“Delta has contacted a collection agency to force me to repay”

Can an airline send a debt collector after you to pay for a missed flight?

Strangely, the answer is: yes.

Consider what happened to Eehern Wong, who was scheduled to fly from Sacramento, Calif., to Boston by way of Los Angeles.

When I went to check the status of my flight, I noticed that the itinerary had been shifted up by nearly half a day. In fact, by the time I checked on the flight, the plane had already left Sacramento and was already landing in Los Angeles.

At no point was I contacted and notified of a change in scheduling. I called Delta to see if they could put me on the next flight, and after being redirected a few times, found out that not only would I be unable to get put on the next flight, but would actually have to pay for a new ticket a day later for my trip back to Boston.

I am a student right now, and this seemed outrageous to me. I had class and prior obligations and needed to get back, so I paid for the flight with my credit card. After returning to Boston, I contacted my credit card company, recounted the story, and had them investigate on my behalf.

After a few months of investigations, they sided with me, citing that Delta provided insufficient evidence, and withdrew payment to Delta. Now Delta has contacted a collection agency to force me to repay. What can I do about this?

Obviously, Delta should have notified Wong about the change in schedule. But Wong should have checked in 24 hours prior to departure, at which point he would have learned about the change in plans. So there’s plenty of blame to go around.

My question is: Was Delta correct to hit Wong with the price of new ticket? I don’t think so. The airline should have accommodated him on the next flight at no additional charge.

That’s how he sees it. That’s how I see it. And that’s how his credit card company sees it.

I contacted Delta on Wong’s behalf. It did not respond.

What about the collection agency?

Under federal law, a collection agency can be managed, particularly when the debt is in dispute. Even if this gets on your credit report, you have the ability to correct the error with a notation.

For smaller amounts, travel companies often threaten to call a collection agency but don’t follow through. It’s possible that Delta is just posturing with these threatening letters.

Bottom line: Delta could have done better. Much better.

  • http://www.singleparenttravel.net John F

    I can’t believe I am going to side with DL on this one but… Wong bought a ticket for transport and did not check in prior to the flight and DL left him in Sacramento. I find it hard to believe that DL did not notify him of the change? Did he leave a valid email/cell/telephone number?

    If DL makes the exception here, they are setting a precedent for all sorts of abuse that will follow with the excuse–”well I never got the message”.

  • Jake

    I’m on Wong’s side here. Sure, he could have checked in earlier…but the allowance is UP TO 24 hours in advance, not AT LEAST. Based on above, the shift was around 12 hours (the itinerary had been shifted up by nearly half a day). Given that fact, and the fact that he wasn’t contacted, I’d fight Delta every step of the way. Would anyone consider letting their dentist charging them for a missed visit if their appointment was arbitrarily moved up by 12 hours with no notice?

    @John F – Easiest way to avoid the precedent is to just deliver what was promised, i.e. a flight at the times specified when purchased. Is it really so hard for companies to just do what they agree to?

  • http://www.claws-and-paws.com/ Douglas Muth

    He needs to call his credit card company again and tell them about this latest development. I would recommend contacting the Attorney General’s Office in his state as well.

    Most merchant accounts that businesses have also have language in the contract that states something to the effect of if a customer wins a chargeback against you, you are prohibited from trying to collect that money any more. Assuming Delta is under a similar agreement, they are clearly in breech of that agreement and their bank will NOT be happy once they find out.

    Good luck!

  • SirWired

    As a side note, you cannot “correct the error with a notation”; the point of the notation is to tell “your side of the story” when you can’t get the problem corrected. However, most banks and credit scoring agencies ignore the notations when calculating your credit score, making them quite a bit less useful.

    SirWired

  • carver

    This stinks royally

    @john f – are you really suggesting that Wong must change his plans by 12 hours to accomodate Delta’s schedule change? And if Wong couldn’t or just wouldn’t? I guess he’d be SOL? I don’t think so. Delta’s position is 100% indefensible.

