Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX XXXX American Express Company American Express XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, New York United States XXXX Date : XX/XX/XXXX Dear American Express This letter is being sent to formally request a refund and or credit to my American Express Credit Card account ending in XXXX in the amount of {$2500.00}. These monies were paid in full for a XXXX XXXX XXXX XXXX XXXX bed purchased through XXXX XXXX, located at XXXX XXXX, XXXX, New York XXXX XXXX with a telephone number of ( XXXX ) XXXX. 

The furniture mentioned above was paid in full on XX/XX/XXXX, with the credit card held in my possession at that time ending in XXXX. 

Over the past year, there has been ongoing telephone communication with the merchant pertaining to delivery of the purchased bed. The merchant communicated that the bed was going to be delivered on or around XX/XX/XXXX. The bed was not delivered. The merchant then communicated that the bed was not in stock and would be delivered in or around XX/XX/XXXX. Again, the bed was not delivered. The merchant then communicated that the bed would be delivered in XXXX of XXXX. The bed was not delivered. After this, the merchant then communicated that the bed would be delivered in XXXX of XXXX. Again, the bed was not delivered. Lastly, the merchant informed that the bed would be delivered XX/XX/XXXX. The bed has still not been delivered. 

You, American Express has opened and overseen multiple disputes pertaining to the above-mentioned merchant and the refund amount of {$2500.00}. Most recently the dispute was reopened on XX/XX/XXXX, only to be closed shortly thereafter on XX/XX/XXXX. During telephone communication with an American Express Card representative held on XX/XX/XXXX. I was informed that the merchant was reached out to via email correspondence requesting the refunds. When I asked the American Express Card representative to provide the email correspondence sent to the merchant between XX/XX/XXXX, and when the dispute closed on XX/XX/XXXX. The email correspondence could not be provided. Therefore, it appears that the dispute was closed without due diligence to ensure that the refund amount was indeed received from the merchant. 

These charges are now being reflected on my credit card as an amount that I am responsible for paying. It is important to add that as an active-duty uniform service officer serving this country dutifully. I do not shy away from and take my financial obligations very seriously. However, from the series of events that have taken place over the past year pertaining to the above-mentioned merchant. The amount of {$2500.00} should NOT be my financial obligation. 

Therefore, I am issuing this demand letter that the amount of {$2500.00} be credited to my account by XX/XX/XXXX, or a court filing WILL be filed against you. In addition to the refund amount, a request for reimbursement of filing fees, attorneys fees, and any other costs associated with obtaining the refund amount may be pursued. 

Sincerely, XXXX XXXX XXXX