Christopher Elliott

Christopher Elliott is the founder of Elliott Advocacy, a 501(c)(3) nonprofit organization that empowers consumers to solve their problems and helps those who can't. He's the author of numerous books on consumer advocacy and writes three nationally syndicated columns. He also publishes the Elliott Report, a news site for consumers, and Elliott Confidential, a critically acclaimed newsletter about customer service. If you have a consumer problem you can't solve, contact him directly through his advocacy website. You can also follow him on X, Facebook, and LinkedIn, or sign up for his daily newsletter.
Editorial cartoon illustration of an exasperated young man with messy brown hair and large round glasses looking upward in defeat while surrounded by towering stacks of white paper documents piled high on both sides and in front of him, illustrating the frustration of repeatedly submitting the same documents to a travel insurance company that refuses to process the claim

Why is my insurance company asking for the same documents over and over and over?

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John Christensen developed Deep Vein Thrombosis after his flight from Albuquerque to Auckland. He spent three days hospitalized in New Zealand and racked up $3,867 in medical bills before filing his Allianz Global Assistance travel insurance claim two weeks later. Five months passed while Allianz repeatedly asked for documents he had already submitted multiple times, with the claim status cycling back to “more information needed” without explanation. Most state insurance regulations require insurers to acknowledge claim receipt within 15 days and approve or deny within 30 to 45 days of receiving complete documentation. State insurance commissioners handle consumer complaints when insurers delay payment without specific explanation.

Editorial illustration showing four silhouetted figures with their hands raised to their heads in confusion or doubt, standing on concentric ring patterns and looking up at a large dark-blue globe of Earth with a giant white question mark hovering in front of it, illustrating how travelers are increasingly questioning the recommendations of professional travel experts in an age of paid influencers and commission-driven advice

Travelers are ignoring the advice of professionals. Here’s why that could be a mistake.

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Travelers are increasingly skeptical of professional advice, ignoring travel agents who collect commissions, influencers paid by destinations, and points bloggers earning kickbacks from credit card companies. A Global Rescue survey shows 85 percent of travelers are concerned about geopolitical instability yet proceed with their plans despite the risks. Cautious skepticism is healthy when evaluating tourism-engine search results and influencer endorsements that dominate Google’s first page. But ignoring U.S. State Department advisories at Level 3 reconsider travel or Level 4 do not travel can lead to serious consequences. The chief medical officer at AXA Partners US says many travelers contract serious diseases and traumatic injuries in risky locations that were easily avoidable by following government advisories.

Editorial illustration showing a single white airplane taking off down a runway between two large fields of grounded yellow Spirit Airlines aircraft on either side, viewed from behind, illustrating how thousands of Spirit Airlines passengers were left stranded after the carrier's shutdown while one rescue flight departs without them

Spirit Airlines’ death shows why we need better passenger protections

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Tens of thousands of Spirit Airlines passengers discovered their tickets were worthless this week after the carrier collapsed. JetBlue is reportedly in financial distress and several ultralow-cost carriers including Frontier, Allegiant, and Avelo have lined up at the federal aid window. Before deregulation in 1978, Rule 240 required airlines to put stranded passengers on a competitor’s next available flight at no extra cost. Congress brought a version back as Section 145 of the Aviation and Transportation Security Act after 9/11, but it expired in 2005. The DOT issued Order 2026-5-1 encouraging rescue fares but cannot compel airlines to honor competitor tickets without congressional action.

Editorial illustration of a couple standing on a dark airport tarmac with two orange roller suitcases, watching from a distance as a fiery orange and yellow explosion cloud rises into the blue sky beyond, with a small white airplane visible on the horizon, illustrating the uncertainty of booking summer vacation travel during an active geopolitical conflict in the Middle East

Is it safe to book a summer vacation yet?

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The U.S. and Iran are reportedly close to a deal that would end the war, lift sanctions, release frozen Iranian funds, and reopen the Strait of Hormuz. Travel companies say the worst is priced in. Airbnb expects second-quarter bookings to drop one percentage point across Europe, the Middle East, Africa, and Asia Pacific. Booking Holdings cut its full-year revenue forecast through June. Iranian lawmakers called the U.S. proposal a wish list. Before booking, check State Department advisories at Level 3 or Level 4, examine flight routes for airspace closures, buy cancel-for-any-reason insurance, and pay only with a credit card.

