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Be an Activist Whistleblower: Help Us Add Companies to the Forced Arbitration Rogues Gallery

 

Check the terms of service that companies send you and look for language that requires forced arbitration and bans class actions.

If you find these damaging terms buried in the fine print, send an email to action@citizen.org with a link if it’s posted online, or a scanned image of the terms of service if it is not.

There is legislation before Congress that would solve the problem. It’s called the Arbitration Fairness Act. Tell your members of Congress to support it.

Forced Arbitration Horror Stories

Why all the fuss over forced arbitration? Read the stories from people like you who were trapped by these unconscionable clauses. You can also email us your own forced arbitration horror story.

Learn More

Forced Arbitration Rogues Gallery

Expose Corporations That Are Rigging the Justice System Against Consumers

If your bank, cell phone provider, employer or other company that you conduct business with violated your rights or cheated you, would you want to retain your ability to take them to court? Many companies are now using fine print to stop you and other consumers from doing so.

Below is just a sampling of some of the largest corporations that have taken away their customers’ legal rights, immunizing themselves from accountability for wrongdoing.

These corporations put “forced arbitration” clauses in their terms of service to block consumers from holding them accountable in court. If consumers (or employees) are hurt or ripped off by these companies, they must take their claims to private, secretive tribunals that favor the companies.

You can help us add more by blowing the whistle on the companies that are taking away your rights with this predatory practice.

Telecommunications


DirecTv logo



DirecTV

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF).


Verizon Wireless

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF).


AT&T

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF).



Comcast

Terms of service contain forced arbitration provision and ban class actions (with 30-day opt-out provision).

Read the terms (PDF).


Sprint Nextel Wireless

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF).


T-Mobile

Terms of service contain forced arbitration provision and ban class actions (with 30 day opt-out provision).

Read the terms (PDF). Class Actions Ban (PDF).



Clearwire

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.


Time Warner Cable

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.


Tracfone

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.


Health Insurance Companies and Health Care Providers







Kaiser Permanente

Terms of service contain forced arbitration provision. Added thanks to activist whistleblower.

Provision revealed in a lawsuit. 


Anthem BlueCross BlueShield

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF).




Consumer Banking and Credit




Wells Fargo

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF). Class Actions Ban (PDF).


US Bank

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF).


Regions Banks

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF).



BB&T

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF).


Discover

Terms of service contain forced arbitration provision and ban class actions (with 30-day opt-out provision on card).

Read the terms: For customers with good credit (PDF); for customers with less good credit (PDF). Student loan terms (PDF)


PNC Bank

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF).





Chase

Terms of service contain forced arbitration provision and ban class actions (with 60-day opt-out provision).

Read the terms (PDF).


TD Bank  

Terms of service contain forced arbitration provision. Added thanks to activist whistleblower.

Read the terms (PDF).


Charles Schwab Bank  

Terms of service contain forced arbitration provision. Added thanks to activist whistleblower.

Read the terms (PDF).

American Express logo





American Express

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.






Student Loans




Sallie Mae

Terms of service contain forced arbitration provision and ban class actions.

Read the standard student loan (PDF) and bar study loan (PDF) contracts.


Citibank

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.


Sovereign Bank

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF). 





Discover

Student loan terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF).






Consumer Electronics




Sony

Terms of service contain forced arbitration provision and ban class actions (with 30-day opt-out provision).

Read the terms (PDF).


Dell

Terms of sale contain forced arbitration provision and ban class actions.

Read the terms here and here (PDF).


Gateway Computers

Terms of warranty contain forced arbitration provision and ban class actions.

Provisions revealed by lawsuit.




Electronic Arts

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF).


XBox Live

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF).


Toshiba

Terms of service contain forced arbitration. Added thanks to activist whistleblower.

Read the terms.


Nursing Homes





Candansk, LLC (Carrington Place Care Center)

Terms of service contain forced arbitration provision.

Provisions revealed by lawsuit.


Covenant Dove, Inc. (Covenant Health)

Terms of service contain forced arbitration provision.

Provisions revealed by lawsuit.


Driftwood Rehabilitation and Nursing Center

Terms of service contain forced arbitration provision.

Provisions revealed by lawsuit.





Kindred Nursing Center

Terms of service contain forced arbitration provision.

Provisions revealed by lawsuit.


Manor Care of Florida

Terms of service contain forced arbitration provision.

Provisions revealed by lawsuit.


OP Winter Haven, Inc.

Terms of service contain forced arbitration provision.

Provisions revealed by lawsuit.

SA–PG Sun City Center, LLC (Palm Garden of Sun City Center)

Terms of service contain forced arbitration provision.

Provisions revealed by lawsuit.


Triad Health Management of Georgia, III, LLC (Tara at Thunderbolt Nursing and Rehabilitation Center)

Terms of service contain forced arbitration provision.

Provisions revealed by lawsuit.




Home Builders




D.R. Horton

Home warranty terms of service contain forced arbitration provision.

See Public Citizen report: Home Court Advantage


Pulte Homes

Home warranty terms of service contain forced arbitration provision.

See Public Citizen report: Home Court Advantage


Centex Corporation

Home warranty terms of service contain forced arbitration provision.

See Public Citizen report: Home Court Advantage



Lennar Corporation

Builder’s terms of service and home warranty terms contain forced arbitration provision.

See Public Citizen report: Home Court Advantage


KB Home

Builder’s terms of service contain forced arbitration provision.