    @Douglas – The Attorney General is not the appropriate place to contact. They are concerned about fraud. As much as Delta’s actions show a complete lack of ethics, its doesn’t fall under the category of fraud.

  • Roberto

    @Douglas Muth, you are completely wrong. If a customer wins a chargeback against a merchant, the merchant’s only recourse is to attempt to collect via other means, including via the courts, collection agencies, etc.

  • charline

    @ JohnF: “I find it hard to believe that DL did not notify him of the change?” Believe it: I flew Delta from JFK to SFO and Delta never informed me that they changed my flight and I had checked in 24 hours in advance AND the itinerary hadn’t changed at the time. (and yes, they had y contact information on file) So needless to say, I was stuck (along with everyone else on my flight who weren’t able to get on another flight) and when asked Delta for information, these were their exact words: “I have no idea where your flight is, its not even on the schedule…” But hey, when I begged, I did get a blanket and a pillow!

  • karin

    Just my two cents…I checked my Delta flight and found a schedule change. It actually didn’t allow me to make my connection since it changed to arriving two hours after my connection left. I had to call many times to get a new flight. I kept asking for supervisors, managers, whoever I could get. It wasn’t easy but I finally got the change. They have so many schedule changes going on, there is no way they would have the ability with their down-sized staffing to contact everyone and re-schedule so they just claim to have sent an email. Fortunately mine was found early enough to change. Lesson learned: keep checking your flights for changes, early and often.

  • Lianne

    I am assuming that Mr. Wong booked via the web in which case he would need to provide an email address.. Is it really that hard for Delta to send out an auto-update of schedule changes?

    An example of a very good system: I had a reservation on Airtran when they change the schedule on me once. They had an auto-email that went out and required me to either call their office or log into the webstie to accept the schedule change in order to confirm that I received the change. The computer was apprently programmed to attempt to keep to the passenger’s original schedule as closely as possible and assigned me flights with an unrealistic connection (10 minutes between flights). I called Airtran, the lovely agent laughed with me about the computer’s goof, waived the phone service charge and rebooked me on a realistic connecting flight. After that, Airtran became my airline of choice until they jumped on the baggage fee wagon.

    Now if a “discount” airline like airtran can work out a system like that why can’t a “full service” airline like Delta? Yeah, I know, the difference between discount and full service airline gets smaller everyday…

  • Joe Farrell

    When he paid for the fllight with his credit card, it stated, on the bottom, “I agree to pay this charge in accordance with my cardholder agreement.” That requires that you pay for services provided. Since DL had space later in the day, i.e., they sold you a ticket- they by definition had space available. They SHOULD have accommodated without ANY problem if they failed to contact you – or make an effort to contact you.

    Was Wong an idiot for not checking his flights the day before – absolutely. The competent and the qualified rarely get caught up in these things.

    Was Delta wrong for not accommodating him? Absolutely. However, Delta’s contract of carriage clearly said in words or effect that they have the absolute right to change and modify and has ZERO obligation to tell you.

    Here is the actual language:

    “Delta will use its best efforts to carry the passenger and baggage with reasonable dispatch. Times shown in timetables or elsewhere are not guaranteed and form no part of this contract. Delta may without notice substitute alternate carriers or aircraft, and may alter or omit stopping places shown on the ticket in case of necessity. Schedules are subject to change without notice. Delta is not responsible or liable for making connections, or for failing to operate any flight according to schedule, or for changing the schedule or any flight.”

    Now – that all being said – the contract is subject to some pretty significant legal rights. Personally, the event in question happened in California. I happen to be admitted to practice law in Caleeforneeah and can pretty much guarantee that this is a unfair business practice and it would be fairly simple to prove that Delta breached several implied covenants.

    Strictly as a practical solution -

    Send a LETTER to the collection company. a) You owe Delta nothing b) have Delta provide proof that you owe the money – send the final resolution from the credit card company where the credit card company told you – no liability. c) Tell them you have no intention of paying, and that from this point forward they must sue you to collect. You have no intention of paying. d) instruct the bill collector that you stand on all of your rights under the fair credit billing and collection act, and they must instruct their client of your contention you owe them nothing. e) Any credit reporting they do must contact a full statement of your dispute concerning you have no obligation to pay.

