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Consumoteca Blog

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

Overbooked Flight Compensation Under EU Rules

Overbooked Flight Compensation Under EU Rules

Understand your rights to fixed compensation and care under EU Regulation 261/2004 when denied boarding on an overbooked flight, including eligibility, exceptions, and claim steps from the operating airline.

Envato Market Refund Policy: Limits from the User Terms

Envato Market Refund Policy: Limits from the User Terms

Envato Market refund conditions from the official User Terms: no refunds after 180 days for supported items or 30 days for others. Check eligibility for digital purchases before requesting.

Supervigilancia Private Security Consumer Complaints in Colombia

Supervigilancia Private Security Consumer Complaints in Colombia

Learn how Colombian consumers can address complaints against Supervigilancia under Ley 1480 of 2011 via the Superintendencia de Industria y Comercio (SIC), including service quality issues and complaint filing steps.

Claiming Flight Bump Compensation in Colombia: Steps Under RAC 3 Rules

Claiming Flight Bump Compensation in Colombia: Steps Under RAC 3 Rules

Understand denied boarding compensation rights in Colombia under RAC 3 Numeral 3.10, including 30% ticket value entitlement, and the steps to claim from airlines or Aerocivil.

Bank Transfer Speeds in Colombia: Bre-B Instant vs Traditional Interbank vs International Transfers

Bank Transfer Speeds in Colombia: Bre-B Instant vs Traditional Interbank vs International Transfers

Compare processing times for Colombian bank transfers: same-bank immediate, Bre-B interbank in seconds, traditional interbank up to 12-48 hours, and international transfers with separate workflows. Based on major bank disclosures.

Amazon Delivery Delays in Colombia: Rights Under Ley 1480/2011

Amazon Delivery Delays in Colombia: Rights Under Ley 1480/2011

Colombian consumers facing Amazon delivery delays: Understand protections under Ley 1480/2011 (Estatuto del Consumidor), including post-delivery retracto, provider response timelines, and escalation to SIC. Merchant policy and next steps explained.

Handling Unauthorized Charges on Credit Cards in Colombia

Handling Unauthorized Charges on Credit Cards in Colombia

Overview of the Colombian consumer protection framework relevant to disputing unauthorized credit card charges, including key authorities like SFC and SIC, bank complaint procedures, and rules that do not apply.

How to Report Unauthorized Transactions in Colombia Under SFC Guidelines

How to Report Unauthorized Transactions in Colombia Under SFC Guidelines

Learn how to report unauthorized EFT/debit transactions in Colombia per Superintendencia Financiera de Colombia rules and bank policies like Bancolombia's fraud reporting process. Key steps and what does not apply.

PayPal.com US Account Eligibility Under PayPal User Agreement

PayPal.com US Account Eligibility Under PayPal User Agreement

US PayPal account eligibility requirements from the PayPal User Agreement. Review residency and age rules for US users.

What FOGAFIN Does in Colombia

What FOGAFIN Does in Colombia

FOGAFIN administers Colombia's deposit insurance system under Ley 117 de 1985, protecting eligible deposits up to a limit per depositor per inscribed financial entity if the Superintendencia Financiera de Colombia initiates liquidation.