Merchant dispute with airline over changed itinerary
"Are you on Twitter? If so, the first thing I'd do is tweet this question to @Orbitz and/or @AmericanAir (AA). I'll edit it to be a bit nicer english-wise.  Tweeting (or Facebooking or Instgramming or ...) is one of the most effective ways to get customer service in 'edge' cases.  Explain your case in a nice, tight narrative that has the pertinent facts, why you should get an exception.  Social media tends to get results that you can't get just talking on the phone; in part because you're effectively talking with a higher-up person, and because you can make your case a bit more clearly. You can actually tweet this StackExchange question directly, or word it yourself in a tweet/FB post/etc.  On Twitter i'd link to here or somewhere else (too short), with something like ""@Orbitz @AmericanAir, you changed our trip and now it doesn't work with our special needs child.  Any way you can help us out? [link to this q or a blog post somewhere]"".   As far as a merchant dispute; it would realistically depend on the agreement you signed with Orbitz when you bought the tickets.  Likely it includes some flexibility for them to change your plans if the airline cancels the flight.  If it does, and they followed all of their policies correctly, then technically you shouldn't dispute the charge. It is possible that Chase might have some recourse on your behalf, though I don't think this qualifies for Trip Cancellation Insurance (Which you have through your Sapphire card ).  It might be worth calling them, just to see.  In the future, I would recommend booking through their site - not only do you get 25% bonus rewards when you use miles through there, which often is enough to offset the advantages of discount travel sites, but they're quite good at helping deal with these sorts of problems (as Sapphire is one of their top cards)."
Not exactly. From OP's X-post, this appears like textbook tortious interference.  If it were me, I'd demonstrate to the customer why they are getting a better deal and at the same time, I'd have my attorney send a C&amp;D to the offending competitor. It may seem very simple on its face but you don't know the merchant's agreement.  You don't know who is providing the processing equipment.  You don't know a lot of things.  You know that Visa, Mastercard, Discover, Amex and others have network requirements and agreements.  You know that laws have been changed to allow merchant surcharges (previously it was contracts that prohibited surcharges, not laws).   That gas station, or that pizza parlor, or any other merchant doesn't have a direct relationship with Visa or Mastercard; it has an agreement with a bank or other processing entity.  The issue here, is whom do you even call?  And what would you gain?  Find out what bank is contracted for that particular equipment and file a complaint that the merchant charged you $0.35?  Maybe the merchant agreement allows surcharges up to state and local maximums?  You don't know the terms of their agreement.  Calling around to figure out what parties are involved to understand the terms of their agreement is a waste of time, like you said you can just go across the street if it's so offensive to you.  Or just carry a little cash.   If that's not the answer you're looking for, here's one for you: There is no practical recourse. Leins basically work by having someone take you to court. If you show up and fight it, nothing happens. But if you never show up (which a lot of people don't due to thinking 'this is pointless'), then the other party wins by default.  I was just trying to point out that they have other options than just fighting it out with VISA and losing. I believe the appropriate recourse in this scenario is to bring a court case for breach of contract.   The 1p repricing issue has been admitted as an error out of scope of the purpose of the software. Dispute the charge. Receiving the wrong product is grounds for dispute. What I would prefer is top open a new category charges under dispute and park the amount there. It can be made as an account as well in place of a income or expenses category. This way your account will reconcile and also you will be able to track the disputes. It looks like what you're calling a name change was registered as a merger that resulted in an exchange of stock.  If that's the case, then what you've been told is correct.  You've got one long-term sale and one short-term sale. Based a quick read of the Form 8937 that was filed, it looks like there were multiple entities involved in this event, more than one of which existed prior to it. https://www.mylan.com/-/media/mylancom/files/form%208937%20for%20mylan%20n%20v.pdf Your chief problem seems to be that you're mixing Visa (credit cards) and Step2 (a European Automated Clearing House). Credit cards are primarily an American concept, but do work worldwide especially in travel&tourism industry. The Credit Card companies are financial institutions themselves and operate similar to international banks They're typically acting as intermediaries between the customer's bank and the retailer's bank, so this works even if those two banks have no existing agreements.  