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Most had health insurance but still struggled to pay expenses

By James R. Hood of ConsumerAffairs
March 5, 2025

More than 31 million Americans had to borrow money last year to pay for healthcare, totaling $74 billion in medical debt, according to a new West Health and Gallup survey.

Despite most of them having health insurance, many still struggle to cover medical expenses, with nearly one-third (28%) of respondents saying they are very concerned that a major health event could put them into debt.

Who is borrowing the most?

The survey found that younger Americans were hit hardest:

  • Nearly 20% of adults under 50 reported borrowing money for medical costs, compared to just 9% of those aged 50 to 64.
  • Women aged 50 to 64 were twice as likely as men in the same age group to have borrowed money for healthcare (12% vs. 6%).
  • Only 2% of Medicare-eligible seniors (65+) reported having to borrow, highlighting the programs role in reducing medical debt for older Americans.

Racial and family disparities

The survey also revealed significant racial and economic disparities:

  • Black (23%) and Hispanic (16%) adults were far more likely to take on medical debt than White adults (9%).
  • Among adults under 50, Black adults were the biggest borrowers (29%), followed by Hispanic (19%) and White (14%) adults.
  • Families with children under 18 were twice as likely to borrow for healthcare as those without children (19% vs. 8%).

How much Are Americans borrowing?

Of the $74 billion in medical debt accumulated last year:

  • 58% of borrowers took out at least $500.
  • 41% borrowed $1,000 or more.
  • 14% had to borrow at least $5,000.

Tim Lash, President of West Health Policy Center, called the situation desperate, stating, A high-priced healthcare system that requires Americans to take out loans just to stay healthy needs serious reform.

Concerns aboutwidespread

More than half of Americans (58%) worry that a major medical event could lead them into debt, including 28% who say they are very concerned. Even among wealthier households earning over $180,000 per year, 40% still worry about medical debt.

Even Medicare recipients are not immune52% of those 65 and older say they fear medical debt despite being covered by the program. Concern is also high among Black (62%), Hispanic (63%), and women (62%) respondents.

Dan Witters, Director of Wellbeing Research at Gallup, stressed that medical debt is affecting all demographics and urged action. These findings underscore the need for solutions that make healthcare more affordable for all Americans.

With millions struggling to cover healthcare costs, experts warn that without policy changes, the problem could get even worse in the years ahead.

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Posted: 2025-03-05 23:28:14

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Consumer News: Arizona sues Temu, alleging it uses 'deceptive and unfair' trade practices
Wed, 03 Dec 2025 20:07:06 +0000

The state also charges the Chinese company violates consumers' privacy

By James R. Hood of ConsumerAffairs
December 3, 2025

ArizonaAttorney General Kris Mayes has announced the filing of a lawsuit against Temu, the Chinese online shopping platform, for violations of the Arizona Consumer Fraud Act, including unlawful data collection, violations of customers privacy, and counterfeiting some of Arizonas most iconic brands.

We allege that Temu has repeatedly and willfully violated the Arizona Consumer Fraud Act and put the privacy of Arizonans, including minors, at extreme risk, said Mayes. Arizonans should be aware that behind Temus low prices and shiny advertising, there is real danger. The Temu app can infect users devices with malware to steal their private data while carefully hiding its tracks.

The complaint, filed in Maricopa County Superior Court, alleges that Temu deceives customers in multiple ways after luring them in with hard-to-beat prices.

After aggressive marketing efforts in Arizona and across the United States, Temus mobile app rose in popularity to become the most-downloaded shopping app in the U.S. in 2023 on both Apple iOS and Google Android operating systems. Temu is responsible for tens of millions of shipments to the United States each yearincluding purchases made, finalized, and received in Arizonathrough a network of more than 80,000 China-based sellers.

Harvests users' data

However, the complaint alleges that Temu does much more than provide Arizonans access to cheap goods. Modeled after an earlier Chinese app, Pinduoduo, the Temu app is allegedly designed to harvest sensitive user data without users knowledge or consent and to evade detection.

Temu allegedly collects an alarming amount of sensitive user data and personally identifiable information (PII) that goes far beyond what is necessary for a typical online shopping app. According to the lawsuit, the app secretly infiltrates users devices to access and harvest sensitive information, including the users precise physical location, the phones microphone and camera, and the users private activity on other apps installed on the phone, all without their knowledge or consent.

