It started with a box of Annie's mac and cheese. Three boxes, actually, a Costco three-pack, and not one of them had a cheese packet. The kitchen is chaos because kids are hungry, and I'm standing there looking at the box of dry pasta thinking about what a consumer is supposed to do here. Go back to Costco, stand in line, (wait... did you remember to bring the box?) - for six dollars? Write to Annie's? I'm not writing to Annie's. Every version of "do something about it" costs me more than the problem.

So I would have eaten the cost, the way I've eaten every one of these my entire adult life. But instead I took a picture of the box and told Claude to deal with it. It asked where I bought it and when, found the manufacturer's complaint form, filled it in through the Chrome extension with the photos attached, and submitted it. A few weeks later a coupon showed up in the mail. So whats there to write about?

Well, I knew going in that the coupon wasn't the point. I was spending family capital on a $10 coupon because I could see it was the seed for a process. Companies were going to keep not holding up their end, that's just an increasingly common fact of life, and I was going to keep being at a disadvantage every time. Except now there was a way to counteract that!

Seven months later that process is ten for ten, no losses, though a few are still in flight. It has clawed back somewhere north of twelve thousand dollars in refunds, reversals, and costs I would otherwise have eaten. And it's the highest-ROI thing I've done this year with AI agents in my personal life.

The IRS one dominates the total. First-time penalty abatement is a relief provision that had been sitting there for eight years while I paid a monthly installment, and I had no idea it existed.

Before this, unless there were hundreds of dollars at stake, I ate it. Insurance appeals I ate on principle, because everyone knows appeals are a nightmare, and the nightmare is by design. The denial works because most people don't appeal. KFF's latest numbers put it at fewer than 1% of denied claims ever getting appealed, and the class action against UnitedHealth over its AI-driven denials alleges the company counted on exactly that, denying claims knowing only a fraction of a percent of policyholders would push back.

I always told myself the reason was time. Time is money, these things need to happen during business hours or they eat into family time, and so on. That was true, but the bigger cost was cognitive. Every step needs research and thought. What's the warranty actually say? Who regulates pet insurance in Pennsylvania? Even a phone call is effort long before you dial. And effort is a finite resource. You can only juggle so many open loops at once, and a months-long dispute occupies one of those slots the whole time it drags, wearing you down. Each one a small commitment, stacked into a big one, for an outcome I'd already priced at "probably not worth it." Its exhausting.

The agent carries almost all of that now. Every claim starts with me word-vomiting using voice-to-text about what happened, and it collects the context, does the research and comes back with a dossier: what the contract says, what their marketing promised, what other owners are reporting on Reddit. Which regulator has jurisdiction. A plan with three branches depending on how they respond. I have a pipeline that accurately OCRs the PDFs. I voice-to-text the support calls and feed the transcript back live to Claude to get told what to say next. Sure, I still review every email before it goes out, still make the strategy calls, still have to physically get on the phone or box up a return and drive it to FedEx. But the part where I have to hold the whole thing in my head is mostly gone. Some weeks my only job on a long dispute is to fire up Claude and say "they responded".

Most of what the agent does for me is manage the context.

The agent's first-pass advice on these cases is usually weak. "File a complaint with the FTC." "Contact your state representative." Sounds right, has probably never worked for anyone except in the very early days of each channel. What actually wins is a multi-front campaign. Pull the agent in early and it plans the whole thing: which levers exist, what order to pull them in, what to do when each one doesn't move. There's no way to know up front which one a company will respond to. You find out by trying them all.

With the robot mop, the opening plan was a Magnuson-Moss Warranty Act angle that I doubt would have gone anywhere. What does a federal warranty statute even look like against a manufacturer on the other side of the world? Meanwhile eleven weeks of "forwarding this to our technical team" ended in a flat refusal to honor their own warranty: a 46% partial refund, prorated for "months of use" that included the month the robot spent at their repair center, and that was final. The most explicit case of a company not holding up its end of a deal I've ever had, and a few years ago that would have been that.

Then the agent, reading through their terms of service, found the needle in the haystack: the company's own arbitration clause. Under the consumer rules of the forum they themselves picked, my filing cost is capped at $250 and they bear the rest of the fees, which for a claim this size is several times the refund before anyone even hears the merits. Three days after I filed, they offered the exchange they'd previously denied.

