tkrunning

It depends when the change or cancellation happens. If it’s on the day of travel you can deal with the airline regardless. If they change their schedule say some weeks before the flight you need to talk to your travel agent which will often need to call the airline on your behalf. Not at all effective.

Also, it’s often a pain to deal with OTAs if you want to change your itinerary for other reasons. Much easier (and often cheaper) to make changes direct with the airline.

You can also shower them with windshield wiper fluid. They mostly seem to take the hint.

You posted about a garnishment on your account 13 months ago as well. What are you doing to get so many garnishments? I'd suggest getting your personal finances in order.

To answer your question, there are plenty of online banks and fintechs available—take your pick. But considering your regular issues perhaps it's better to also look into brick and mortar banks? Either way, it's probably best if you spread your finances across at least two or three.

I also notice in your post history that you've had dealings in/with Russia. Not that that isn't allowed, but perhaps this is part of the reason why your account is subject to more scrutiny (that plus the repeated garnishments).