Editorial illustration showing a thin man with brown hair and round glasses standing with arms crossed next to two orange roller suitcases on an airport tarmac with palm trees and a small white airplane visible in the background, illustrating a passenger left stranded after an airline schedule change forced him to buy replacement flights at his own expense

Aeromexico offered him a “free” flight change. Then it refused to give him one.

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Jorrit Muller booked Aeromexico flight 335 from Puerto Vallarta to Orlando for a wedding. Three months before departure, Aeromexico shifted his flight one hour earlier, into the reception time. The airline notified him that if the new flight did not work, he could move to another at no additional cost. When he tried to use that offer through Aeromexico’s WhatsApp support, the available flights were operated by Delta as code-share. An agent told him to request a refund instead, then Aeromexico denied the refund. Under DOT rules, a significant change for international travel requires a schedule shift of six hours or more.

Editorial cartoon showing a confused balding middle-aged man in a white shirt and tie standing on his front lawn looking up at a small light blue mini refrigerator that has been mysteriously returned to his porch steps after being picked up by FedEx, illustrating how third-party seller returns can fail in unexpected ways

Walmart told me to donate my broken refrigerator — then things got strange

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Howard Friedman bought a beverage refrigerator from Walmart that did not get cold. After Walmart arranged a return, his replacement came from third-party seller Ca’Lefort and also failed. FedEx picked up the broken refrigerator then mysteriously delivered it back to his porch days later. Ca’Lefort refused returns without original packaging and offered only 50 percent off a replacement. Walmart told him to donate the broken refrigerator to charity and promised a refund that never arrived. Multiple calls produced dropped calls and apologies but no resolution. Federal consumer protections under FTC rules apply even with third-party marketplace sellers.

Watercolor editorial illustration of a father in a white shirt and red tie standing with his young son who carries a backpack at an American Airlines departure gate, with an American Airlines plane visible through the window beyond the closed gate door, illustrating how families get separated when airlines pull passengers from boarding lines and document involuntary bumping as voluntary

American Airlines claims I voluntarily gave up my seat, but that’s a lie

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Charles Shearer was traveling from Cleveland to Japan for his mother-in-law’s funeral when American Airlines pulled him and his young son from the boarding line. His grieving wife boarded alone while gate agents offered $500 vouchers, with one even verbally acknowledging the bumping was involuntary. American later documented the incident as voluntary in its system, denying him the federal compensation of up to $2,150 per passenger that involuntary bumping triggers when passengers arrive over two hours late. Federal law mandates 400 percent of one-way fare in cash compensation, paid at the airport on the day of the flight.

Editorial cartoon showing an anxious traveler in a blue polo shirt grimacing as he stuffs a large purple roller suitcase into an open green airport trash can, with empty seating areas and large glass windows visible in the background, illustrating the increasing trend of travelers abandoning their luggage at airports to avoid baggage fees

The great luggage abandonment: Why travelers are ditching their bags at the airport

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Travelers are increasingly abandoning their luggage at airports and hotels to avoid baggage fees that can exceed the value of the bags themselves. Hotels in Tokyo and Osaka now post warning signs about luggage abandonment fees while Narita Airport reportedly stores dozens of unclaimed bags daily. Kansai Airport in Osaka and Chubu Airport in Nagoya report similar pile-ups. Asian carriers known for strict baggage fee enforcement contribute to the trend, along with Japanese tourists buying cheap rolling luggage for shopping trips and abandoning it before flying home. Airports hold abandoned bags 30 to 90 days before disposal.

Editorial cartoon showing a man with glasses standing in front of a store shelf filled with bottles, looking up at a digital sign that displays "YOUR PRICE: $5.99" in red LED letters with a green arrow, illustrating how surveillance pricing creates personalized prices based on consumer data

Don’t ban surveillance pricing. Here’s how to fix it.

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Surveillance pricing happens when companies use everything they know about you including location, browsing history, income, and device type to decide how much to charge you. The Federal Trade Commission documented eight major companies actively using or piloting surveillance pricing powered by third-party data brokers. Maryland is weighing a first-of-its-kind ban on the practice for groceries while JetBlue faces a federal lawsuit alleging it uses passenger data to raise fares. Disclosure requirements similar to the Equal Credit Opportunity Act would force companies to explain exactly what data they used to set custom prices.