Consumer complaint received 2024-03-07
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)

I am filing this complaint against American Express Credit Card bank XXXX XXXX Department ) due to a legal dispute in the amount of {$4100.00} that I filed with Amex against the Merchant " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ' on XX/XX/2024. However, on XX/XX/2024, American Express Dispute Department quickly contacted me back with a denied dispute claim with a simple reason stated as : '' My claim is invalid and classified as a Tort Claim ''. I contacted American Express Dispute department back on that same day and I explained to American Express that my disputed claim is not a Tort claim. The Merchant has failed to provide me with a satisfactory service, and their service did not meet my expectation in term of satisfactory results as they promised. Brief background History : On XXXX, I visited the Merchant " XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX to receive a XXXX XXXX XXXX to make my XXXX and XXXX XXXX  look at least 15 years younger as they advertised on XXXX and XXXX, and they also promised me that their XXXX  will definitely get rid of all of my XXXXXXXX XXXX XXXX XXXX  At the Merchant Office Visit, the Merchant promised me that after the initial treatment at their XXXX XXXX, I will see an immediate result and all of my XXXX XXXX XXXX XXXX XXXX  will disappear 75 % right away, and totally gone within two months. Unfortunately, their promises are not true and totally misleading. After several treatments at the Merchant XXXX XXXX during my four weeks vacation in XXXX, my face still has XXXX XXXX XXXX XXXX XXXX  are still there as well. I am very disappointed with their service and misleading promises, and truly it is unfair for me to pay for a scam result, unsatisfied service, misleading advertising with an attempt to lure me as a customer into their service. American Express dispute department did not even bother to take the appropriate time to investigate my dispute throughly by contacting the Merchant. But American Express quickly jumped into a conclusion to deny my dispute claim as a Tort claim. The legal definition of Tort claim is defined as follow : According to the legal definition given by XXXX XXXX XXXX, a tort claim outlines an act that causes injury or harm to another party, amounting to a civil wrong that allows the courts to assign liability. Specifically, an injury, in this case, can mean any imposition on another persons legal rights. Further, the legal understanding of harm in a tort claim is meant to describe a victims overall losses. In my situation, my claim is not a tort claim as there was no injury or harm to my face or neck. Just I did not get a result with wrinkles free to my neck or face as promised by the Merchant. Therefore, the result is unsatisfactory and misleading promised by the Merchant. I therefore hereby demand the full refund of my money charge to my American Express account, and it is truly unfair for me to pay for a scam and misleading service. I exercise my legal right protection under the Fair Credit Billing Act.