Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5130962
Complaint Overview
Complaint ID: 5130962
Company: American Express Company
Product: Credit card or prepaid 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 Jersey
ZIP Code: 08046
Date Received: 2022-01-20T12:00:00-05:00
Date Sent to Company: 2022-01-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I sent a billing error dispute through US Postal Certified mail on XX/XX/2021. The customer service team confirmed that they received my I have called several times for an update on this resolution and they have not sent any correspondence through the mail acknowledging that they are still working on this matter. It has now been 3 billing cycles ( 94 days ). I am now demanding that the late payments AMEX submitted to the CRAs be removed for the months of XXXX and XX/XX/2021 as AMEX went against their own terms and tried to collect on a disputed amount and reported negative activity to the CRAs. I am also demanding a lawful refund of all payments made toward the disputed amount in the total of {$3400.00} as AMEX received my dispute and chose to not respond to my dispute. Pursuant to federal law, CFR XXXX ( f ), AMEX did not resolve this dispute nor send an explanation or provide documentary evidence as requested in the debt validation letter sent on XX/XX/2021 as well. Therefore I am demanding the remedies set forth in this complaint.
Frequently Asked Questions
What is Complaint #5130962 about?
Complaint #5130962 was filed against American Express Company regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2022-01-20T12:00:00-05:00.
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 or prepaid 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.