Bring to the call
Statement descriptor, amount, date, merchant location, itinerary PDF, emails, screenshots, call log and any refund promise.
Issuer checklist
The bank call is easier when you arrive with exact labels, dates and questions.
Lock the card in the app if your bank allows it, then call the number printed on the card. Say whether the charge was unauthorized or whether travel service was not delivered as represented, and ask which dispute path, reason code, deadline and provisional-credit rule apply. Request a new number if credentials were shared. Record case ID, agent, time and required forms. If the descriptor references EarnFlight, send the airline's answer too; a carrier statement that no ticket exists can separate a billing error from impersonation.
Ask before hanging up
Was it card-not-present, what evidence is due, when is the deadline, will the card be reissued and how will updates arrive.
Document checklist
A dispute may recover money; a clean file helps investigators recognize the method.
Build one folder with a short timeline: first contact, payment, failed confirmation, refund promise, issuer case number and carrier response. Export statements before labels change, but do not post passport, ticket or full account numbers publicly. Submit domain, phone numbers, email addresses, payment method and impersonated airline at reportfraud.ftc.gov. If your facts resemble Trustpilot or BBB narratives, say so plainly without claiming more than you know. The goal is a file your issuer can evaluate fast and regulators can compare with reports already tied to earnflight.com.
Timeline order
Contact, quote, payment, confirmation problem, refund promise, silence, airline answer, issuer case and FTC submission.
Redact before sharing
Remove document numbers, full card data and booking details not needed to identify the method or merchant trail.