Credit card -- Problem with a purchase shown on your statement -- Complaint #18425302
American Express Fails to Resolve Credit Card Purchase Dispute
Complaint Overview
Complaint ID: 18425302
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: California
ZIP Code: 91730
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2026-01-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The company's failure to address a disputed charge could indicate systemic issues in their dispute resolution process, potentially affecting other consumers.
Consumer Sentiment: negative
Topics: Credit card disputes, Billing errors, Consumer protection
AI Analysis
CFPB complaint 18425302 was filed against AMERICAN EXPRESS COMPANY regarding Credit card (General-purpose credit card or charge card), specifically about "Problem with a purchase shown on your statement". A consumer disputed a purchase on their credit card statement, but the credit card company, American Express, did not resolve the dispute. The complaint was received on December 31, 2025 from California. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all communications and evidence related to disputed charges and be prepared to escalate their complaint if necessary.
Legal Context & Consumer Protection Laws
Under the Fair Credit Billing Act (FCBA), consumers have the right to dispute billing errors, including unauthorized charges or incorrect amounts.
Regulatory Insight
This case highlights the importance of timely and fair dispute resolution by credit card issuers, as mandated by consumer protection regulations.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in California (CA).
Industry Comparison
Dispute resolution processes can vary among credit card companies, with some offering more robust and consumer-friendly procedures than others.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18425302 about?
CFPB complaint 18425302 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Problem with a purchase shown on your statement", specifically "Credit card company isn't resolving a dispute about a purchase on your statement". This complaint was filed against AMERICAN EXPRESS COMPANY on December 31, 2025.
Which company is complaint 18425302 filed against?
Complaint 18425302 was filed against AMERICAN EXPRESS COMPANY. You can view all complaints against this company on their profile page at /company/american-express-company.
What was the company's response to complaint 18425302?
AMERICAN EXPRESS COMPANY responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18425302 filed?
Complaint 18425302 was received by the CFPB on December 31, 2025. It was sent to AMERICAN EXPRESS COMPANY on January 2, 2026.
What state was complaint 18425302 filed from?
Complaint 18425302 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 18425302?
Dispute information is not available for complaint 18425302.
What product category is complaint 18425302 about?
Complaint 18425302 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 18425302 submitted?
Complaint 18425302 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18425302?
Under the Fair Credit Billing Act (FCBA), consumers have the right to dispute billing errors, including unauthorized charges or incorrect amounts. This relates to a Credit card complaint against AMERICAN EXPRESS COMPANY involving "Problem with a purchase shown on your statement".
How likely is complaint 18425302 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18425302?
This complaint is rated as medium risk. The company's failure to address a disputed charge could indicate systemic issues in their dispute resolution process, potentially affecting other consumers.
What regulatory actions apply to complaint 18425302?
This case highlights the importance of timely and fair dispute resolution by credit card issuers, as mandated by consumer protection regulations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 18425302?
Consumers should keep detailed records of all communications and evidence related to disputed charges and be prepared to escalate their complaint if necessary.
Are there state-specific protections for complaint 18425302?
The consumer is located in California (CA). This complaint was filed from California.
How does complaint 18425302 compare to industry norms?
Dispute resolution processes can vary among credit card companies, with some offering more robust and consumer-friendly procedures than others.
What steps can a consumer take if their credit card company denies a dispute resolution?
If a dispute is denied, the consumer can escalate the complaint to the CFPB, file a chargeback with their bank, or consider legal action if the amount is significant.
How long does a credit card company typically have to resolve a dispute?
Under the FCBA, credit card companies generally have two billing cycles, but no more than 90 days, to investigate and resolve a billing dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.