On XX/XX/XXXX I ( XXXX ) purchased a round trip ( XX/XX/XXXX to XX/XX/XXXX ) flight ticket for {$1300.00} to XXXX XXXX from XXXX using my XXXX XXXX credit card to visit my ailing father. 
I also purchased a flight insurance for {$82.00} to protect for 100 % refund incase of trip cancellation. Ten days later, I was advised of the XXXX in XXXX XXXX and called XXXX to cancel the flight becauseof the latest news of XXXX outbreak in the country I planned to travel. 
XXXX started to argue that the airline has to accept the cancellationfor a refund ... otherwise I will forfeit the payment made for the trip. Itold this agent that the transaction was made with XXXX and there is aninsurance coverage to cover full refund of {$1400.00} less {$82.00} ( insurancecost ). I explained to the agent that the trip to XXXX XXXX is prohibited for non essencial travelers according to State Department. I did not get a response from XXXX. I then called my credit card company, XXXX XXXX and denied the charge. The amount wascredited to my account while XXXX XXXX advised XXXX about mycomplaint. XXXX rejected my complaint and XXXX reinstated the costincluded monthly interest rate of 22.9 % since XX/XX/XXXX. I have objectedto the bill and monthly interest and sent a complaint letter ( Case No. 
XXXX and No. XXXX XXXX on XX/XX/XXXX with all records oftransaction including insurance coverage and warning from the nation 's CDCto not travel to XXXX XXXX has ignored my objection, and insteadcontinue to send me bills of outstanding payments, adding monthlyinterest, stopped the use of the credit cards and has sent bad credit recordthat has now created problems with me getting a loan to purchase a home for me and my family. see attached record of dispute. 
I request that XXXX XXXX be investigated for its abuse of consumer protection law and immediately clear all negative reports under my name, XXXX XXXX at all three credit bureaus.