SHAME ON

CLIFF’S
AUTO
MADRAS, OREGON
(330 SW CULVER HWY)
FOR TAKING FINANCIAL
ADVANTAGE OF MY
PREDICAMENT AS I WAS

1
 TRAVELING THRU
OREGON ON A
SUMMER TRIP.
(THIS COMPLAINT WAS
ORIGINALLY ISSUED TO MY
CREDIT CARD FOR A FORMAL
“DISPUTE” OF CHARGES).

THIS COMPLAINT IS NOW BEING

POSTED ONLINE & SENT TO
VARIOUS PERSONS FOR THE SAKE
OF EXPOSING THE DISHONESTY OF
CLIFF’S AUTO.

re CASE NO#
redacted for privacy

2
DATE OF TRANSACTION:
JULY 3, 2018 AT
CLIFF’S AUTO IN
MADRAS, OREGON
(330 SW CULVER HWY
AMOUNT OF
TRANSACTION:
$639.99
AMOUNT DISPUTED:
$200
Re CASE NO# redacted for privacy
Re Credit Card # redacted for privacy
DATE OF TRANSACTION:
3
 JULY 3, 2018 AT CLIFF’S AUTO IN
MADRAS, OREGON
AMOUNT OF TRANSACTION: $639.99
AMOUNT DISPUTED: $200
ATTEMPTS TO RESOLVE:
THEY (MR CLIFF & ASSOCIATIONS AT
CLIFF’S AUTO REPAIR) KNOW THE
TRUTH, but ARE NOT BEING HONEST TO
ME NOR TO CAPITAL ONE. THEY CAN
VOLUNTARILY REFUND ME $200; OR IF
THEY PERSIST IN THEIR DISHONESTY, I
ASK CAPITAL ONE TO USE THEIR
AUTHORITY TO MAKE THE CORRECTION
BASED ON THE INFORMATION &
EVIDENCE DISCUSSED BELOW.
COMPOSED ON 8/10/18
SHORT VERSION:
On July 3, 2018, I was stuck a traffic jam due to a
wildfire detour when MY 2006 FORD
FREESTAR VAN (3.9L) BROKE DOWN in a
remote area north of Madras Oregon. All I
thought was a broken serpentine belt. I was stuck
4
overnight until I got a tow truck the next
morning which took me to Cliff’s Auto in
Madras. The owner or operator (I still do not
know his name. Maybe Cliff or Mr. Cliff? )
diagnosed the primary problem as a bad water
pump and offered to replace it and the serpentine
belt for $429, which he wrote by hand on a pink
paper and showed it to me and asked me if this
was okay.

The pink paper with the original estimate was

NOT provided to me for my records. Mr Cliff
said it would be done by noon. He offered no
place to wait at the shop and suggested I walk
into town, and he would call me when it is ready.
I received NO CALL NOR TEXT the entire day,
and when I checked in was provided NO
STATUS UPDATES NOR FURTHER
INFORMATION.
Finally around 4pm I returned again to the shop,
and they had changed the final price to $639.99 ,
ONLY justifying it by saying it was a “LOT OF

5
WORK” . Why did I pay this amount if I did
NOT AGREE TO IT ? READ SECTION #6
BELOW. The original price offered differed from
the final price demanded by over $200 dollars
without justification. Also they may have inflated
the price of the parts they used and/or used the
highest priced parts without asking me for my
preference (see more below) .

Finally, their final labor amount is also far above

the average cost for such a job. If they had given
me an original estimate of $639.99 as falsely
claimed on their invoice, I would have GONE
SOMEWHERE ELSE despite the inconvenience
of perhaps having to remain overnight for a day
or two.

LONG VERSION:
1) BACKGROUND/ CONTEXT: Being a
Christian Evangelist (BA/BA/M.Div) , every
summer I take a “mission trip” to different parts
of the country. Last summer (2017) I traveled by
6
vehicle from California to Key West. The
previous summer (2016) I traveled by vehicle to
the Midwest Chicago area. And the list goes on,
including mission trips to the Philippines, and
other parts of the world.

