Consumers well informed

Consumoteca Blog

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

Chargeback Pre-Arbitration: Visa and Mastercard Processes, Timelines, and Merchant Options

Chargeback Pre-Arbitration: Visa and Mastercard Processes, Timelines, and Merchant Options

Understand chargeback pre-arbitration for merchants: definitions, Visa vs. Mastercard processes, response timelines, fees, and decisions to accept or escalate disputes before arbitration.

How to Report Counterfeit Products on Amazon, eBay, Instagram, Alibaba, and Temu (2026 Guide)

How to Report Counterfeit Products on Amazon, eBay, Instagram, Alibaba, and Temu (2026 Guide)

Step-by-step guide for buyers seeking refunds and brand owners protecting IP: Report counterfeit products on Amazon, eBay, Instagram, Alibaba, Temu, plus escalation to U.S. CBP. Evidence collection and platform tools explained.

Counterfeit Goods: $1.7 Trillion Global Crisis and US Seizures Hitting $502 Million in April 2025

Counterfeit Goods: $1.7 Trillion Global Crisis and US Seizures Hitting $502 Million in April 2025

Discover the $1.7-4.5 trillion scale of counterfeit goods in global trade, EU imports at $117 billion, and US seizures hitting $502 million in April 2025. Learn common fakes, buyer trends, and risks for savvy shoppers.

Chargeback Arbitration: Process, Evidence, Costs & When Merchants Should Pursue It

Chargeback Arbitration: Process, Evidence, Costs & When Merchants Should Pursue It

Discover what chargeback arbitration is, the full dispute workflow including pre-arbitration, key evidence requirements, costs for merchants, and strategies to decide when to fight or fold in credit card disputes.

Fake Reviews in 2026: Laws, Detection, and How to Spot Them Before You Buy

Fake Reviews in 2026: Laws, Detection, and How to Spot Them Before You Buy

Discover what fake reviews are, their 30-40% prevalence impacting billions in spending, key FTC and UK DMCC laws, Amazon's blocking of 275 million fakes, and tips to spot them while shopping online in 2026.

Dispute Denied Appeal: Steps for Credit Report and Credit Card Disputes in 2026

Dispute Denied Appeal: Steps for Credit Report and Credit Card Disputes in 2026

Denied credit dispute? Learn appeal steps, timelines under the Fair Credit Billing Act and FCRA, and next actions for U.S. consumers facing credit report errors or card charge denials. Guide for 2026.

Representment Evidence: Essential Guide for Merchants Fighting Chargebacks in 2026

Representment Evidence: Essential Guide for Merchants Fighting Chargebacks in 2026

Discover what representment evidence is, Visa CE 3.0 requirements, best practices for gathering and organizing proof like IP data and historical transactions, and how to submit effectively to win chargeback disputes.

Facebook Marketplace Scams to Watch for in 2026: Red Flags and How to Stay Safe

Facebook Marketplace Scams to Watch for in 2026: Red Flags and How to Stay Safe

Discover the most common Facebook Marketplace scams in 2026, including payment upgrades and overpayments, with stats on rising losses and practical steps for buyers and sellers to avoid them.

Chargeback for Friendly Fraud: Definition, Trends, and Merchant Prevention in 2026

Chargeback for Friendly Fraud: Definition, Trends, and Merchant Prevention in 2026

Understand friendly fraud chargebacks in 2026: definition, why they're surging (72% merchant increase), and prevention strategies like Visa CE 3.0 for e-commerce owners and payment processors.

7 Proven Scam Prevention Strategies to Protect Your Money in 2026

7 Proven Scam Prevention Strategies to Protect Your Money in 2026

Discover how to recognize and prevent common scams like imposter calls, phishing emails, gift card fraud, and tech support tricks. Essential tips for US consumers, seniors, and small business owners backed by FTC and BPI data on $10B+ losses.