Consumers well informed

Consumoteca Blog

Practical guides on refunds, chargebacks, scams, privacy and consumer protection — in plain English.

Montana Insurance Department Complaint Process

Montana Insurance Department Complaint Process

Learn how to file insurance complaints with Montana CSI for coverage issues, claims, premiums, and more after contacting your insurer.

Costco Return Policy Exceptions (Reported)

Costco Return Policy Exceptions (Reported)

Understand Costco's reported U.S. return policy exceptions for electronics and diamonds, with practical steps to prepare for returns.

Ally Bank Zelle Scam Refund Policies

Ally Bank Zelle Scam Refund Policies

Ally Bank Zelle scam victims: check pending payments, know policies, and prepare next steps for reporting fraud.

Amazon Price Adjustment Policy Explained

Amazon Price Adjustment Policy Explained

Understand Amazon's limited post-purchase price adjustment options for U.S. buyers and know how to contact customer service.

Affirm Merchant Refund but Installments Still Due?

Affirm Merchant Refund but Installments Still Due?

Learn how Affirm handles merchant refunds separately from BNPL installments and know what to do next to dispute.

Cash App Unauthorized Transaction Dispute: U.S. Rules

Cash App Unauthorized Transaction Dispute: U.S. Rules

Learn how to report and dispute unauthorized Cash App transactions under EFTA/Regulation E rules.

American Express Credit Card Billing Error Disputes Under FCBA

American Express Credit Card Billing Error Disputes Under FCBA

Learn what counts as American Express billing errors under FCBA, what doesn't, and next steps to dispute.

United Airlines Refund Denied: U.S. Rules and Next Steps

United Airlines Refund Denied: U.S. Rules and Next Steps

Understand U.S. DOT rules on United Airlines refunds for cancellations, common denials, and next steps if denied.

Lyft Cancellation Fee Disputes for U.S. Users

Lyft Cancellation Fee Disputes for U.S. Users

Learn how to dispute Lyft cancellation fees via app support, know what controls them, and prepare your next steps for U.S. users.

Hawaii Insurance Division Complaint Process

Hawaii Insurance Division Complaint Process

Learn how to contact Hawaii Insurance Division for complaints against licensed insurers and prepare your evidence.