With the pet insurance the lever was the regulator. Weeks of correspondence with the CX team did nothing; their supervisor closed the thread with "we've gone as far as we can go." A complaint to their home-state regulator in New York, plus emails straight to two of their executives, and they folded in three and a half hours. A "special exception", approved by leadership. That closing line from the supervisor used to be exactly true. Now it just marks where the campaign leaves the support queue.

And with Plaud it was publicity. Email got nowhere across six reps in six days, each one sending a slightly more coherent version of the same denial. So it went public on every channel more or less at once: Reddit, an Amazon review, a Trustpilot review, a tweet, and a LinkedIn message straight to the CEO. Their Trustpilot team reopened the case the following morning and the CEO replied at midnight. (The reviews got updated to three stars once they made it right.) I couldn't have run that campaign by hand, or rather, I would never have bothered.

The strangest side effect is that the emotion is gone. When I get a denial now I don't feel anything, because I already know the three moves that come after it. A setback used to mean another evening of research I didn't want to do. Now it means the next branch of a plan I've already read.

Companies have always relied on a drop-off funnel, and the funnel is well documented. Customer-service research going back to the 1970s found only about half of unhappy customers ever complain, and somewhere between 1 and 5% escalate past the frontline rep. And at the far end it collapses to effectively nothing: against the 800-million-plus arbitration agreements Americans are bound by, roughly a thousand consumer arbitrations were getting filed per year as recently as the early 2010s. Support is designed for that funnel. "Here's 20% off your next purchase, take it or leave it".

An agent breaks the funnel.

So when the Subaru started making a weird noise around 15 miles an hour, I didn't get stressed. I told Claude about it, it figured out it was probably the torque converter and that there was an extended CVT warranty that expired soon, and we made sure the dealer honored it. That's the mindset I'm in now. Anything that goes wrong, first thought is "let's make sure they hold up their end".

"We can use this for customer support" was likely the very first business idea for LLMs, and "customer support" is now just a polite name for automating away customer complaints. The pet insurer's first two replies to me came from a chipper bot with a human first name. The tracking parameter in her email links literally said cxllm. The robo-mop company's reps sent the same template with the same broken auto-numbering week after week. Every support interaction I have now, I assume there's an AI model somewhere in the loop, either driving the whole thing or just helping a rep draft.

And they have every right to do that. That's the arms race. In practice it means the dark patterns of customer support are getting applied more efficiently and more thoroughly. Stall for exactly the right amount of time, ask for one more small reasonable thing and then another, and the customer frog boils without ever noticing. An agent can run that script with a consistency no call center ever could.

Which means the vanilla advice from free ChatGPT gets deflected on contact, because the support team already has an SOP for it. The low-level channels will get flooded and filtered, if they ever worked at all. The higher-level ones, the regulators and the arbitration forums, move at government speed and will be a year behind whatever consumers and companies are deploying.

The part that bothers me is the flood. I take care to make every outbound message and filing precise, partly because precision is what wins and partly because I don't want to add slop to the pile. But I'm sure most people won't, and the state insurance departments and the regulators and the arbitration intake queues are about to be buried in it. Arbitration shows where this goes: those thousand filings a year have already become six figures, except it's law firms running coordinated mass campaigns rather than individual consumers.

The system does push me to be a bit Karen-like. When CAVA shorted the kids' meals and the bowl came half full, I hesitated. Is this really something I should be filing a corporate complaint over? What about the $10 Costco soup with the punctured seal, made by a small company?

I don't treat small businesses this way. Gallup last year had confidence in big business at 15% versus 70% for small business, and that split is about where I am. When the chimney guy came out and did a great job, I used the same agent to post detailed reviews with photos for him across every platform, every word of them true, because it costs me nothing extra and it's the same machine pointed the other way. And I'm never rude to the customer support rep. The person on the other end is just following a script to get paid, same as I would be. Nothing good comes from being aggressive with them.

Big corporations, though, I've stopped feeling bad about. Forrester's CX index hit an all-time low in 2025 after four straight years of decline. The National Customer Rage Survey has 77% of Americans reporting a problem with a product or service in the last year, more than double what it was in 1976. My own support experience with Anthropic, the company that makes the agent I do all this with, has been a Google Form and silence. The prevailing business model is to churn through customer goodwill: as long as marketing acquires new customers faster than terrible support loses old ones, support is just a cost center to starve.

There's a line going around the internet, no idea who said it first:

The mop company wants you to buy the robot, and when it stops mopping they seem irritated that a warranty is standing between them and the sale being over.

Companies always knew the funnel math. For the first time it's turned around. But it probably won't stay that way for long, so I'm taking full advantage while I can.