USAA, impressed

I don't mean to offend, but... you had round trip tickets and you successfully used half of the round trip tickets. USAA refunded the half that wasn't used.

The airline f'ed you over and charged you for a one-way flight, and you paid with USAA thinking you could get a refund of that one-way ticket after having flown back. USAA said no, you flew on that ticket, we can't charge-it-back to the airline.

You're dispute is with British Airways, not USAA, which appropriately refunded the merchandise to which you paid for, but did not receive. British Airways can prove it was in fact, you that bought the ticket, and you did in fact, fly back home on the ticket. A charge-back would not be successful and USAA would be on the hook for $2,000 that you voluntarily paid.

If you had paid for travel insurance or something that covered itinerary changes on the part of USAA, or if your terms specifically covered that, then I would agree with you.

That's not to say it doesn't suck to be f'ed by British Airways, it's just to say in no way is any of that USAA's fault and they did appropriately refund what they could, and it's not implied to trust that your card company is going to refund a ticket you paid for any used. [sorry]

They airline figured a way to get more money by by deceit and the credit card company thinks it is just fine to use trickery in business. That is why you use a credit card, for insurance you are not going to be defrauded. The case still isn't decided and final, because the airline has to answer to US DOT. At first USAA decided in my favor, then reversed and only refunded half. IF YOU CAN"T SEE WHAT THE AIRLINE DID, YOU ARE BLIND!

The redeeming factor in all this is, I can fly to the UK really cheap now. British Airways had to lay off 36,000 employees and ground 90% of their fleet. This loss is basically my COVID-19 stimulus check. The loss to USAA is about $30,000 in the next ten years as I am dumping them and their "products". I'll just find another insurer.
What is funny, is the sudden appearance of a BA website to complain. They didn't have that when the dispute started.
I have a feeling I will probably get a refund, but what a hassle. You call the airline and they hang up on you. It is obvious the person you are talking to is a call center in India. Now if you call they direct you to their new online "complaint" form. So does the US DOT.



https://www.theguardian.com/money/20...es-coronavirus

State Farm has said they are doing a 25% credit on auto policies for March and April. I guess that's something.

My biz policy is due shortly and may let that go/cancel it. Auto do at the end of the month and wondering about that one too.

I've been driving, maybe, 3 miles a week and can do that with one vehicle.

Be careful, Skip, about letting car policy lapse. There may be penalties (in the form of higher premiums) to pick it up again after a lapse in coverage. Every company I've ever got a quote from asks me if I have a current policy or if there's been any lapse in coverage.

On the other hand, I'm no expert and may have no clue what I'm talking about. Maybe Irving can chime in on that or one of the other guys who does insurance here.

Yeah don't let your auto policy lapse. You can call your agent and set-up something like just comp while it's sitting in the garage.

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Originally Posted by Irving

Yeah don't let your auto policy lapse. You can call your agent and set-up something like just comp while it's sitting in the garage.

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Good advice guys, thanks.

Yes, that's probably smarter. My liability limits are also higher for an umbrella and I'm not sure if I can lower those.

Quote:

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Originally Posted by Irving

Yeah don't let your auto policy lapse. You can call your agent and set-up something like just comp while it's sitting in the garage.

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You may be able to reduce the rate by designating the vehicle as 'recreational', rather than a daily driver. Your agent should be able to walk you through available options.