Credit card -- Problem with a purchase shown on your statement -- Complaint #18263174
Complaint Overview
Complaint ID: 18263174
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: Kentucky
ZIP Code: 420XX
Date Received: 2025-12-23T12:00:00-05:00
Date Sent to Company: 2025-12-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Merchant : XXXX ( {$2400.00} ) FTC Report Number : XXXX I am filing this complaint against American Express for failing to conduct a reasonable investigation into a " Services Not Rendered/ Misrepresented '' dispute, as required by the Fair Credit Billing Act ( FCBA ). The Facts : ( Please see the attached 4-page 'Rebuttal to Chargeback Dispute ' for a point-by-point refutation of merchant claims and copies of their own support tickets admitting the service failed. ) Failure to Deliver : I authorized a charge of {$2400.00} based on the contractual promise of " qualified, responsive leads. '' The merchant failed to deliver this. The majority of leads provided were unresponsive, and several were confirmed deceased through professional real estate lookup tools. Merchant Misrepresentation : The merchant claims I am " walking away '' with digital assets ( website/marketing ). This is false. These assets are proprietary to their platform and are disconnected upon termination, providing XXXX residual value. Predatory Refund Terms : The merchant 's refund policy is structured to be practically impossible to fulfill, requiring 12 months of daily XXXX activity on non-viable leads. This is a " bad faith '' contract term designed to circumvent consumer protection. Bank Failure : American Express closed my dispute stating the charge was " authorized. '' I have never denied authorization ; I am disputing the performance of the contract. Under the FCBA, banks are required to investigate when a merchant fails to deliver goods or services as agreed. Amex has ignored the evidence of service failure and focused solely on the transaction 's authorization.
Frequently Asked Questions
What is Complaint #18263174 about?
Complaint #18263174 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 2025-12-23T12:00:00-05:00.
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.