This year (2018) due to a family event in

Northwest Washington this summer, and for the
purpose of Christian mission, as well as exploring
other parts of beautiful America, &
contemplating a re-location of my ministry base,
I drove from southern California in my 2006
Ford Freestar van (3.9L) (vin #
2FTZA54646BA64176 ) thru northern California,
Oregon, & Washington, & a little bit of Nevada
near Tahoe/Reno, and enjoyed many famous
hikes along the way, including Yosemite, as well
as the Oregon Coast, also around North Bend
Washington & the Mt Baker area, and later
returned south through the Cascade Loop and
then the Mt Hood area, while also engaging in
Christian evangelism, as best as I can, and
according to the receptivity of others.
7
 All of this of course requires gas and other
expenses, not to mention lodging, etc along the
way. I DO have a budget and try to be frugal, but
always honest, and never compromising integrity,
and enduring some hardships along the way to
try to remain on budget.

1A) DIRECT ROUTE TO BEND OREGON

CLOSED DUE TO WILDFIRE IN WARM
SPRINGS. DURING DETOUR TRAFFIC JAM
IN A REMOTE AREA, THE SERPENTINE
BELT ON MY VEHICLE SNAPS. I SPEND
THE NIGHT IN MY VEHICLE . On July 2,
after leaving the Tamanawas waterfall hike near
Mt Hood I headed southward with the intention
of reaching Bend Oregon (via highway 35 &
highway 26). However, when I reached the
junction of highway 26 & highway 216 I
discovered highway 26 was closed due to a
wildfire in the Warm Springs area. The sign
indicated the only option to continue south was to
go east on highway 216 towards Maupin and

8
then southward on highway 197 & 97 which goes
thru Madras towards Bend.

So I continued on the detour route but around

the junction of 97 & 293 (near Willowdale) there
was an ENOURMOUS TRAFFIC JAM going
southward. The traffic was barely moving. As I
sat in traffic, suddenly I heard and felt a jolt , and
I knew something had happened to my engine.
Fortunately, I was adjacent to a pullout and was
able to roll over to it despite now having no
acceleration ability. I turned off the engine ,
opened the hood , and immediately noticed the
serpentine belt had snapped. Unfortunately, at
the moment I was also unable to get any phone
connection. The sun was setting. The traffic jam
continued right next to me. I climbed in the back
of the van for the time being and fell asleep in my
vehicle for the night.

1B) MY ROAD SERVICE MANAGES TO

CONTACT A TOW TRUCK FOR ME THE
9
NEXT MORNING The next morning (July 3) I
awoke and was able to get a roaming phone
connection, and contacted my road service and
eventually a tow truck arrived and a nice young
man took me to Madras. My towing service had
recommended I go to “Sandy’s Auto Repair” but
the tow driver said that Sandy’s was no longer in
business.

I asked him if he had any recommendations and

he said “Maybe Cliff’s can do it, I’ll give them a
call…” So as we were driving he called Cliff’s
and thinking the repair was just a serpentine belt,
the owner or operator of Cliff’s auto said he
could do it (whom I will refer to as “Mr Cliff”
assuming his first or last name is Cliff, but I do
not know for sure)
2) ARRIVING AT CLIFF’S AUTO IN
MADRAS, OREGON VIA TOW TRUCK: A
few moments later we arrived at Cliff’s Auto, and
Mr Cliff came out, and said “A broken serpentine
belt usually indicates other problems” or

10
something like that. SO FAR SO GOOD, HE
WAS RIGHT ABOUT THAT.

He looked and immediately diagnosed it as a bad

water pump. At the same time he became more
and more boisterous about “how busy” they are,
and kept talking aloud wondering if he could get
the job done today (July 3) or not. I stood there
waiting for him to make a decision, and noticed
he had three or four young men also working at
the shop. He kept telling me how busy they were,
although I didn’t necessarily notice a lot of
activity , so I was NOT sure if he was “posturing”
or whether he was being totally sincere.