    Then, go spend $50 and sue Delta in small claims court for breach of covenant of good faith and fair dealing, breach of contract [i.e., the original ticket] seeking the full amount of the new ticket [which was separate transaction] as the damages – along with TRIPLE damages for violation of the unfair business practices statute.

    Someone from Delta will eventually call you. Then sense will reign. You need a RELEASE from Delta of all liability for the second ticket. Thats the only way to make sure that the bill collector does not sell the debt to someone else for two cents on the dollar.

    Its too bad it comes to this – but – next time – check in ONLINE and VERIFY the schedules you fool.

  • Greg

    Since when are you required to check-in more than 30 minutes ahead?

  • http://www.debohobo.com Debo Hobo

    Wong is not required to check in 24 hours before a flight….the airline has the obligation to notify its passengers of changes and failed to do so. Wong did the right thing by contactiing his card company for a dispute. He owes them nothing.

  • David Z

    I noticed that the itinerary had been shifted up by nearly half a day

    One thing I discovered in this biz is various airlines “try” to notify passengers if a schedule change goes beyond four hours from its original one. They mostly don’t if it’s lower than that, but AFAIK it’s really up to them if they’ll call those affected by phone.

    It can be rather challenging having to call 200 people, some of whom won’t be reached. Of course, all that could’ve been avoided if they just don’t keep changing schedules, although some of their reasons for doing so are arguably understandable.

    On the side, a friend of mine in the web hosting business told me one company also sends a collection agency after those who disputed their charges with them. Goes to show it can happen anywhere, anytime.

    I agree that Delta could’ve done much better than this. Time will tell how things will turn out for them and how they’ll deal with it, but they’d better be ready for potentially losing a lot.

  • Carver

    @Joe F

    I have a slightly different take on the contract of carriage. Delta is disclaiming consequential damages, which is reasonable. So if the flight is late and you miss an important business meeting, you can’t sue Delta. However, Delta, like other airlines have federal obligations should they change a flight. For example, if you miss a connecting flight on another ticket because of Delta you are SOL. But if its one ticket then Delta has to accomodate you.

    I concur with the legal procedures.

    @others

    I know Chris has advocated checking with the travel provider beforehand. But I maintain that is an unfair burden for ordinary travel. Anyone who is a frequent traveler has far too many travel obligations to routinely confirm that the provider is one top of things. Now if the travel is extraordinary then by all means check. International travel, cruises, peak travel times, are all special circumstances where it makes sense to double and triple check your schedule

  • Scott

    Everyone LOVES to assign blame. It is not possible from the information provided to determine who should have contacted Mr. Wong.

    THE BOOKING AGENT IS RESPONSIBLE FOR NOTIFYING THE CUSTOMER OF CHANGES.

    If the airline is the booking agent, then voila, it is the airline’s responsibility. More and more people, however, book off random websites no one has ever heard of. The website (a.k.a. online agency) or travel agent, etc. are responsible to update you if you purchased a ticket from them.

    Also, there is the issue of contact information. I see many people’s bookings (usually from agencies) with ZERO contact information. The airline could not contact these people under any circumstances.

    THEN, there are those people who ignore the contact attempts. People get automated voicemails — probably don’t even listen to them — or e-mails and never follow-up. Most likely they intend to get to it and forget. But then they claim they were never contacted when we know they received two phone calls and three e-mails.

    Everything is always someone else’s fault.

  • Joe Farrell

    @Scott – funny, Delta NEVER used the defense with the credit card company that ‘they notified him.’ Which means clearly they didn’t – even the most perfunctory efforts will be the subject of an intense campaign by the airline that they ‘notified’ him, even if the notification is a notice on a departure board of a changed time. Maybe Mr. Wong is keeping that fact from us to make his story sound better – but – and I’m sure Carver will agree – the most effective means of obtaining truth is cross-examination.

  • carver

    Agreed. I also suggest that notice is a bit of a red herring. So what if they notified him. Does Mr. Wong have to move heaven and earth to accomodate Delta’s schedule change.

