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Amazon and Walmart are among the big retailers trying out a new way of handling refunds, according to a report from The Wall Street Journal WSJ . Customers can ask for a refund, but they might not have to return the item even if they ;re granted one.The idea, which uses artificial intelligence AI , is supposed to cut down on work and costs for the companies, which have seen an unprecedented surge in activity because of the pandemic.WSJ reported that Target is also among the retailers practicing the measure, and a spokesperson said the company gives customers refunds and encourages them to donate or keep the item if it deemed not necessary to return.A Walmart spokesperson, according to WSJ, stanley cup said the option to keep the refunded item is usually f gourde stanley or items the company doesn ;t plan to resell. The option is also determined on a case-by-case basis, depending on the individual customer purchase history and the cost of processing the return.The new way of handling returns comes from a spate of returns seen in 2020. The number of eCommerce packages returned soared 70 percent compared to 2019, and because of the pandemic, many customers didn ;t want to take the items to physical stores, WSJ reported. Additionally, many returns occurred because of the higher eCommerce sales in general that were spurred by stanley termoska the pandemic digital shift, as items sold online are typically more likely to be returned than goods purchased in stores.The U.S. Postal Service Kcnq How Marqeta Uses Cards To Power Disruption In Lending

The CFPB is cracking down on the subprime credit reporting industry.Yesterday Dec. 3 , the CFPB took action against聽Clarity Services, Inc. and its owner and CEO, Tim Ranney, for allegedly illegally obtaining consumer credit reports. The bureau also reported that the company failed to聽investigate consumer disputes in a proper manner.As a result, the company must halt these practices and find a way to remediate the situation by enhancing the ways it handles聽consumer disputes and obtains, sells and resells consumer credit reports. The company and its owner were also ordered to pay聽an $8 million penalty to the bureau. Credit reporting plays a critical role in consumers financial lives, said CFPB Director Richard Cordray. Clarity and its owner mishandled important consumer information and failed to take appropriate kubki stanley action to investigate consumer disputes. Today, we are holding them accountable f stanley fr or cleaning up the way they do business. The CFPB ruling determined that Clarity and Ranney violated the Fair Credit Reporting Act by illegally obtaining the consumer reports of tens of thousands of consumers聽鈥?without a permissible purpose 鈥?for use in marketing materials for potential clients, according to its report.The聽Fair Credit Reporting Act requires that stanley shop access to consumer reports be limited to those with a permissible purpose, according to the CFPB. This protection ensures that聽consumer reports are obtained and used appropriately and that consumer privacy