I wondered if he was trying to “hustle” me or if

he was an honest merchant trying to decide if
they could do the job in a timely manner or not.
By this time the tow truck driver had left, so if I
was going to go anywhere else it would require
another tow service.

11
3) re THE ORIGINAL QUOTE OF $429
WHICH CLIFF’S AUTO FALSELY OMITTED
FROM THE INVOICE THEY SUBMITED TO
CAPITAL ONE (see images at bottom).
Eventually, Mr. Cliff said aloud to himself or me
“Nobody else in town can do this today” … and
seemed to suggest that he would TRY to get it
done mostly out of the goodness of his heart ,
otherwise I would be stuck in town over the
holiday (the next day was Independence Day,
nobody would be open).

Once again, I was wondering if he was

“posturing” and planning on trying to “hustle
me” or if he was being totally sincere. He went
back into his office and he or his assistant looked
up the time & parts required, and came out with
a pink paper indicating the job would cost
around $429 dollars. He held the pink paper with
the number $429 hand-scrawled on it, and said,
“IS THIS OKAY?” That was a LOT OF MONEY
but given my years of travel and auto repair

12
experiences , now at the age of 51, I believed it to
maybe be a bit above average price, but I
accepted THE $429 PRICE AS IS. I said
“OKAY” to this price.

4) NOT ALLOWED TO WAIT IN THE

WAITING ROOM (OR THEY DIDN’T HAVE
ONE) AND WAITING FOR THE REPAIR TO
BE COMPLETED, EXPECTING A CALL OR
TEXT THAT NEVER CAME So Mr. Cliff & his
employees pushed my van into the garage, at the
same time he said, “We should be DONE around
noon”…and suggested I walk into “town” and he
would call me when it is ready.”

I wanted them to do a good job and said “I’m not

in a hurry” to which Cliff snapped, “But we
are…” I had NOT SLEPT WELL as you can
imagine and was a bit tired, and might have
preferred to sit in the waiting room for a while,
but apparently there was NO WAITING
ROOM..or he didn’t want me to wait around.
13
This made me feel a bit uncomfortable, but I
walked into town and went to a McDonalds for a
while, and then over to the local library. Around
noon I had NOT heard from Mr. Cliff and so I
walked back to the shop and nobody was there
EXCEPT Mr. Cliff.

He said that all the employees were “out to

lunch” and gave me no further information about
the status of my vehicle. He did NOT offer a place
to sit down in the office or any hospitality, so I
walked back to town, and just sat at a park for a
while, and then went to Taco Bell for another
hour or so.
I still received NO PHONE CALL NOR TEXT
indicating that there was any reason for it taking
longer than he had initially indicated. Then
around 3 pm I walked back to the shop and sat
on a wall outside and Mr Cliff ignored my
presence. I really had NO IDEA if they were still
actually working on my van or not.
14
If they had found additional problems that
REQUIRED MY APPROVAL to fix or at least
that I should be INFORMED ABOUT , Mr. Cliff
indicated nothing as I sat there, NOR by phone
or text. NOR DID I OBSERVE ANY OTHER
CUSTOMERS WAITING FOR THEIR
VEHICLES.

If they did have other vehicles they were working

on, one can safely assume they were for local
people or businesses who did not have an urgent
repair need as I did. Nonetheless, I was being
respectfully patient , and wanted to GIVE THEM
THE BENEFIT of the DOUBT assuming they
would inform me of anything out-of-the-
ordinary. And since Mr. Cliff insinuated he was
doing the job as a FAVOR to me even though he
was very busy, I also wanted to BE
RESPECTFULLY APPRECIATIVE and give
them the time and space they needed to finish my
job as well as the other alleged work they had to
complete.

