Credit card -- Problem with a purchase shown on your statement -- Complaint #13206068
Complaint Overview
Complaint ID: 13206068
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: Ohio
ZIP Code: 44102
Date Received: 2025-04-27T12:00:00-05:00
Date Sent to Company: 2025-04-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding a billing dispute that was mishandled by American Express. I was charged {$1500.00} and {$900.00} ( XXXX separate purchases ) by XXXX XXXX for goods and services that were not provided. Specifically, I purchased XXXX XXXX gift certificate credits during my visit. However, I was never given or able to use these credits, meaning a significant portion of the transaction involved goods that were never delivered. I filed a dispute with Amex based on non-receipt of goods/services, which is a valid basis under the Fair Credit Billing Act ( FCBA ). However, my dispute was denied solely because I had signed an authorization form at the club. Signing a form does not negate the merchants responsibility to deliver the purchased goods. I submitted a sworn statement to the credit card company explaining that the XXXX XXXX credits were never provided to me, but the credit card company refused to properly investigate this issue or consider the merchants failure to deliver the purchased items. I am requesting that Amex re-investigate the dispute properly, taking into account the non-receipt of goods/services, and issue a refund for the portion of the charge related to the undelivered XXXX Roses credits. Supporting documentation ( receipt, dispute statement ) can be provided if needed.
Frequently Asked Questions
What is Complaint #13206068 about?
Complaint #13206068 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 2025-04-27T12:00:00-05:00.
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.