Joshua Browder Profile picture
Apr 2 4 tweets 2 min read Twitter logo Read on Twitter
I asked the new ChatGPT browsing extension to find me some money. Within a minute, I had $210 on the way to my bank account from the California Government. (1/4)
The first idea it came up with was to visit an obscure government website: the "California State Controller."

This website holds unclaimed refunds from companies that can't contact you.

It gave me a link with step by step instructions on what to do. (2/4)
I followed the instructions and, sure enough, $209.67 was waiting for me, one minute later. (3/4)
The only thing stopping the A.I. doing it itself was a captcha.

Companies will never build these integrations directly, because it loses them money. Comcast isn't going to let you cancel with a ChatGPT plugin.

But we are working to bridge this gap @DoNotPay with our own plugin!

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More from @jbrowder1

Mar 9
Bad news! Jay Edelson, America's richest class action lawyer, is suing my startup @DoNotPay in California. Mr Edelson, who has made billions suing companies, is attacking us for "unauthorized practice of law" and seeking a court order ending any A.I product.

Here's my response:
Jay Edelson inspired me to start DoNotPay because he symbolizes everything wrong with the law. In a recent Facebook settlement, for example, he made $97,500,000. A minority of consumers made $375 and, the majority, who couldn't fill out complicated "claim forms," got $0. (2/10)
Time and time again the only people that win are the lawyers. So I wanted to do something about it, building the DoNotPay robot lawyer to empower consumers to take on corporations on their own. This put my target on my back and Edelson began a campaign to stop us. (3/10)
Read 10 tweets
Jan 23
Here is an unknown (until today) story that Warren Buffett told me when I was 21.

It has to do with the first ever lawsuit he was involved in. It is not previously reported anywhere, online or offline, and inspired me to change the direction of DoNotPay: Image
Every year, Microsoft hosts this secretive gathering of about 120 people of Fortune 500 CEOs in Seattle.

It is strictly off the record and is attended by Bezos, Gates, Nadella, Jamie Dimon, Rupert Murdoch and 100 other CEOs in Corporate America (Geico, Chase etc). Image
As part of the gathering, they have a cute tradition. Warren Buffett does a favor for his Microsoft friend Bill Gates and agrees to be interviewed by a college student on stage.
Read 15 tweets
Nov 14, 2022
With FTX in bankruptcy, it may seem like there is nothing that people can do to get their funds back.

But, I have spent the weekend brainstorming with lawyers out of the box strategies for people to get their funds TODAY.

Here are five things retail investors can do:
1. Reverse an ACH Deposit under Regulation E/NACHA rules:

FTX US allows consumers to deposit funds using bank transfer. Under Federal rules, any ACH transfer can be reversed within 60 days, if it was fraudulent. Call your bank and choose words carefully
nacha.org/news/which-60-… Image
2. Go after the YouTubers pressuring consumers to sign up.

FTX was paying YouTubers $50k+/month.

We are working on gathering people who signed up using referral links for a YouTuber class action.

Alernatively, sue the influencer that referred you to FTX in small claims court.
Read 7 tweets
Oct 25, 2022
At @DoNotPay, we run a very frugal company culture and try to reduce unnecessary expenses.

Here are 7 things that I think every startup should do to save money, without any real downside:
1. No physical corporate credit cards (virtual only). Psychology means savings of $20k+/year from employees.

2. Constantly renegotiate interest rates in company bank account. At this point, your bank should be giving you a minimum of 2.5% with 1 day liquidity and no risk.
There are higher yield products, but I think liquidity and risk are important. If we know each other and you need an intro to @jpmorgan to make it happen, let me know!

3) Claim R&D tax credit against employee expenses. Use a service like @Gusto to get the credit upfront.
Read 8 tweets
Sep 20, 2022
I had a great chat with @GuyDealership, who runs a large car dealership.

Today, DoNotPay saved a consumer $480 on their car payment.

Here is the number 1 way that car dealerships scam consumers, and how you can a “free money” refund, even months or years later:
Car dealerships don’t make much profit from actually selling cars (6-8% margin).

Instead, they make much more from financing and insurance products (60% margin).

This is part of a broader trend of an overly financialized society, but that is a discussion for another day.
Because they make so much money from warranties, the industry has invented dozens of products:

- GAP insurance (if the value of your car is lower than what you owe).
- Mechanical warranty
- Windshield “hail” protection plan
- Speaker defense
- Dent protection plan
++
Read 9 tweets
Sep 18, 2022
Credit repair companies offer to “fix your credit,” for hundreds or thousands of dollars.

We sent a DoNotPay employee to interview for jobs at credit repair companies to figure out how they do it so that we can automate it and replace them.

This is what we discovered:
If a consumer makes a minor mistake, such as forgetting to return a Comcast cable, a business/lender can destroy their credit score by “sending the account to collections.”

Even though it can ruin someone’s life, nobody verifies that the info is accurate.
To justify the power that lenders and businesses have, Congress passed the Fair Credit Reporting Act in 1970.

Credit repair companies use this act in several ways to get information removed.
Read 14 tweets

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