Just played this person and I had 3minutes advantage when all of a sudden it changed to a .68 seconds and we ended in a draw since he had insufficient material but am so disappointed that people are able to cheat the clock or chess.com is adjusting the time delay unfairly.

I'd be so upset if I lost like that as black -.-

@Eopithecus

It is technically possible to cheat the clock in live chess. 

The only debate is, are there any chess.com members with the technical acumen to purchase and install a $20 piece of software.

I don't "cheat the clock" but when I see that, even though I'm clearly losing very badly, I have a shot at winning because my opponent's time is running out, I'll definitely see if I can survive until the clock runs out and I win!

This has happened to me in half hour games before. I don't PLAN for this to happen; that would, besides being not fun and kind of unethical, be silly, stupid, and unbeneficial for me. But if my opponent has taken too long, too bad! There's a clock for a reason.

It doesn't matter whether black is bad enough to play his rook and king that way, white has sufficient material.

If white is going up the board and black is going down, and it is blacks move, Black is in a checkmate position.

Aside from the clock. It is Checkmate.

The Knight is checking the black king and it can't move any where.

@IM pfren

It is impractical for Chess.com to implement FIDE article 10.2 (similar to the USCF's "Insufficient losing chances" rule).  Therefore, they have identified conditions that they believe would meet 10.2 and have labeled them as insufficient material.  It's not perfect, but it is a reasonable compromise.

That is just FIDE opinion same as chess.com opinion.

However i do prefer it as it is on other online chess places, running out of time should be a loss.BTW if your clock suddenly changed it means your computer is having lag to the chess.com server so its either on your end(lousy connect) or chess.com server too busy, make sure your connection is well greased to minimize this nonsense(chess.com should autodetect that it isnt connected to you and freeze your clock, its unfair to run the clock when you dont know its your move or whatnot)

All of this 'rules" debate is irrelevant, Black was clearly winning, but allegedly lost 3 minutes; I'm interested in how that could have happened; is it possible to cheat the clock?

(@cheating the clock)No it isnt. There is no way for your opponent to do this. 

...in which case the OP should contact Staff and report the issue.

The literal interpretation of what you just wrote indicates if his opponent WAS cheating, he should not report it? Just sayin 

Thanks to you all for the comments and suggestions,and lets play, chess the best mind game.

I have an impeccable internet speed.  Never lose internet connection.  However, recently there have been several bullet games that I have lost at the end of the game because of odd time lags.  It only occurs at the end of a game, and always when my opponent is losing on time or material.  I have heard the debate go back and forth between the impossible to the possible in regards to people using time management programs to help them in live chess.  If the parameters were different, if I intermittedly lagged, or occassionally lost connection, or if I was losing and the time suddenly spiked I would assume it was just bad luck, poor internet, or lag from the server.  However, it ONLY happens when I am winning either on time or material, and at the end of the game.  Suddenly I go from having 30 seconds on the clock to having 0.  And the time lapse isn't thirty seconds either.  Perhaps a time lag of 10 to 15 seconds.  There must be a program that people can use that artificially changes the clock.

There are but in the past players who mention them by name get banned.

Thank you cookiemonster for supporting my argument and clearly explaining what  exactly takes place in such occasions,it is really disappointing to lose a game this way.I hope chess.com will have a look at this phenomenom.

hi  cookie  monster me  too ALWAYS  BUT  ALWAYS  when  in  a  winning  position  I  get ' spiked ' game  stops and  then when it  finally restarts  i am  down to single  seconds  or  zero . Or  when  opponent  has  to think   he gets  a  time  out in  awkward  positions   yes  its real and  chess.com  must  know about  it and  I assume  are trying to  resolve  with  their  down time  on servers  of  late ...be nice  for them  to say  yes its a  problem.