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Elliott Report

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Fair Credit Billing Act

Credit card cloning diagram showing shimming device inside card reader

Travel warning: Credit card cloning is back, but here’s how to stop it

April 18, 2026April 17, 2026 by Christopher Elliott

If you thought your new credit card and a fancy RFID-blocking wallet will protect you from credit card scams when you travel, I’ve got some bad news for you.

Categories Safe Travels
When Mike Welden returned his Budget rental car after his Palm Springs vacation, he thought he was done with the car. The retired social worker had enjoyed a pleasant two-week trip through California without incident. But Budget wasn't done with him. Three weeks later, Welden's credit card got dinged with a $450 cleaning fee. The company claimed their vehicle reeked of cigarette smoke.

Budget hits non-smokers with a mysterious $450 cleaning fee. Do they have to pay?

April 14, 2026April 14, 2026 by Christopher Elliott

When Mike Welden returned his Budget rental car after his Palm Springs vacation, he thought he was done with the car. The retired social worker had enjoyed a pleasant two-week trip through California without incident.

Categories Advocacy
When Paul Avron’s daughter surprises him with Coldplay tickets, he expects a memorable night out. But as the concert approaches, the tickets still haven’t arrived, and StubHub’s FanProtect guarantee seems to vanish. Can they get their money back?

StubHub charged me $3,300 for Coldplay tickets I never received — can I get my money back?

April 9, 2026April 9, 2026 by Christopher Elliott

When Paul Avron’s daughter buys Coldplay tickets from StubHub, she expects a memorable night out. But as the concert approaches, the tickets still haven’t arrived, and StubHub’s FanProtect guarantee doesn’t work. Can she get her money back?

Categories Destinations
Your credit card isn't as safe as you think when you travel

Your credit card isn’t as safe as you think when you travel. Here’s the fix.

March 20, 2026March 20, 2026 by Christopher Elliott

Eric Finkel thought he’d dodged a bullet on a recent visit to Vietnam. His hotel “accidentally” charged his credit card $1,500 instead of the correct amount of $66. The staff immediately cancelled the erroneous charge right in front of him. 

Categories Safe Travels
When Joanne Smikle made a $1,000 payment on her Chase credit card bill, she assumed the transaction had gone through. The money left her Tower Federal Credit Union account. Chase credited the payment. Everything looked normal.

Chase made my $1,000 payment vanish into thin air — how do I get it back?

March 5, 2026February 24, 2026 by Christopher Elliott

When Joanne Smikle made a $1,000 payment on her Chase credit card bill, she assumed the transaction had gone through. The money left her Tower Federal Credit Union account. Chase credited the payment. Everything looked normal.

Categories Advocacy, Popular
Joanne Pantaleo thought her pricey high-frequency wand would grow hair, not headaches. After the gadget died, the merchant vanished, and American Express sided with the fraudsters. Is she stuck with a broken gadget?

Beware the Vortex! How a $197 hair gadget sparked a three-month fight with American Express

March 5, 2026February 19, 2026 by Christopher Elliott

Joanne Pantaleo thought her pricey high-frequency wand would grow hair, not headaches. After the gadget died, the merchant vanished, and American Express sided with the fraudsters. Is she stuck with a broken gadget?

Categories Problem Solved
marriot hotel issues

Marriott closed my hotel but kept my money — and offered gift cards instead

February 23, 2026February 3, 2026 by Christopher Elliott

When Jason Hanna prepaid $525 for a weekend at the Four Points by Sheraton LAX, he expected to stay at the Four Points by Sheraton LAX.

Categories Advocacy
Teresa McGee thought she'd done everything right before her flight from Detroit to Charlotte. But she never expected American Airlines to not do everything right.

She showed up two hours early for her flight. Why did American Airlines cancel her ticket?

December 26, 2025December 15, 2025 by Christopher Elliott

Teresa McGee thought she’d done everything right before her flight from Detroit to Charlotte. But she never expected American Airlines to not do everything right. 

Categories Advocacy, Popular
When Iberia Airlines canceled Olga Betzler's flight from Barcelona to Los Angeles, she assumed getting her $654 refund would be straightforward

When an airline refuses to refund you $654, this could be the reason

November 24, 2025November 24, 2025 by Christopher Elliott

When Iberia Airlines canceled Olga Betzler’s flight from Barcelona to Los Angeles, she assumed getting her $654 refund would be straightforward.

Categories Advocacy
After a stay at Holiday Inn Express, Millie Crawford was surprised to find a $59 charge for a damaged lamp she says she never touched. With conflicting stories from hotel staff and no clear evidence, she escalated the dispute, filed a chargeback—and won. Here’s how travelers can fight back against bogus hotel damage fees.

Holiday Inn surprise charge: a $59 bill for a lamp I didn’t damage!

November 24, 2025November 17, 2025 by Christopher Elliott

Millie Crawford didn’t think much about the lamp in her Holiday Inn Express room. Not until a $59 charge appeared on her credit card days after she checked out. 

Categories Advocacy
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