Advocacy

These tales are from our consumer advocacy files. If you’re a consumer with a problem with a company, you can contact us for help as well.

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?

by

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.

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

by

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 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!

by

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.

Business class baggage disaster! Why is Aer Lingus ghosting us?

by

Aer Lingus failed to load business class passengers’ priority-tagged luggage onto four consecutive flights despite AirTag tracking showing exact airport locations. The airline then promised $265 baggage delay reimbursement in writing but ghosted the couple for six months before declaring their case closed without payment. Under the Montreal Convention, airlines are liable for baggage delays on international flights and must compensate passengers for reasonable replacement expenses.