A review of the Temu apps code allegedly shows that it is purposely designed to evade front-end security review, using multiple layers of encryption to shield its processes from forensic inspection. The app is even able to edit its own code once downloaded to a consumers phone, potentially allowing it to exploit users PII and other dataor otherwise control the devicein unknown and unknowable ways.

These serious privacy risks are compounded by the fact that Temu is wholly owned by a Chinese company and subject to Chinese law, including laws that mandate secret cooperation with the Chinese Communist Partys intelligence apparatus, Mayes said.

Other accusations



In addition to the alleged privacy violations, the complaint also alleges that Temu has engaged in deceptive and unfair trade practices in the offer and sale of products and in the resolution of consumer complaints, including:

  • Advertising items that look nothing like the items that eventually arrive;

  • Faking customer reviews;
  • Using consumer payment information to order items the consumer never asked for;
  • Misappropriating the intellectual property of U.S.-owned companies, including some of Arizonas most iconic brands including the Arizona Cardinals, Fender Guitars, the University of Arizona, Arizona State University, and Northern Arizona University;
  • Charging for goods not ordered or not delivered;
  • Using bait and switch signup schemes to lure users to invite their friends to the app in exchange for the promise of prizes and rewards that never arrive; and
  • Using forced labor in clear violation of U.S. trade policies.

I will not stand by while a Chinese company vacuums up reams of sensitive data from Arizonans phones and profits from deception and abuse, said Attorney General Mayes. We are taking Temu to court to stop these practices, protect Arizonans privacy, and hold Temu fully accountable under Arizona law.


Read the Attorney Generals complainthere.


Read More ...


Consumer News: Costco is suing the U.S. government over tariffs, seeking full refund
Wed, 03 Dec 2025 20:07:06 +0000

The tariff fight hiding in your Costco cart

By Kyle James of ConsumerAffairs
December 3, 2025
  • Costco is suing the federal government to protect its ability to get refunds on Trump-era tariffs it paid on imported products

  • Those tariffs are already baked into prices, showing up as higher costs, fewer promos, and more Kirkland and non-tariff-country options

  • If Costco wins, you wont see instant price drops, but it gives them more room to hold prices down and avoid future hikes


Costco just filed a lawsuit that most club members will never read, but the outcome could shape what you pay for a lot of stuff in your cart over the next few years.

The warehouse club is suing the federal government to protect its ability to get refunds on Trump-era tariffs it already paid on imported goods. Those tariffs, imposed using emergency powers, are now being challenged at the Supreme Court.

Heres the simple version:

  • Costco has been paying extra fees (tariffs) on many imported items.
  • A big Supreme Court case may decide those fees were illegal.
  • Costco doesnt want to miss its chance to get that money back if possible.

If Costco wins, it wont mean instant rollbacks on every price tag, but it definitely will give them more wiggle room to keep prices low for their members.

How tariffs show up in your cart (even if you never see the word)

Tariffs are basically extra taxes on imported products. When they go up, someone has to eat that cost:

  • Sometimes shoppers eat the costs in the form of higher prices.
  • Sometimes Costco eats the costs in the form of smaller profit margins.
  • Most of the time its actually a mix of both.

Costco leans heavily on imports (produce, appliances, coffee, cooking oils) and has admitted tariffs raised some of their costs.

To soften the blow, the warehouse club has been doing the following:

  • Shifting more products into Kirkland Signature, where it controls the price and margins.
  • Sourcing more from countries that arent hit by the tariffs.
  • Quietly raising prices, or reducing the number of promos, in certain categories.

So even if youve never thought about tariffs, theyre already baked into the price of things like small appliances, some packaged foods, toys, clothing, and seasonal goods.

If Costco gets tariff refunds, will their prices drop?

Short answer: dont expect a Tariff Rebate Sale banner.

Costco is asking the court for a full refund of duties it has already paid under these contested tariffs. Analysts say companies across the board could be chasing as much as $90 billion in refunds if the Supreme Court says the tariffs went too far.

You probably wont see a line item that says tariff refund. But over the next couple of years, refund money makes it easier for Costco to hold prices steady instead of hiking them up every time their costs change.

