Consumer complaint received 2024-08-31
Product: Credit 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 (CA)

Dispute Resolution Request Unauthorized Charge for Returned Vehicle Account Number : Ending In, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account. 
Transaction Date : XX/XX/XXXX Transaction Amount : {$11000.00} XXXX XXXX XXXXXXXX XXXX # XXXX Merchant : XXXX XXXX XXXX Dear American Express Dispute Resolution Team, I am writing to formally request a reconsideration of a dispute that I initially filed in XX/XX/XXXX concerning a vehicle purchase from XXXX XXXX XXXX in XX/XX/XXXX. Unfortunately, despite providing valid reasons and sufficient evidence, my dispute was declined. I believe this decision is not only incorrect but also unfair given the circumstances of the transaction. 

Background : In XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX. The vehicle was advertised without adequately describing significant mechanical and structural problems that I discovered after taking possession. These issues were severe enough that they rendered the vehicle unsafe and not as described. Given the significant discrepancies between the vehicles advertised condition and its actual state, I promptly contacted XXXX to resolve the issue. 

The vehicle also came with cockroaches and XXXX XXXX and XXXX  inside of the vehicle making a biohazard. 

Despite my efforts to address the situation directly with XXXX, they failed to offer a satisfactory resolution. Consequently, I returned the vehicle to XXXX and initiated a dispute with American Express in XX/XX/XXXX, explaining that the transaction should be voided due to the merchants failure to accurately represent the vehicle and their refusal to address the discrepancies. 

Present Situation : To my dismay, my dispute was declined, and I have been held responsible for the payment of the vehicle, which I no longer possess. I have now been paying off this vehicle for the last 16 months, despite not having the vehicle in my possession. This situation has resulted in a significant financial burden as I have neither the vehicle nor the funds that were charged to my account.

Request : Given the facts of the case, I respectfully request that American Express reopens my dispute and reconsiders its decision. The basis of my dispute is that I returned the vehicle to XXXX, and the transaction should have been canceled due to the merchants misrepresentation of the product.

I kindly ask for the following resolution :

1. Refund the full amount of the transaction to me. 2. Cease further charges and associated interest on the disputed amount. 3. Provide compensation for the undue financial stress and inconvenience caused by this situation. I have attached all relevant documents, including proof of the vehicles return to XXXX, the original auction listing, and correspondence with XXXX. I am confident that upon reviewing this evidence, you will agree that the original dispute was valid and that a refund is warranted.

Thank you for your prompt attention to this matter. I look forward to your favorable response and resolution. 

Sincerely, XXXX XXXX