    At a previous firm, I used to book flights for after work due to early morning meetings, court appearances, etc. I couldn’t take an earlier flight on either the outbound or inbound flights because my schedules were not flexible. So even if an airline notified me timely about a flight change, I wouldn’t be able to or even inclined to change my schedule by hours and hours to accomodate the airlines.

  • DN

    As far as I know, the Contract of Carriage stipulates that you can get a refund of your ticket if the schedule change is by Delta. A 12 hour advance on the departing flight is not maintenance, force majeure, or any of the other nonsense that the airlines like to use in order to opt out of their obligations. Unfortunately, that means that you have to pay through the nose for a higher cost ticket, but your options could involve purchasing a WN ticket and getting to Boston via MHT.

    Orbitz, UA, and most airlines have an automated service which sends text messages to your phone updating you on schedule changes, cancellations, etc but you have to sign up for it. I’ve never been affected by a major schedule change that I wasn’t notified by the airline and/or Orbitz (when I use them) – but I also double check my reservation 24 hours in advance via the email notice from the airline. My personal reason is that I tend to forget when my flight leaves and I’ve missed way too many flights because I *assumed* I knew when it was supposed to leave and was wrong.

    Chris hasn’t stated whether a collection agency HAS contacted Mr. Wong, or whether Delta THREATENED to send him to collection. There is a difference to the response needed. Also, which charge did Mr. Wong dispute – the first charge, the second charge (since he needed to buy a new ticket at SMF) or both? I personally would have only disputed the second charge and let the first one go, because Delta did fulfill their obligation (transport Mr. Wong from SMF to BOS).

    @Joe, not true about the competent and the qualified, because people make mistakes. Agree with you on the rest, though.

  • Joe Farrell

    @DN – he said that Delta has contacted a collections agency. How would he know that unless a) Delta told him they contacted a collections agency [unlikely] or b) the collections agency contacted him. [more likely]

    I disagree on the competent and qualified since if you are competent you have checked to see when the flight leaves. The advantage to flying one self is that since I’m the pilot – I never miss my plane.

    As for the qualified part, well, if you know that you are doing when it comes to traveling, then you know what you are doing, hence qualified!

    I heard one story whereby a person was told by a ‘legacy’ airline that when a customer bought a new ticket on a competitor to reach a destination the first carrier told him was ‘closed’ and would not open until the morning that his failure to buy a ticket on WN for $299 and buying a $787 ticket on AA, he failed to properly mitigate his damages. That was a pretty brazen defense on the part of the carrier.

    OTOH – we were sked on a nonstop to Chicago out of Maui about 4 years ago when there was a blizzard in Chicago which prevented the departure. AA protected us, in First class [we did have F class tickets], on the Dallas flight which left an hour earlier. And they called us. We got into Hartford about 3 later than planned which considering it could have been days later was pretty good.

  • http://www.cockam.com ajaynejr

    Do airlines still have a rule requiring the passenger to reconfirm flights X hours in advance? If not, or if the flight is moved up after the passenger reconfirms, the airline is obligated to use reasonable efforts to provide transportation when the passenger shows up at the last time he was notified of even if the plane has departed.

    Now if the flight was moved back, then the passenger wll be notified when he gets to the airport.

    Aside from the need to reconfirm, it is not the passenger’s obligation to keep checking even though it is desirable to keep checking for such purposes as reslecting seats..

  • David Z

    Do airlines still have a rule requiring the passenger to reconfirm flights X hours in advance?

    It’s not really a rule. But I’ve had cases where people complained we didn’t and/or should’ve told them to reconfirm their trip 24 hours (for domestic) or up to 72 hours (for international) before departure, so we’ve been telling them those things ever since.

    My guess is those airlines get that same problem, which is why they’ve been telling people to reconfirm, recheck, etc. their trips before they leave. And we’re not even necessarily obligated to do that, but we do it anyway to save us unwanted headaches.

