Credit card -- Problem with a purchase shown on your statement -- Complaint #19894660
American Express Accused of Failing to Resolve Credit Card Purchase Dispute
Complaint Overview
Complaint ID: 19894660
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: New York
ZIP Code: 11375
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-03-02T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The credit card company's failure to address a disputed purchase could indicate a pattern of poor customer service or a lack of robust dispute resolution processes.
Consumer Sentiment: negative
Topics: Credit card disputes, Purchase disputes, Customer service
AI Analysis
CFPB complaint 19894660 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 is disputing a purchase on their credit card statement with American Express, but the company has not resolved the issue. The complaint was received on February 28, 2026 from New York. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should meticulously document all communication with their credit card company regarding disputes and consider escalating the issue if it remains unresolved.
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 for purchases.
Regulatory Insight
Regulators may scrutinize companies that demonstrate a pattern of not adequately resolving consumer disputes, potentially leading to enforcement actions.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint was filed in New York, a state with consumer protection laws that may offer additional recourse.
Industry Comparison
This issue is common across the credit card industry, where disputes over purchases are a frequent source of consumer complaints.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19894660 about?
CFPB complaint 19894660 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 February 28, 2026.
Which company is complaint 19894660 filed against?
Complaint 19894660 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 19894660?
AMERICAN EXPRESS COMPANY responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19894660 filed?
Complaint 19894660 was received by the CFPB on February 28, 2026. It was sent to AMERICAN EXPRESS COMPANY on March 2, 2026.
What state was complaint 19894660 filed from?
Complaint 19894660 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 19894660?
Dispute information is not available for complaint 19894660.
What product category is complaint 19894660 about?
Complaint 19894660 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 19894660 submitted?
Complaint 19894660 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 19894660?
Under the Fair Credit Billing Act (FCBA), consumers have the right to dispute billing errors, including unauthorized charges or incorrect amounts for purchases. This relates to a Credit card complaint against AMERICAN EXPRESS COMPANY involving "Problem with a purchase shown on your statement".
How likely is complaint 19894660 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19894660?
This complaint is rated as medium risk. The credit card company's failure to address a disputed purchase could indicate a pattern of poor customer service or a lack of robust dispute resolution processes.
What regulatory actions apply to complaint 19894660?
Regulators may scrutinize companies that demonstrate a pattern of not adequately resolving consumer disputes, potentially leading to enforcement actions. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19894660?
Consumers should meticulously document all communication with their credit card company regarding disputes and consider escalating the issue if it remains unresolved.
Are there state-specific protections for complaint 19894660?
The complaint was filed in New York, a state with consumer protection laws that may offer additional recourse. This complaint was filed from New York.
How does complaint 19894660 compare to industry norms?
This issue is common across the credit card industry, where disputes over purchases are a frequent source of consumer complaints.
What are the typical timeframes for a credit card company to resolve a purchase 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 after receiving proper notification.
What steps can a consumer take if their credit card company fails to resolve a dispute?
Consumers can escalate the complaint to the CFPB, file a complaint with their state's Attorney General, or consult with a consumer protection attorney.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.