Consumers well informed

Consumoteca Blog

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

Cigna State Insurance Department Complaints

Cigna State Insurance Department Complaints

How to file a state insurance complaint against Cigna in 2026 and when to use the DOI escalation path.

PNC Bank Temporary Credit During Disputes Explained

PNC Bank Temporary Credit During Disputes Explained

Understand how PNC Bank issues provisional credit for debit and credit card disputes under federal law.

Navy Federal Billing Error Letter Evidence Checklist

Navy Federal Billing Error Letter Evidence Checklist

A guide for Navy Federal members on disputing credit card billing errors using the Fair Credit Billing Act (FCBA).

Costco Damaged Product Delivery: Refund and Return Rules

Costco Damaged Product Delivery: Refund and Return Rules

Learn how to handle damaged Costco.com deliveries using the satisfaction guarantee and federal consumer protections.

JetBlue Lost Baggage Claim Process: Rules and Limits

JetBlue Lost Baggage Claim Process: Rules and Limits

Understand the JetBlue lost baggage claim process, U.S. DOT liability limits, and how to file for compensation.

FDCPA Debt Collector Harassment Rights: 2026 Guide

FDCPA Debt Collector Harassment Rights: 2026 Guide

Understand your rights under the FDCPA and Regulation F to stop debt collector harassment as of 2026.

Booking.com Host or Hotel Cancelled Refund: U.S. Guide

Booking.com Host or Hotel Cancelled Refund: U.S. Guide

Steps for U.S. consumers to secure a refund after a host or hotel cancels a Booking.com reservation.

Regulation E Provisional Credit Timeline: 2026 Guide

Regulation E Provisional Credit Timeline: 2026 Guide

Understand the 10-day and 45-day deadlines for Regulation E provisional credit and bank error investigations.

Travel Insurance vs. Airline Refund: U.S. Consumer Rights

Travel Insurance vs. Airline Refund: U.S. Consumer Rights

Learn the difference between U.S. DOT airline refund mandates and private travel insurance coverage in 2026.

Uber Eats Cancellation Fee Dispute: How to Request a Refund

Uber Eats Cancellation Fee Dispute: How to Request a Refund

Learn how to dispute an Uber Eats cancellation fee through the app or your bank in 2026.