    Now, we can all argue all eternity whose obligation it is to do what for who. But like I said, everyone’s going to decide on their own what they will be, and I don’t know how one can “force” it on another unless agreed upon…

    ….or short of suing in court, maybe.

    But I maintain that is an unfair burden for ordinary travel. Anyone who is a frequent traveler has far too many travel obligations to routinely confirm that the provider is one top of things.

    It is indeed an unfair burden, just as we travel vendors have the arguably unfair burden of telling people what they want or demand to know, especially for certain things (e.g. visa requirements) that might not be posted online. At the end of the day, it pretty much boils down to knowing what one’s doing and getting themselves into.

    If someone wants to hold another liable for some perceived wrongdoing, then I wish that person good luck doing so.

  • Kevin M

    A few thoughts:

    “Shifted up nearly half a day” could mean 12 hours, or it could mean, say, flight moved from 5:00 pm to 1:00 pm, or 1:00 pm to 9:00 am – half of an “eight hour” day. I can envision some people who live fairly near an airport not checking on a flight’s status until three or four hours before departure, on the assumption that the only thing to worry about is whether the flight has been delayed further upstream. Obviously, there’s more to worry about.

    And yes, anyone who travels regularly has learned the benefit of checking in 24 hours in advance, printing boarding passes at home, all that good stuff. I find it hard to believe sometimes that everyone doesn’t do these things, but I know some don’t.

    I do think Joe’s got the right idea. Unfortunately, one hand often doesn’t know what the other is doing at a company as big as Delta, and the collections process may be something automatically kicked in because of the chargeback. Until it gets to the level of someone at Delta who realizes they’re (a) likely to lose the case and (b) probably will never collect on the ticket, the threats will continue. A lawsuit tends to get attention because it ends up in the legal department, and they’re presumably able to yank the idiots from collections, scheduling, notification, or wherever in to find out what’s going on to answer the suit. That may be enough for the lawyer to say “Cut a deal with him, NOW”.

  • Bob Smith

    @ DN anyone who writes something like “The competent and the qualified rarely get caught up in these things.” is a full blown nut. Competent in what? Telephone operation? Qualified in what? Is their a class you can take or somehting? Certified Airline Schedule Checker? I really would like to see some of these posters degrees…..

  • David Z

    I really would like to see some of these posters degrees

    Bachelor of Arts from the School Of Hard Knocks. This thing’s an art sometimes. :)

  • DN

    @Joe: with all the stories that Chris writes about legacy airlines, does anything they say really surprise you anymore?

    @Bob: I don’t think he’s a nut and I simply disagreed with the statement.

    I just remembered about a friend showing up at the airport and finding out that his flight had left 12 hours earlier because he misread the time – it was an international flight from LAX to TPE and he didn’t realize that it left at a few minutes past midnight instead of a few minutes past noon. I’ve done redeyes from LAX to BOS before, and I don’t recall any of them departing around the midnight hour; most of them left around 9-10pm or so.

  • John

    I’m siding with Delta AirLines. There is almost NO way Mr. Wong was not notified. Delta uses an automated system that contacts you by email or phone (or both) if a flight on your itinerary is moved by just a couple of minutes – not sure how many exactly but I believe it is less than 15 minutes and may be as little as 2 minutes.

    Also, the “Mr. Wong should have checked in 24 hours prior” argument is a bad one. Mr. Wong should have been able to check-in within 60 minutes of his flight without any trouble. Also, the fact that Mr. Wong was the only one (on his flight) arguing with the CSRs at the airport near the original time of departure means that “everyone” else was notified.

    …And, since we are talking about California here, if this did happen and Mr. Wong wasn’t the only one affected, there would probably be a massive lawsuit against Delta for it – Californians love lawyers! :-)

  • H E Pennypacker

    “He should have checking in 24 hours prior to departure” Seriously??? Online check-in is an OPTION, not a requirement. Second, sometimes there is no computer access at your present location.

