Credit card -- Problem with a purchase shown on your statement -- Complaint #11049333
Complaint Overview
Complaint ID: 11049333
Company: American Express Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Arkansas
ZIP Code: 72015
Date Received: 2024-12-05T12:00:00-05:00
Date Sent to Company: 2024-12-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Using my American Express card, I paid {$63.00} on XX/XX/year> for an upgrade on a flight for work. The original flight cost was paid by my employer, the upgrade was paid by me. I got XXXX and was unable to travel and cancelled the flight on XX/XX/year> ( the flight was scheduled for XX/XX/year> ). My company received the credit for the original airfare cost and I was told by American Express via chat that I would need to manually dispute the upgrade b/c upgrades don't automatically refund when a flight is cancelled. Seems ridiculous given that the flight was cancelled and my upgrade was for the flight that again, was cancelled, but I followed instructions. I disputed the charge via the app on XX/XX/year> ; however, when I selected that the flight was manually cancelled ( i.e., not automatically cancelled by the airline due to weather or something else ), I received a message that stated that American Express could not open the dispute at all because of restrictions with the XXXX XXXX XXXX regarding flights. This is BS because Regulation E disputes are allowed for all XXXX and XXXX transactions. There are no carveouts for XXXX. I have had numerous instances with American Express where they refuse to open a dispute and I ask to speak to a manager and suddenly, they will open the dispute and refund my money. I think American Express just refuses to open disputes and I would like the {$63.00} refund on the flight upgrade since I cancelled the flight that the upgrade was applicable to ( and my employer received credit back for the original flight ).
Frequently Asked Questions
What is Complaint #11049333 about?
Complaint #11049333 was filed against American Express Company regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-12-05T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against American Express Company?
Yes, visit the American Express Company company profile at readthecomplaint.com/company/american-express-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.