See Public Citizen report: Home Court Advantage


Hovnanian Enterprises

Home warranty terms of service contain forced arbitration provision.

See Public Citizen report: Home Court Advantage



NVR (Ryan)

Home warranty terms of service contain forced arbitration provision.

See Public Citizen report: Home Court Advantage


The Ryland Group

Home warranty terms of service contain forced arbitration provision.

See Public Citizen report: Home Court Advantage


Beazer Homes

Home warranty terms of service contain forced arbitration provision.

See Public Citizen report: Home Court Advantage


Gift Cards




Starbucks

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF).


Pep Boys

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.


Gold’s Gym

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.



Ticketmaster

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.


Crocs

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.


In-N-Out Burger

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.



Red Mango

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.


Patagonia

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.


Discover

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.



Ecommerce, Entertainment, and Software



Amazon.com

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.


Barnes & Noble

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.


Netflix

Terms of service contain forced arbitration provision and ban class actions. Added thanks to activist whistleblower.

Read the terms.







Hulu

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.


Groupon

Terms of service contain forced arbitration provision. Added thanks to activist whistleblower.

Read the terms.


Match.com

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.



 



Ebay

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF).

Find out how to opt out of eBay’s terms and sign our petition.


Microsoft

Terms of service contain forced arbitration provision and ban class actions.

Read the terms (PDF).


PayPal

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.

Find out how to opt out of PayPal’s terms.

Change dot org logo




StubHub logo

Change.org

Forced arbitration and class action ban removed from terms in December 2014. Learn more. Added thanks to activist whistleblower.

Read the terms.


Spotify

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.


StubHub

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.




Dropbox

Terms of service contain forced arbitration provision and ban class actions. The contract also includes a 30 day opt-out period.

Read the terms (PDF).


Snapchat

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.


Overstock

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.

 





Etsy

Terms of service contain forced arbitration provision and ban class actions.

Read the terms.






Investment Advisors and Brokers

  


  

Ameriprise Financial

Terms of service contain forced arbitration provision.

Read the terms (PDF).


Charles Schwab

Terms of service contain forced arbitration provision.

Read the terms (PDF).


Edward Jones

Terms of service contain forced arbitration provision.

Read the terms (PDF).






T. Rowe Price

Terms of service contain forced arbitration provision.

Read the terms (PDF).


Morgan Stanley Smith Barney

Terms of service contain forced arbitration provision. Added thanks to activist whistleblower.

Read the terms.


Fidelity Investments

Terms of service contain forced arbitration provision. Added thanks to activist whistleblower.

Read the terms (PDF). 




Vanguard Group, Inc.

Terms of service contain forced arbitration provision. Added thanks to activist whistleblower.

Read the terms (PDF).


LPL Financial LLC

Terms of service contain forced arbitration provision. Added thanks to activist whistleblower.

Read the terms for clients (PDF) and the terms for employees


Equifax

Terms of service contain forced arbitration provision. Added thanks to activist whistleblower.

Read the terms (PDF).



Employment




Hooters of America Inc.

Terms of employment contain forced arbitration provision and ban class actions.

Provisions revealed by lawsuit.


Forever 21

Terms of employment contain forced arbitration provision and ban class actions.

Provisions revealed by lawsuit.


Nordstrom, Inc.

Terms of employment contain forced arbitration provision and ban class actions.

Provisions revealed by lawsuit.



Neiman Marcus Group

Terms of employment contain forced arbitration provision and ban class actions.

Read the terms (PDF).


Macy’s West Stores

Terms of employment contain forced arbitration provision and ban class actions (with 30-day opt-out provision).

Provisions revealed by lawsuit.


Yahoo! Inc.

Terms of employment contain forced arbitration provision and ban class actions.

Provisions revealed by lawsuit.





Hobby Lobby

Terms of employment contain forced arbitration provision. Added thanks to activist whistleblower.

Provision revealed by a lawsuit (PDF).


Manpower

Terms of employment contain forced arbitration provision. Added thanks to activist whistleblower.

Read the terms.


Dillard's

Terms of employment contain forced arbitration provision. Added thanks to activist whistleblower.

Read the terms.





Papa John's Pizza

Terms of employment contain forced arbitration provision. Added thanks to activist whistleblower.

Read the terms.


Carrols

Terms of employment contain forced arbitration provision. Added thanks to activist whistleblower.

Read the terms.




Miscellaneous




New Leaf Academy

Terms of service contain forced arbitration provision and ban class actions.

Provisions revealed by lawsuit.


Orkin

Terms of service contain forced arbitration provision and ban class actions.

Provisions revealed by lawsuit.


SolarCity

Terms of service contain forced arbitration provision. Added thanks to activist whistleblower.

Read the terms.





NASCAR

Terms of service contain forced arbitration provision. Added thanks to activist whistleblower.

Read the terms.


CarMax

Terms of service contain forced arbitration provision. Added thanks to activist whistleblower.

The provision for customers and the provision for employees were both revealed through lawsuits.


Coke Rewards

Terms of service contain forced arbitration provision.

Read the terms.






Neogard

Terms of service contain forced arbitration provision. Added thanks to activist whistleblower.

Provision revealed in a lawsuit. 


General Mills

Forced arbitration provision and class action ban added to terms of use in April 2014, then removed following consumer backlash.

Read the terms.


AOL

Terms of service contain forced arbitration provision and class action ban.

Read the terms.





NHL

Terms of service contain forced arbitration provision.

Read the terms. 





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