of the most ambitious GOP policing proposals in years -- “will maintain the constitutionally-limited role the federal government plays in local law enforcement decisions while still effecting significant change.” It calls for an enhanced use-of-force database, restrictions on chokeholds and new commissions to study law enforcement and race.Here’s a side-by-side look at some proposals:POLICE MISCONDUCT & USE-OF-FORCE DATABASESMany officers who wind up involved in fatal shootings have a history of misconduct, including Derek Chauvin, the Minneapolis officer charged with murder in Floyd’s death. He had at least a dozen complaints made against him, according to records.But those records are often not made public, making it difficult to know if officers have such a record.President Donald Trump signed an executive order this week requiring the attorney general to create a database tracking terminations, criminal convictions and civil judgments against law enforcement officers for excessive use of force. It encourages participation by providing certain grants only to those agencies that submit the required information.— Democrats’ bill: Calls for a national registry including complaints, disciplinary records and termination records. It also would require states to report to the Justice Department any incident in which force is used against a civilian or law enforcement officer. The proposal would require the agencies to report the reason force was used and the national origin, sex, race, ethnicity, age, disability, English language proficiency and housing status of each civilian against whom a law enforcement officer used force.— Republicans’ bill: Would require state and local governments to report all use-of-force incidents that result in serious injuries or death to the FBI on an annual basis. Municipalities that fail to comply could see a reduction in federal funding.CHOKEHOLDSThere’s a notable difference. The Democrats’ bill would specifically ban the use of chokeholds and carotid holds at the federal level, while the Republican bill incentivizes police departments to ban the practice through grant funding. Trump’s executive order also encourages such bans through financial incentives.— Democrats’ bill: Would ban chokeholds and carotid holds and would condition law enforcement funding for state and local law enforcement agencies on establishing a law to prohibit the use of chokeholds and carotid holds.— Republicans’ bill: Would condition certain Justice Department funds on a police department having specific policies restricting the use of chokeholds, except in situations in which deadly force is authorized.NO-KNOCK WARRANTSThere has been a growing call to ban no-knock warrants since 26-year-old Breonna Taylor was killed in her Louisville, Kentucky, home by officers in March. Democrats have proposed a ban on the practice, typically executed in some of the most dangerous investigations conducted by police departments. A no-knock warrant, as its name implies, is an order from a judge that allows police to enter a home without ringing a doorbell or banging on the door. Critics have said the use has increased dramatically, and some departments use them routinely in cases that don’t merit such an exception.— Democrats’ bill: Would specifically ban no-knock warrants for all federal drug cases and would require local and state law enforcement agencies to prohibit their use to qualify for some federal funding. Oregon and Florida are the only states that have outlawed such warrants.— Republicans’ bill: GOP senators argue there is no conclusive data on how, why and how often no-knock search warrants are used and have proposed requiring state and local law enforcement agencies to report specific data to the Department of Justice each year. The department would then be required to make a public report.FEDERAL CIVIL RIGHTS LAW— Democrats’ bill: Would amend the federal civil rights law that governs police misconduct to no longer require prosecutors to prove that an officer’s actions were willful, a high burden of proof. The law would allow an officer to be charged for acting with reckless disregard for someone’s life, causing that person’s death.— Republicans’ bill: Would not amend that section of the law.QUALIFIED IMMUNITYPolice officers are generally not held personally liable for anything that happens on the job, including when someone dies. The concept of qualified immunity has long been a way to protect police from unnecessary lawsuits and to give them the freedom to police without fear of unnecessary retribution.— Democrats’ bill: Would amend federal misconduct statutes to make it easier for courts to find officers personally liable for the violation of civil rights. Officers might think twice before abusing their power, but it could make it more difficult to recruit police nationwide. It could also potentially lead to officers being held financially liable.— Republicans’ bill: They say this is a step too far. As an alternative, the lead senator on the bill, Tim Scott of South Carolina, has suggested a “decertification” process for officers involved in misconduct.The president’s executive order instructs the Justice Department to push local police departments to be certified. Under the order, Justice would ensure a department could only be credentialed if its use-of-force policies adhered to federal, state, and local laws.White House press secretary Kayleigh McEnany said Wednesday the qualified immunity provision in the House Democrats’ bill “is a total and complete nonstarter.” 6166

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