Consumer complaint received 2017-08-21
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express customer service verified that using the " XXXX XXXX '' to purchase a major appliance would entitle me to extended warranty and buyer protections. Purchase was then made XX/XX/XXXX, delivered XX/XX/XXXX, multiple problems could not be corrected and retailer refused to return/refund. A Buyer protection claim was made to American Express that was diverted, refiled, then refused. The reason the claim was denied was that " payment was not paid in full with card ''. I had used a {$XXXX} gift card with a {$XXXX} purchase. The " fine print '' of my credit card agreement said the opposite, that claim would be limited to portion of purchase made with card, Then I checked the fine print further. My denial letter had some VERY FINE PRINT at the bottom giving a Web site americanexpress.com/XXXX. Unlike the original list of 10 reasonable exclusions, this listed 28 below are so exclusive, I consider this FRAUD and MISREPRESENTATION as I ca n't think of any ordinary item that would not be excluded. To protect the public, I would like the CFPB to determine if American Express ( XXXX XXXX XXXX ) should be able to deny my claim. 1. animals and living plants ; 2. one-of-a-kind items ( including, but not limited to, antiques, artwork, and furs ) ; 3. limited edition items ; 4. going-out-of-business sale items ; 5. consumable or perishable items with limited life spans ( including, but not limited to, food, perfume, light bulbs, and batteries ) ; 6. jewelry ( including, but not limited to, loose gems, precious stones, metals, and pearls ) ; 7. watches ; 8. services and additional costs ( including, but not limited to, installation charges, warranties, shipping, handling or memberships ) ; 9. rare and precious coins ; 10. purchased used and/or altered items ( including, but not limited to, purchases at auction sites and second-hand stores ) 11. custom-built items ; 12. compact discs, digital video discs, mini discs, audiotapes, videotapes ; 13. computer software ; 14. firmware ( including, but not limited to, console games, etc. ) ; 15. maps ; 16. books, magazines or periodicals of any kind ; 17. health care items and /or medical equipment ( including, but not limited to, blood pressure machines and diabetes equipment, items or supplies used for maternity care ) ; 18. personal hygiene items ( including, but not limited to, all electrical or non-electrical toothbrushes, razors, or any devices ( medical or non-medical ) that have been personally used and could be considered a health risk to others ) ; 19. formal wear ( including, but not limited to, bridal wear, gowns, prom dresses, and tuxedos ) ; 20. tickets of any kind ( including, but not limited to, transportation passes or tickets and event tickets ) ; 21. motorized vehicles ( including, but not limited to, cars, trucks, motorcycles, boats, and airplanes ), their parts and accessories ( e.g. car battery ) as well as those parts and accessories intended for use with the motorized vehicles ( e.g. a trailer or audio or visual components ) ; 22. land, buildings and fixtures ( including but not limited to, central air conditioner, built-in kitchen appliance and water heater ) ; 23. firearms ; 24. ammunition ; 25. negotiable instruments ( including, but not limited to, promissory notes, stamps, and travelers checks ) ; 26. cash and its equivalent ( including, but not limited to, gift cards and gift certificates ) ; and 27. items permanently affixed to home, office, vehicles, etc. ( including, but not limited to, garage door openers and car alarms ) ; 28. seasonal items ( including but not limited to holiday decorations and costumes )

Company response to consumer: Closed with explanation