REGULATION E Archives

Carolyn Hoke's anticipation for a serene seven-night river cruise from St. Louis to Minneapolis with American Queen Voyages turned into a prolonged ordeal of frustration and uncertainty. After the unexpected cancellation of her cruise in November 2022, Carolyn found herself ensnared in a seemingly endless wait for a refund of $10,126. Despite her persistent efforts, including calls to the company, escalations to the accounting department, and complaints to the Florida Division of Consumer Service, the refund remained elusive. As she navigated the maze of customer service apologies and bureaucratic dead ends, the ominous shadow of the company's potential bankruptcy loomed large, threatening to engulf her hopes of reclaiming her hard-earned money. This tale of perseverance against the tides of corporate negligence unfolds as Carolyn, with the help of consumer advocacy, confronts the daunting challenge of securing her refund from the brink of a collapsing cruise line.

Help! American Queen Voyages canceled my cruise but kept my $10,126

March 21, 2024March 1, 2024 by Christopher Elliott

Carolyn Hoke has been waiting more than a year for her refund from American Queen Voyages for a canceled cruise. Why is it taking so long — and how can she speed up the process?

When Patricia Peticolas received an urgent call from Chase Bank warning her that someone had stolen her identity on Zelle, she wanted to do everything she could to help.

Chase said her identity had been stolen, but it was a Zelle callback scam

January 21, 2025August 10, 2023 by Christopher Elliott

When Patricia Peticolas received an urgent call from Chase Bank warning her that someone had stolen her identity on Zelle, she wanted to do everything she could to help.

Learn how to navigate and recover from Zelle mistakes, including sending funds to the wrong person, through effective dispute processes and timely actions.

Sent money to the wrong person through Zelle? Here’s how to get it back

June 26, 2024May 28, 2023 by Christopher Elliott

Chuck Brown sent money to the wrong person through Zelle. Will he ever get it back?

Zelle, a peer-to-peer payment app, is under fire for enabling fraudulent transfers between customers and scammers. Here's how to avoid falling for a Zelle scam.

How to get your money back from a Zelle scam or accidental money transfer

October 31, 2024August 8, 2022 by Christopher Elliott

Zelle, a peer-to-peer payment app, is under fire for enabling fraudulent transfers between customers and scammers. Here’s how to avoid falling for a Zelle scam.

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