Use Costcos strengths while the legal fight drags on

While courts and politicians argue, shoppers can still tap into Costcos strengths:

  • Executive membership math: If youre spending enough to make the 2% reward pay for the upgrade, youre essentially getting a built-in discount on everything, tariffs or not.
  • Price checks vs. Amazon and Walmart: Tariff pressure can hit all retailers, but Costcos bulk model often keeps it cheapest on per-unit pricing. Check per-ounce or per-count, not just sticker price.
  • Returns on big-ticket imports: If youre on the fence about a pricey imported appliance or gadget thats gotten more expensive because of tariffs, Costcos liberal return policy is there to help. If it underperforms or you regret the splurge, their return policy makes it much easier to bring it back than at most other stores.

How to future-proof your Costco spending

No matter how the Supreme Court ends up ruling, the tariff situation this year proved that policy can change the prices you pay quickly.

With that said, its smart to consider building a little tariff protection into how you shop these days:

  • Stock up smart and dont panic buy. If you see a sharp increase on a staple you use constantly, buy a bit more than usual. But be sure to stick to items that actually store, (or freeze) well.
  • Make Kirkland your default, brand names your splurge. Assume Kirkland is where Costco will pass along cost relief first if tariffs get rolled back or refunds come through.
  • Watch news about tariffs like you watch gas prices. Big shifts can hint that electronics, holiday goods, or certain foods may get more expensive down the road.

Read More ...


Consumer News: Greystar to pay $24 million for hiding rental fees from apartment hunters
Wed, 03 Dec 2025 20:07:06 +0000

Low prices looked good but mandatory fees weren't disclosed

By Truman Lewis of ConsumerAffairs
December 3, 2025

  • Nation's largest apartment manager deceived renters by advertising low prices then adding mandatory fees

  • $23 million will go directly to consumers who were overcharged by hidden fee practices

  • New court order requires upfront disclosure of all monthly costs before taking any payments

If you've been apartment hunting lately, you've likely encountered this frustrating scenario: You see an attractive rental price online, only to discover at lease signing that mandatory fees push your monthly cost hundreds of dollars higher.

Now federal regulators are cracking down on this deceptive practice in a major way.

What's happening with Greystar's settlement

On December 2, 2025, Greystar the nation's largest multi-family rental property manager agreed to pay $24 million to settle charges that it misled consumers about true rental costs.

The Federal Trade Commission and Colorado alleged that Greystar displayed deceptively low rental prices that excluded fixed, mandatory monthly fees. Instead of showing the total amount renters would actually pay each month, the company buried additional costs in the fine print.

"Greystar misled consumers by advertising low rent prices and then adding mandatory fees at the end of the sales process," said Christopher Mufarrige, Director of the FTC's Bureau of Consumer Protection.

The settlement requires Greystar to pay $23 million directly to harmed consumers, plus $1 million to Colorado.

New transparency requirements take effect

Under the court order, Greystar must now:

  • Display total monthly leasing prices prominently when advertising partial pricing

  • Clearly disclose all fees, their amounts, purposes, and whether they're mandatory before taking any payment

  • Stop misrepresenting rental costs and property services

This means no more surprise fees appearing after you've already invested time in the application process.

How to protect yourself from rental fee tricks

While this settlement addresses one major player, many rental companies still use similar tactics. Here's how to avoid getting trapped:

  1. Ask for the total monthly cost upfront, including all mandatory fees, before viewing any property

  2. Request a written breakdown of every fee you'll pay monthly, annually, and at move-in

  3. Don't pay application fees until you've seen the complete cost structure

  4. Screenshot or save advertised prices in case you need to dispute charges later

  5. Report deceptive rental advertising to the FTC at ReportFraud.ftc.gov

Red flags to watch for

Be especially wary when rental listings show prices that seem too good to be true for the area. Common hidden fees include:

  • Amenity fees for pools, gyms, or common areas

  • Utility administration fees

  • Trash and recycling charges

  • Pet fees beyond deposits

  • Parking fees not mentioned in base rent

The bottom line: This $24 million settlement sends a clear message that rental companies can't bait-and-switch consumers with hidden fees. While Greystar now faces strict transparency requirements, you still need to be your own advocate when apartment hunting. Always demand complete pricing upfront, and don't hand over any money until you know exactly what you'll pay each month.


Read More ...


