Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5991535
Complaint Overview
Complaint ID: 5991535
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: Texas
ZIP Code: 79413
Date Received: 2022-09-17T12:00:00-05:00
Date Sent to Company: 2022-09-17T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022, XXXX XXXX ( a subscription merchant ) charged my American Express card {$71.00}. I found this amount excessive as I had paid an amount around {$20.00} the year prior and do not recall being provided any documentation at any time indicating that the subscription would renew at this amount. I contacted the merchant on XX/XX/XXXX asking them to withdraw that charge. They refused. I then asked the merchant on the same date to provide me documentation showing that I had agreed to be charged the amount in question. They did not respond to my request. On XX/XX/2022, I opened a billing dispute with American Express. On XX/XX/2022, American Express closed the dispute indicating that they found the charge to be valid. They said that I can contact them via Chat within 30 days if I wanted to reopen the dispute. On XX/XX/2022, I opened an online chat with American Express and asked them to provide detail as to the extent of their inquiries on the matter. They indicated that they asked the merchant for a receipt and when one was provided, they deemed the charge valid. I indicated my dissatisfaction with that line of inquiry and requested that they ask the merchant to provide a contract indicating that I agreed to be charged the amount that I was. The agent said that he needed to collect some information to reopen the inquiry, and then asked me to provide information that was irrelevant or that I could not possibly provide. When I pointed this out, the agent stopped responding and the chat went no further. On XX/XX/2022, I opened another online chat with American Express and indicated that I wished to reopen the dispute. The agent said that they would escalate to a supervisor and I was asked to stay there for a supervisor. I received a message saying that the supervisor would be available in " about two minutes ''. I waited more than 10 minutes and nobody came to talk to me. I assumed that I was again being ignored as I had been on XX/XX/XXXX.
Frequently Asked Questions
What is Complaint #5991535 about?
Complaint #5991535 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 2022-09-17T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with monetary relief". 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.