15
4) RETURNING TO THE SHOP TO PICK UP
MY VEHICLE ASSUMING IT IS READY, BUT
STILL NO CALL OR TEXT FROM MR. CLIFF
So I took a hike up to the viewpoint nearby and
spent another hour or so allowing time to pass.
Finally around 4 or 430 pm I felt I HAD to
interrupt and check the status of the work on my
vehicle. As I walked back up to the garage I
noticed one of their workers, a tall fellow, saw me
coming and suddenly turned quickly around about
as if he wanted to warn Mr. Cliff that I was
returning.

In the next few moments they either PUT ON

AN ACT that they JUST FINISHED the JOB, or
it honestly took them ALL DAY to do the work
(albeit I assumed they were simultaneously
working on the other alleged busy work they had
to complete as well).

NEEDLESS TO SAY, Just because the vehicle

was in the shop ALL DAY does NOT mean they
16
were WORKING ON IT ALL DAY. I WAS NOT
BORN YESTERDAY. Once again, they never
informed me face-to-face nor by text or phone or
any other means that there were ANY
ALLEGED complicating factors.

Nonetheless, Mr. Cliff at this time began

repeating that it took a ‘LOT OF WORK” to do
the job. I began to feel like I was being
HUSTLED AGAIN. After Mr Cliff & then also
the guy behind the desk repeatedly told me that it
was a “LOT OF WORK”, Mr Cliff quietly said ,
“So we had to add a bit to the final cost…” I had a
bad premonition that this was coming, and rolled
my eyes waiting for the additional amount they
were adding because it was a “LOT OF WORK” ,
as if I was a millionaire who could pay
WHATEVER.

By this time, all of the guys in the shop were

standing around me apparently trying to
intimidate me. I had NOT slept much last night.
17
I had walked around all day. I was tired. I
wanted to get going. They knew this as well. They
knew I was traveling. They saw my out-of-state
plate.
5) UPON RETURN, MR CLIFF &
ASSOCIATES REPEAT THAT IT WAS A
“LOT OF WORK” AND THEREFORE THE
FINAL COST IS NOW MUCH HIGHER. $429
dollars was ALREADY A LOT TO PAY for such
a job.
Then Mr. Cliff told me it WAS NOW $639
DOLLARS !! I groaned. I knew I was being
SCAMMED. I could NOT BELIEVE IT ! I had a
QUEASY FEELING this was going to happen,
but was HOPING AGAINST HOPE that it
wouldn’t. I did NOT BELIEVE it . I still do NOT
BELIEVE IT. I am in denial, but it’s true.

They had told me $429 and NEVER INFORMED

about any complications during the day. They
had NOT COMMUNICATED with me at all the
entire day. NOR did they take any photographs
18
of the ALLEGED COMPLICATIONS which
mentions in writing on the invoice something
about “coolant pipe frozen in water pump…” and
“ had to remove harmonic balancer to perform
repair. “ (later I looked this up and found a video
entitled “ HOW TO REMOVE ANY HARMONIC
BALANCE IN 5 MINUTES OR LESS”

6) ANALYZING MY OPTIONS IN A MATTER

OF SECONDS : Now I am standing there NOT
SURE what might happen IF IF REFUSE TO
PAY THE EXTRA AMOUNT. I knew they could
SABOTAGE MY VEHICLE (I’ve heard
stories) , or they could even call the police I
suppose, and make up a story that would get me
in trouble if I refused to pay the extra amount
(OR I COULD CALL the police on them, but
they typically would NOT handle something such
as this , calling it a “civil matter”. Thus, at the
moment, if they chose to be UNSCRUPULOUS,
they had the UPPER HAND. )

