Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (MD)

In XX/XX/XXXX, I was a platinum card member of 32 years with XXXX XXXX, in good standing, when my accounts were abruptly cancelled. When I contacted XXXX XXXX for explanation, I was told that I had " disputed too many charges, '' the determination made by the " responsible lending team. '' XXXX XXXX regarded my reported disputed charges as " buyer remorse '' and ignored my issue of potential fraud and unauthorized charges completely. I was penalized for reporting a recurring billing issue. The charges at issue, recurring monthly billing for XXXX memberships, were reported as " not authorized '' or " disputed '' to XXXX XXXX every month for 5 years. These recurring charges followed an initial reported not authorized charge from XXXX, in the amount of {$1000.00} ( also reported ). The recurring charge issue was reported monthly ( beginning XX/XX/XXXX through XX/XX/XXXX ) to XXXX XXXX ( over 130 times ), also reported by fax, and phone. I also communicated with XXXX by letter and phone, and met directly with the manager three times. I did not have a contract with XXXX to support the monthly billing. I also lived in Florida in XXXX, where there were no local XXXX. The gym manager said " not to worry, it has been taken care of. You do not have a contract. '' And the billing just continued. I was arguing for XXXX XXXX not to pay these charges. XXXX XXXX did not listen to its own customer. To investigate why XXXX XXXX cancelled my accounts, I contacted the vendor XXXX, again in XX/XX/XXXX. To my annoyance, XXXX had continued their solicitation and billing attempts for the non-existent memberships. I was able to stop the perpetual billing ( because the XXXX XXXX account was closed, they finally could not collect payment ), and highlight the serious irregularities going on. I also learned, that they were never contacted by XXXX XXXX to block the charges, nor stop the billing, despite my requests for over 5 years. XXXX XXXX just let it flow against my account. With the collusion of XXXX XXXX, XXXX overbilled me by {$6000.00}, I would like this paid back, and this fact makes me question my XXXX XXXX account balance as well. I mistakenly believed, the entire time, that XXXX XXXX was helping me with this issue. Every month XXXX XXXX sent me messages stating : " We have contacted the merchant '' and " We are investigating this issue. '' I also learned about data issues when attempting to fix my XXXX XXXX account in XX/XX/XXXX. The date of birth on my account was wrong, very strange after 32 years with XXXX XXXX, I have verified my date of birth many times, so this discovery was alarming and indicative that my XXXX XXXX personal data was corrupted. I sent my correct date of birth to XXXX XXXX by fax, and expressed my concern about personal data and balances. I notified XXXX XXXX and spoke to a rep about my compromised data concerns. The representative disregarded what I had to say about data integrity and said it was not possible. Following years of reporting these issues, contrary to my belief, there was no action by XXXX XXXX to block the charges, no consumer protection, no investigation, no merchant outreach, and incomplete credit for fraud charges. What happened to the XXXX XXXX advertised promise to help with consumer protection? What about the value of Membership? Loyalty? Nothing to back up the advertised slogan of " What 's in your wallet '' implying security and member service. I never had a conversation with a decision maker, no escalation. Every call was transferred until they dropped after 50 minutes of hold. XXXX XXXX has apparently no ability for outbound calls to connect with the customer to fix.