Consumer News: Faulty diabetes devices prompt urgent alert from FDA
Wed, 03 Dec 2025 20:07:06 +0000

Hundreds of injuries and several deaths linked to inaccurate glucose readings, officials say

By Kristen Dalli of ConsumerAffairs
December 3, 2025

  • A newly issued alert links certain FreeStyle Libre 3 and 3 Plus glucose-monitoring sensors to at least seven deaths and hundreds of serious injuries.

  • The problem stems from sensors giving falsely low glucose readings which can lead to dangerous treatment decisions like skipping insulin or overconsuming carbs.

  • If you use these monitors, you should check the sensor serial number now and stop using it entirely if its part of the affected batch.


The U.S. Food and Drug Administration (FDA), together with manufacturer Abbott Diabetes Care, have sounded the alarm over certain FreeStyle Libre 3 and Libre 3 Plus sensors.

According to the FDA, certain sensors from these continuous glucose monitor (CGM) models have been shown to deliver incorrect low glucose readings.

If undetected, incorrect low glucose readings over an extended period may lead to wrong treatment decisions for people living with diabetes, such as excessive carbohydrate intake or skipping or delaying insulin doses, the FDA explained. These decisions may pose serious health risks, including potential injury or death, or other less serious complications.

As of mid-November 2025, Abbott has reported 736 serious injuries globally, and seven deaths possibly linked to these sensor problems. The FDA has classified the issue as a potentially high-risk one.

What consumers should do next

To fix the situation, Abbott sent letters to all customers on November 24, 2025, asking anyone using or storing the suspect sensors to immediately discontinue use and throw them away. The company is also offering free replacements for affected units.

Users are urged to check their sensor serial numbers www.freestylecheck.com and select Confirm Sensor Serial Number. The FDA has also shared some of the specifics of the affected products, which include:

  • FreeStyle Libre 3 Sensor

    • Model Numbers: 72081-01, 72080-01

    • Unique Device Identifiers (UDI-DI): 00357599818005, 00357599819002

  • FreeStyle Libre 3 Plus Sensor

    • Model Numbers: 78768-01, 78769-01

    • Unique Device Identifiers (UDI-DI): 00357599844011, 00357599843014

Importantly, if you use a FreeStyle Libre 3 system: the problem affects only the sensor units. The reader and app are not impacted.

Customers in the U.S. with adverse reactions, quality problems, or questions about this recall should contact Abbott Diabetes Care at 1-833-815-4273 or https://www.freestyle.abbott/us-en/support/contact-us.html


Read More ...


Consumer News: Amazon pilots new 30 minute deliveries in select markets
Wed, 03 Dec 2025 20:07:06 +0000

Ultra-fast deliveries for essentials are being tested in Seattle and Philadelphia

By Kristen Dalli of ConsumerAffairs
December 3, 2025
  • Amazon launched a new service called Amazon Now that delivers groceries and everyday staples in about 30 minutes or less.

  • The service is only available in parts of Seattle, WA and Philadelphia, PA so far and only for a selection of essential items.

  • Shipping isn't free: prices start at $3.99 for Prime members, $13.99 for non-Prime shoppers, plus a small-basket fee if your order is under $15.


Amazon recently rolled out a pilot program called Amazon Now, offering ultra-fast home delivery of household essentials and groceries in select neighborhoods of Seattle and Philadelphia.

According to Amazon, customers in those eligible zones can receive items in roughly 30 minutes after placing an order.

The specifics

Heres the catch: this isnt a blanket offering for all residents of those cities. Amazon has placed small, specialized fulfillment centers close to dense urban areas to make the 30-minute promise possible. If you live outside those zones, the standard delivery options still apply.

As for what you can order Amazon gives you a fairly broad but specific selection: everyday items like milk, eggs, fresh produce, diapers, pet treats, over-the-counter medicines, paper goods, cosmetics, snacks, electronics and more.

To use it, you just open the Amazon app or website and look for a 30-Minute Delivery option but that tab will only show up if Amazon Now is available in your neighborhood at that time.

The price and trade-offs

The convenience does come with extra cost.

For Prime subscribers, the fee starts at $3.99 which might not seem too bad for urgent items. For non-Prime users, its $13.99 per order. And theres a small-basket surcharge of $1.99 if your order total is under $15.

That means Amazon Now is best suited for quick, small purchases rather than full-on grocery hauls. Think grabbing eggs, toothpaste, pet food or a snack not restocking your entire fridge.


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