CHARGEBACK

Cartoon of a glum man standing alone outside a packed UFC arena as crowds stream past him to the entrance, illustrating a fan shut out of an event he paid for but could not attend.

StubHub’s FanProtect guarantee fails: The $4,606 ticket he never got

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Roland Nazariyan paid $4,606 to see a UFC fight, and he missed the main event. He had ordered three tickets through StubHub on the day of the fight, and when none of them arrived in time, he called the platform. It refunded the first two orders after he sent screenshots showing the tickets were never delivered. The third and most expensive order sat in limbo, marked as in final escalation, and then came back denied: a seller had claimed the ticket was transferred, and StubHub told him he had never even contacted the company about it, despite its own emails in the thread asking him for proof. Here is the standard worth holding any reseller to before you accept a denial like this. StubHub’s FanProtect guarantee promises that you will get your tickets in time for the event, and if not, comparable or better tickets or your money back. A guarantee, in other words, is only as good as a company’s willingness to honor the words it is built on.

Illustration of an unhappy woman holding up two pale blue dresses on hangers over an open cardboard shipping box, preparing to return the gowns she ordered online.

I returned $3,990 in designer dresses — then my refund vanished

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Debbie Rivet ordered the same evening gown from the London designer Safiyaa in two sizes, the Serendipity Pale Blue Long Dress at $1,995 each, planning to keep whichever fit and send back the other. When the dresses arrived, the fitted style was wrong for her occasion, so she requested a return authorization, shipped both back by FedEx, and kept the receipts proving delivery. Then she waited for her refund. And waited. Her follow-up emails went unanswered, the phone line dropped to voicemail and disconnected, and when she filed a dispute with Capital One the bank reversed its initial credit, saying too much time had passed. There is a rule worth committing to memory before you give a silent company the benefit of the doubt: under the Fair Credit Billing Act, you generally have only 60 days from the statement date to dispute a charge in writing, and the longer you wait for a reply that may never come, the closer that protection slips toward expiring.

Stylized illustration of a distressed traveler clutching his chest in front of a palm-lined hospital as medical staff wheel a patient on a gurney toward the entrance, evoking a vacation cut short by a family emergency.

The hotel refunded his money, but the booking site kept it anyway

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When John Moss’s stepfather was rushed to the hospital, he knew his Florida vacation was over before it started. He contacted Traveluro, the site where he had booked a nonrefundable $615 stay at the Hilton Melbourne Beach, and sent hospital records proving the family emergency. The hotel understood and agreed to cancel without penalty, releasing the money back to the booking site. All Traveluro had to do was pass it along. Instead, weeks of silence followed, until Moss filed a dispute with his credit card company and Traveluro suddenly made him an offer: drop the dispute, and we will send your refund. Here is what every cardholder should understand before saying yes. A credit card dispute freezes the transaction while your issuer investigates, which means the merchant cannot touch the money until the matter is resolved. That is real, tangible leverage, and a company asking you to give it up in exchange for a promise is asking you to trade the one protection the law puts on your side.

Black and white editorial cartoon of an alarmed man at a desktop computer as a hand reaches out of the monitor screen and snatches cash from in front of him, illustrating online booking scams that drain travelers' money.

Are travel companies doing enough to protect your booking data?

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The message arrives by WhatsApp and feels completely real, because it is built from real information: your hotel, your dates, your confirmation number. Someone claiming to manage the property warns that your room is at risk unless you verify your card right away. Security researchers call this reservation hijacking, a targeted phishing scheme that leans on details only you and your hotel should know. The data has to come from somewhere, and the travel industry keeps springing leaks, with booking platforms, cruise lines, and airlines all disclosing breaches that mostly trace back to a third party rather than the company’s own front door. Which raises the question travelers can no longer avoid: when a company collects your whole itinerary and a leak in its network turns that data into a weapon aimed at you, who is responsible for what happens next?

Illustration of a worried man on the phone holding a credit card while a concert crowd watches performers on stage, representing a StubHub ticket refund dispute.

This StubHub rep’s “help” with Coldplay tickets cost me $3,000!

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Paul Avron’s daughter bought three Coldplay tickets at Hard Rock Stadium in Miami for $1,027, nine months before the show, as a birthday gift for her best friend and the friend’s dad. On the day of the concert, the StubHub app said the tickets were being released, but they never appeared. With the show already starting, the family called StubHub in a panic and asked for the tickets or replacements so the group could get in. The last representative refused to provide replacement tickets and said they had to buy new ones, promising StubHub would refund the original $1,027. The rep said he saw three tickets for just $1 more than the original purchase and sent a link. The tickets were actually $1,000 each, and StubHub charged the credit card $3,000. The family disputed the charge with their credit card company and contacted StubHub directly, but both representatives said they would not credit the account. The family never accepted or used the expensive tickets and never attended the concert. StubHub’s FanProtect Guarantee promises valid tickets or your money back, and says StubHub will find comparable replacement tickets when possible.

So long, Spirit Airlines. Should the government have saved you?

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Spirit Airlines has begun an orderly wind-down of operations, effective immediately. Every flight has been canceled and customer service is closed. The shutdown comes after the Trump administration’s $500 million rescue plan, which would have given the federal government an unprecedented 90 percent stake in the carrier, fell apart over the weekend. After blocking Spirit’s merger with JetBlue on antitrust grounds in 2024, the federal government spent the past several days weighing whether to essentially own the airline instead. In the end, it did neither, leaving summer ticket holders to fight their credit card companies for refunds.

Editorial illustration of an elderly man standing alone at the bright orange wooden door of a blue-toned classic French apartment building with wrought iron balconies, depicting Alan Nathan waiting for his missing luggage in Neuilly-sur-Seine after Luggage Forward and FedEx claimed phantom delivery

Luggage Forward promised to deliver my luggage. Instead, it delivered disappointment!

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Alan Nathan paid Luggage Forward $1,400 to ship four bags from Sonoma, California to Neuilly-sur-Seine, France, including his wife’s critical medical equipment. The premium service offered an on-time guarantee promising double the shipping fee for late deliveries. The shipping company asked for documents showing arrival into Ireland despite the clearly stated French address. FedEx then marked the bags as delivered and signed for by someone named Lou Ann, but Nathan’s building has no front desk and the concierge confirmed no contact from any delivery driver.