Credit card -- Problem with a purchase shown on your statement -- Complaint #9448855
Complaint Overview
Complaint ID: 9448855
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: Utah
ZIP Code: 84601
Date Received: 2024-07-06T12:00:00-05:00
Date Sent to Company: 2024-07-06T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX, Attorneys at Law American Express Customer Advocate Services Team XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dispute Clarification and Resolution for XXXX XXXX Dear American Express Customer Advocate Services Team, I am writing on behalf of my client, XXXX XXXX, regarding several unresolved disputes on his American Express account ending in XXXX. Below are the details of each dispute : Dispute XXXX : XXXX XXXX provided diagnostic reports from three separate mechanics indicating that the car was not repaired as claimed. Despite submitting new information in XXXX, XXXX, XXXX, and XX/XX/year>, AMEX did not contact the merchant after XX/XX/year>. While XXXX XXXX accepted the goodwill compensation of {$1800.00}, this was not intended as a final settlement. We seek clarification on why the dispute was not resolved in his favor, given the substantial evidence provided. Dispute XXXX : The merchant allowed XXXX XXXX to return the item after 30 days due to his being out of the country. Evidence of this exception was provided in the email sent to AMEX. However, AMEX confused this dispute with XXXX. We request that AMEX reviews and corrects this oversight. Dispute XXXX : XXXX XXXX paid a total of {$10000.00} ( {$5000.00} down payment and {$5000.00} towards the loan ) but received a refund of only {$7500.00}, leaving {$2400.00} unaccounted for. AMEX stated that the merchant refunded {$2400.00} more than what was billed, but this does not align with XXXX XXXX payment records. We request a review and correction of this discrepancy. By failing to properly investigate XXXX XXXX disputes and not contacting the merchant after receiving new information, AMEX may be in violation of the FCBA. This law is designed to protect consumers from inaccurate billing and ensure that disputes are handled thoroughly and fairly. We kindly ask that you re-evaluate these disputes with the provided evidence in this CFPB report and correct any errors. Please examine the enclosed documents thoroughly and contact XXXX to discuss and resolve these issues promptly. Failure to address these disputes adequately will leave us no choice but to pursue further legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Attorneys at Law
Frequently Asked Questions
What is Complaint #9448855 about?
Complaint #9448855 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 2024-07-06T12:00:00-05:00.
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) 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.