19
I FELT VERY UNCOMFORTABLE, even under
illegitimate duress given all that had transpired
and what I had observed during the day, as
mentioned above. ALL of this went through my
head in a matter of moments, and then I said,
“OK” , DESPITE FEELING LIKE THEY
WERE ROBBING ME. They were TWISTING
MY ARM , SO TO SPEAK. I knew NO
ALTERNATIVE AT THE MOMENT BUT TO
PAY & MAKE A CASE LATER.
PAYING THE HIGHER PRICE DESPITE
KNOWING I WAS BEING SCAMMED . SO I
TOOK A DEEP BREATH, PULLED OUT MY
CREDIT CARD, all the while feeling I was being
SCAMMED. I have NEVER in my 51 YEARS Of
living had an auto repair experience where there
were alleged complications & the original price
was increased without being informed DURING
the WORK and without my approval. It was
UNCONSCIONABLE !
7) LATER, I CONFIRMED MY SUSPICIONS
ABOUT BEING SCAMMED . I took it upon
myself to double-check the prices of the parts and
20
also called and asked other auto repair places for
their estimate to do the work. When I add up the
total of the parts that Mr. Cliff used it comes to
approximately $300 ($295.13 + $4.80 for
“hazardous waste”) .

However, I called various auto parts stores in

Madras (including O’Reilly’s , Car Quest, NAPA,
& Chappy’s) and asked for individual prices for
each part . Cliff’s water pump allegedly cost
$128 . The highest of the above-referenced other
parts stores in Madras charged $88 for a pump
with a lifetime warranty (O’reilly , ph#541-475-
2190).
If, in fact, Cliff’s used the higher-priced OEM
water pump, once again, he did NOT give me the
option as the paying customer to make the
choice ! And Josh (the guy behind the desk)
mentioned that he got the water pump from one
of the local auto parts stores (which one I do not
recall, but none of the above four mentioned
Madras auto parts stores offered me the option of

21
the higher-priced supposedly superior OEM
water pump) .

Cliff’s charged me $64 for a Tensioner

Assembly, but when I called the four above-
mentioned auto parts stores in Madras, the
highest price tensioner assembly was $44 . Once
again, why am I being charged $20 more for a
part that is $44 across-the-board at these nearby
auto parts stores, actually even as low as $39
dollars at NAPA (ph# 541-475-7214). I also called
a local AutoZone near me later & received the
same approximate lower prices than that which
Cliffs charged. If I used the lower-priced items
including the $88 waterpump with lifetime
warranty the parts price total ranges from as
LOW AS $169 to AT MOST, only $203 dollars
($100 less than Cliffs) .

NEXT, CLIFF’S AUTO charged me an

ASTRONOMICAL $340 DOLLARS for labor,
which the Capital One arbitrators can see for
22
themselves on the invoice. But when I called
other nearby MADRAS AUTO REPAIR SHOPS
I received the following quotes:
A) Tyson’s Auto repair quoted $225 for labor
(ph# 541-460-5083)
B) Cisco’s auto repair quoted $150 for labor
(ph#541-815-4047)
C) An independent auto repair guy (Zach
Weaver) recommended by an auto parts clerk
quoted a price of $212 for labor (ph#541-460-
0072) .
If you take any of the three above-mentioned
labor quotes by the auto repair stores also in
Madras and add them to the lower-priced parts
(as mentioned range from $169 to $203) , the final
price ranges from $319 at the lower level to $428
at the higher level.
IF removing the “harmonic balancer” can be
done as quickly as 5 minutes (see youtube video
at https://www.youtube.com/watch?v=_8yjWElx3c0&t=3s ) this would
NOT justify any increase in labor cost. As for the
COOLANT PIPE allegedly being “frozen in the
23
water pump” , I don’t find any “tutorials” about
such complications online. If their using the
word “frozen” as a synonym for “stuck” , it
STILL does NOT seem to legitimize a $200 dollar
increase in labor cost.
There are ALWAYS SMALL complications that
every decent mechanic knows how to handle with
a few improvizations in a matter of minutes ,
NOT HOURS ! I worked at a radiator repair
shop when I was a young man .
I observed and know that all decent mechanics
are able to improvise and have “workarounds”
for almost every situation. Even if the mechanics
at Cliff’s Auto are younger and perhaps less
experienced, and therefore did not have the prior
knowledge or experience to handle new
“complications” in a speedy manner, this sort of
“learning on the job” should not be passed on to
the customer as an “extra cost”, especially to the
amount of $200 dollars .
Every vehicle repair job comes with it’s own
unique difficulties as well as unique
24
conveniences. Do you imagine that CLIFF’S
ever gives a customer a LOWER PRICE if the
job turns out to be easier & shorter than they
anticipated. Nonetheless, the two ALLEGED
COMPLICATIONS do NOT LEGITIMIZE A
$200 INCREASE in labor. Based on ALL of the
above, I CONTEND that Cliff’s Auto treated me
dishonestly, and SOLELY FOR THE SAKE OF
EXTRA PROFIT.