  • Carol Smith

    We will probably never fly Delta again.
    In January, we had reservations on Delta, purchased through Royal Caribbean, to fly home from Miami to Albuquerque. The cruise shuttle delivered us to the airport about 9 am for an early afternoon flight. Delta checked us in, took our luggage, issued us boarding passes, and gave us a gate number. In other words, they knew we were at the airport. They also had my cell phone number.

    About that time, they sent us an E-mail message informing us that our flight had been cancelled and we had been re-booked on the flight schedule to leave at 8 am the next morning. Either they booked us in for a flight that had already been cancelled, or they sent us a message at home after we were in the system at the airport. Either way, an effective information system would have made a huge difference. There was NO announcement until 45 minutes before the flight was supposed to leave, when my husband and a few other would-be passengers started asking questions about the lack of posting at the gate. They finally asked everyone booked on our flight to report to the gate. The gate agent did not seem to know that we had already been re-booked and spent several minutes trying to find us seats on another flight. Or course we did not know that we had already been re-booked until we got home the next day and read our E-mail.

    We were then told to go back to the ticket desk to get our luggage and vouchers for a hotel. We would have been better off at that point just walking out to the front, getting a cab and paying for our own room and meals for the night.

    Downstairs, we were directed to the end of the line of people who were checking in for flights. After 20 minutes we reached the ticket agent who gave us a voucher for the Marriott and six meal vouchers (which we tought was very generous until we realized that they were each for $7) and told us that it was “too late” to retrieve our luggage. Actually, our luggage was still there and didn’t leave the airport until we did the next morning. Later that evening, at the hotel, we met another couple from the same flight. They had given up on the shuttle and taken a taxi. They also had their luggage. Seems that when the ticket agent told them that it was too late to get their luggage, this retired colonel just stood his ground and suddenly their luggage was available afterall.

    Outside, we stood, waiting 45 minutes for the Marriott shuttle that took us to a hotel/conference center in an industrial district adjacent to the airport. We didn’t know our way around Miami well enough to have any idea how to get anywhere from there. The hotel was under re-furbishment. So there we sat, with no luggage, no coffee shop, no snack bar, no gift shop; just an excellent (and expensive) restaurant and a front desk that that provided free toothbrushes and toothpaste and had for sale a few things like tylenol and deodorant.

    Making the best of it, we stettled in for a nice (really nice) dinner. The waiter confirmed that we could use all six vouchers for the one meal. If we had stuck to ice water and appetizers (and stiffed the waiter) we probably could have brought our dinner bill in for under the total of $42 in vouchers Delta had given us for food. But we decided to take advantage of the what was a really good restaurant and both had salads and entrees. We even “splurged” on iced tea and gave the waiter his well-deserved 20% tip. The total bill was $98.86.

    The next morning we were on the first shuttle to the airport in order to get some breakfast and catch our early flight. On the Atlanta to Albuquerque leg of the flight, we purchased sandwiches. We had to laugh, Delta’s meal vouchers allow $7 for a meal. Their in-flight, food-for-purchase turkey sandwich was $8.

    In the end, we each lost a day of paid leave, missed meetings and appointments scheduled for our first day back our respective jobs, spent 36 hours in the same clothes, and lost all confidence in Delta’s ability or willingness to communicate efficiently or honestly with their customers. We complained to Royal Caribbean, who muttered something about scheduling flights as a convenience to their passengers and declined our request for a contacte number to call Delta. In all honesty, we could have taken the time to start up through the system at Delta, but we had already figured out that it they cared in the first place, they would have announced the cancelation of the flight and let us have our luggage back.
    If I need to be able to check my E-mail at the airport in order to fly, I need to find another airline. Actually, we will be flying to and from Miami again in January 2010 — on American.

  • http://www.cockam.com ajaynejr

    quote: “In the end, we each lost a day of paid leave, missed meetings and appointments scheduled for our first day back our respective jobs”

    I don’t think you lost anyting. Your emeployers did.

    Your cruise came off as scheduled with your being brought back to the airport at the proper time. Unfortunately something delayed your flight home from there.

    Granted, had you known that your flight was cancelled jstn as your cruise concluded, you would have had a bonus day to spend before your flight home the next day.