Consumer complaint received 2017-02-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I claimed billing errors to AMEX on these dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX. I alleged the merchant never delivered all of the services I paid for ( {$8000.00} ). 

Repeatedly, AMEX failed to thoroughly and properly determination as to whether all the services were delivered or not. It is undisputed that all the contracted services were NOT delivered because I terminated the contract early due to the fact that the merchant 's services were deficient, not delivered as agreed upon, and misrepresented. 

AMEX XXXX VIOLATIONS OF FCBA LAWS 1 ) On XXXX/XXXX/XXXX I filed my most recent billing error letter with AMEX via US mail. Over 3 months later, on XXXX/XXXX/XXXX I called AMEX to ask what their ruling was. It was during this call that I learned AMEX alleged they had mailed a letter to me on XXXX/XXXX/XXXX. This was strange to hear because I had always received all other letters from AMEX except this XXXX. Today, on XXXX/XXXX/XXXX, I received AMEX letter, dated XXXX/XXXX/XXXX, informing me they had ruled against me regarding my XXXX/XXXX/XXXX dispute of a {$7500.00} charge. AMEX notified me after 90 days after I mailed my " billing error '' dispute letter to AMEX at their " billing error '' address. Per FCBA AMEX had to mail their decision NO LATER than 90 days after I advised them in writing of my dispute due to " billing errors ''. 

2 ) AMEX has repeatedly failed to make appropriate corrections on my account, including their failure to credit amounts erroneously billed. 

3 ) AMEX has failed to transmit to the obligor a notification of such corrections and the creditor 's explanation of any change in the amount indicated by the obligor under paragraph ( XXXX ) and copies of documentary evidence of the obligor 's indebtedness. AMEX has not provided accurate or substantive evidence that proves my indebtedness per FCBA guidelines. 

XXXX ) More importantly, AMEX has failed to prove I did receive all the legal services listed in the retainer that I paid for ; because my billing error alleged the merchant charged me for services I never received, AMEX repeatedly declared I " did '' receive all the services I paid for based solely upon the Merchant 's claim. AMEX has repeatedly failed to fulfil the FCBA requirement that they must thoroughly investigate to make a proper determination as to whether all the {$8000.00} services listed in the retainer were actually delivered to me and provide proof of this to me per my request. Because AMEX has repeatedly failed to meet this FCBA requirement, I am released from such indebtedness. 

Given the aforementioned, I am asking your organization to enforce the consequence that AMEX can no longer require me to pay the {$7500.00}, a sum I have disputed since XXXX XXXX, because they repeatedly failed to prove and properly determine that all the services I paid for were delivered ... .and because they have failed to deliver proof to me that " all '' the services I paid for ( {$7500.00} ) were delivered to me.

Company response to consumer: Closed with explanation