I ACCEPTED a quote of $429 from Cliff’s at the

start of the day. In the LOWER LEFT-HAND
CORNER of the “invoice” provided to Capital
One by Cliff’s Auto THEY FALSELY CLAIM
that the “original estimate” was $639.99 . This is
ABSOLUTELY FALSE. If they had given me an
ORIGINAL ESTIMATE of $639 I would have
called another tow truck, and even waited another
day or two to get a FAIR & HONEST PRICE.

7A) CLIFF’S DID NOT EVEN DO DUE

DILIGENCE IN TERMS OF INVOICE DATA
25
ALL in all, just looking at the final invoice (which
is NOT the original quote that was on pink
paper) one can also see that they did NOT even
do DUE DILIGENCE in terms of entering the
odometer mileage, NOR the VIN # , NOR even
the license plate number. My guess, based on my
observations during the day is that at some point
they decided to STRETCH OUT THE REPAIR
JOB to SEEM LIKE it took all day, when it
actually probably did NOT.

7B) AUTO REPAIR “ESTIMATORS” SUCH AS

CONSUMER REPORTS INDICATE CLIFF’S
FINAL PRICE OF $639.99 WAS EXCESSIVE
Also, on one of many auto repair job
“estimators” , Consumer Reports (SEE
https://www.consumerreports.org/cars/repair/ )
indicates that replacement of a waterpump for a
2006 Ford Freestar should cost between $372-
$489 total. It itemizes labor as being between
$221-282, and parts between $151-207 . Cliffs
charged me $340 for labor , and $300 for parts ,

26
approximately $150 more than the highest
estimate, and approximately $270 more than the
lowest estimate, and once again $211 higher than
their original estimate, which they FALSELY &
DISHONESTLY OMIT from the invoice they
provided to CapitalOne .
And in reference to my quotes above from the
other auto repair shops in Madras , when I asked
for their estimates I included the need for
serpentine belt & tensioner assembly, which did
NOT seem to add much (in terms of labor) to
their final price.
(AAA estimator comes to $387.13 - $566.12 )
NAPA estimator also comes to $372 - $489)
Another estimator which includes the serpentine
belt comes to $422.87 (see
https://www.yourmechanic.com/estimates )

Based on local quotes from other mechanics as

well as these online estimators , EVERYTHING
INDICATES A FAIR PRICE OF ABOUT $400
TO THE VERY MOST, $500 . Cliff’s surpasses
27
this by $140 to $240 dollars , which may NOT
BE MUCH for a millionaire but for a Christian
evangelist on a budget, it is a substantial amount.

Furthermore, Madras Oregon has a median

income of $40,000 (see
https://www.bestplaces.net/economy/city/oregon/
madras , and therefore slight or moderate
regional auto repair differences based on socio-
economics would usually indicate an average or
slightly below-average price, rather than
excessively above-average. This is why the online
estimators also ask for zip code .

That is to say, if I was in San Franciso, one of the

highest cost-of-living regions in the country
(around $78,000 ) , one would expect an above-
average cost because the auto repair shop has
above-average costs of rent, wages, etc. Thus, for
example, while the NAPA auto repair estimator
for Madras Oregon gives an estimate of $372-489,
the same job in San Francisco is estimated at
28
$481-628 . While I am “from California” (albeit
originally from Michigan) but NOT from San
Francisco , I am getting charged more than the
higher-end of the San Francisco estimate. And
yet, Cliff’s Auto has MUCH LOWER COST-of-
LIVING in Madras , Oregon.