This is expensive, though. Step2 is a cheaper European system which eliminates the middle man. It allows the consumer's bank to directly pay the retailer's bank. VISA is not a member of Step2. Short of canceling the card, you could just report the card as lost and ask for a new card number on the same account. Another option is to just make a note to look for the charge and keep disputing it. It has been a while since I did credit card processing at my business, but I think the company gets dinged if too many customers dispute charges and kicks them into a higher fee schedule with the credit card company. If iban and name don't match. This shud have been refunded. Logic says so. Otherwise they just ask for iban without other details if they won't be considered Hear that cackling off in the distance?  That's Delta laughing their asses off and eating AA's lunch. Delta's not a demonstrably superior airline, normally, but they now have more destinations, fewer delayed/cancelled flights, and, uh, none of the cluster**** issues AA is dealing with now.  I'm a platinum business traveler, and Delta matched my status and then some to steal me away a while back. Pretty much the same story with all the other frequent biz travelers I know. Odd, I've been Platinum Exec for a year and regular Platinum for 2 and I have not had any of these delays everyone is talking about. I usually fly Denver to DFW to where ever (south america or europe). I fly at least 8 legs per month if not more.  Maybe I'm just lucky and I jinxed myself. EDIT To answer what I think you question is: I do not know of anything other than trip cancellation insurance.  And you must be very careful that the policy you purchase for your trip covers the circumstance you described.  Essentially, you opted not to take the flight.  Not all trip cancellation policies will cover that. How to Find Trip Cancellation Insurance Getting Your Money Back Now This is an Act of God in the insurance world.  You cannot reasonably expect the airline to know the future weather pattern anymore than you could, and therefore, since the plane did fly, you owe them the money based on the ticket you bought.  You didn't just buy a ticket, there is a contract with rules about refunds and transferring and such. It is a bummer situation, and I understand you point of view, but this isn't the airline's fault. If anybody is to blame for you missing your flight, and therefore not getting a refund, it is your employer.  Their requirements for you be in one city and then another are the cause.   While your employer cannot predict the weather, they are ultimately the ones who could give you the okay to be late.  If you absolutely cannot be late, and it was critical that you drive out and miss your flight, then your company gets to pay for the flight AND the car.  That is the cost of doing business for them. This is also why, when flying for business, that you pay the higher price and get the refundable / transferable ticket.  They cost more, but situations like these illustrate they are worth it for the company. I can't speak authoritavely about enforceability. I've done some work on arbitration clauses for a client and worked on a major litigation case where we were trying to invalidate some arbitration clauses and arguing duress (but we ended up settling before it went to court). I believe common some law concepts would work (they are contracts after all), but the FAA is usually read to preempt some typical defenses.  I also know in some jurisdictions the enforceability of an arbitration cause is put to arbitration itself, which is a barrier to getting some sort of collective action going and effectively cools a lot of litigation.  It may very well be that Uber's arbitration agreements are unenforceable, but there is a lot of rage on Reddit over Uber's use of arbitration clauses, and I only wanted to bring up the fact that companies use them all the time "Personally, I would just dispute this one with your CC.  I had a situation where a subscription I had cancelled the prior year was billed to me.  I called up to have a refund issued, they couldn't find me in their system under three phone numbers and two addresses.  The solution they proposed was ""send us your credit card statement with the charge circled,"" to which I responded ""there's no way in hell I'm sending you my CC statement.""  Then I disputed the charge with the CC bank and it was gone about two days later.  I partially expect to have the same charge appear next year when they try to renew my non-existent subscription again. Now, whether or not this is a normal practice for the company, or just a call center person making a good-faith but insecure attempt to solve your problem is irrelevant.  Fact of the matter is, you tried to resolve this with the merchant and the merchant asked for something that's likely outside the bounds of your CC Terms and Conditions; sending your entire number via email.   Dispute it and move on.  The dispute process exists for a reason."