8) IN ADDITION TO THE EXCESSIVE COST,

I LEFT FEELING AS IF I HAD BEEN
MISTREATED & CHEATED, CONTRARY
TO THE NORMS OF GOOD CITIZENSHIP &
CIVIL SOCIETY. Finally, it’s NOT just the
EXCESSIVE PRICE that bothers me, albeit this
DEFINITELY impacts my ministry budget and
certain aspects of which will have to be curtailed
for a while , but it LEAVES ME FEELING
WOUNDED & disrespected.
I feel like they took advantage of my
emergency predicament, knowing I had NO
ALTERNATIVE , AFTER-THE FACT !!!

29
 I am NOW 51-YEARS-OLD, & based on my
years of traveling and various automotive repairs
along the way here & there I INTUITIVELY
KNOW a decent or fair price AS OPPOSED TO
EXTORTION ( other words that come to mind
include: profiteering, unethical, unscrupulous,
exploitation, price-gouging, greedy,
unreasonable, dishonest, rotten, preposterous,
exorbitant, & yes, even corrupt, among others),
and IN THIS DAY & AGE OF INTERNET &
SMART PHONES, WE CAN ALL DO DUE
DILIGENCE IN TERMS OF CALCULATING A
FAIR PRICE. I agreed at the time, based on my
judgment, to a price of $429.

And I have verified ex post facto, that $429 is a

fair price, even if, perhaps, a bit above average,
but $639 is ROBBERY ! Cliff’s Auto should be
ASHAMED OF THEMSELVES and do the right
thing voluntarily of their own volition and make
a refund of $200 .

30
I ask that Mr. Cliff, be a REAL AMERICAN
MAN and treat others with HONESTY,
RESPECT, INTEGRITY, & FAIRNESS, the
same way which you wish to be treated. I don’t
know if there was some sort of “prejudice” or
bias based on something they inferred about me.
It does not seem to be a matter of race or skin
color or some other form of discrimination
because I am also “white” (as were all the
workers in this shop), nor am I gay. I am
heterosexual.

But if it was based on any misperception of race,

or skin color, or anything else, it would be even
more unconscionable. I assume it is just
greed, and the assumption they could
get away with it because I am from
“far away” and have no other options
at the moment.

31
I, JOHN DOE (name changed for privacy/safety )
DECLARE THAT ALL OF THE ABOVE IS
SUBMITTED IN GOOD FAITH BASED ON
INFORMATION & FACTS

____________________
JOHN DOE (BA/BA/M.DIV)
DATED: 8/13/18

ATTACHED BELOW: MY COPY of the

INVOICE & RECEIPT WHICH ALSO SHOWS
A FALSE “ORIGINAL ESTIMATE” IN THE
BOTTOM LEFT CORNER, AS WELL AS
FALSELY CLAIMS “ZERO REVISIONS” ,
CONCURRING with the COPY PROVIDED BY
CLIFF’S AUTO REPAIR

BELOW ARE IMAGES OF THE RECEIPT

& INVOICE WHICH I WAS PROVDED BY
CLIFF’S AUTO AT THE TIME OF
TRANSACTION, which is identical to the
32
one submitted by Cliff’s Auto Repair, which
is identical to the one submitted by Cliff’s
Auto to Capital One. However, Cliff’s Auto
DISHONESTLY states that the “original
estimate” was $639.99 (have you ever
heard of an original estimate being
so precise ? )
It SPEAKS FOR ITSELF (res ipsa
loquitur), and NO REVISIONS, despite the
extra work required due to the alleged
complications? As discussed above, the
original estimate was handwritten as $429 on
a pink piece of paper which was NOT
included by Cliff’s Auto to Capital One, and
a copy of which was NOT given to me at the
time.

33
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