Consumer complaint received 2025-09-19 00:00:00
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
State: NV

Complaint narrative:
To Whom It Concern for dispute resolution, I have experienced significant prejudice regarding American Express credit card dispute handling controls, which potentially violate the spirit and intent of Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( CFPA ). Title X of Dodd-Frank established the Consumer Financial Protection Bureau ( CFPB ) with the core mission of protecting American consumers from harmful practices within the financial industry. A critical aspect of this protection lies in the effective handling of credit card disputes, allowing consumers recourse when facing stubborn and unfaithful credit card issuers. I, XXXX XXXX, am currently being held liable for disputed charges despite providing strong evidence. I have concerns about inadequate training for XXXX  XXXX XXXX staff handling dispute resolutions. The shortcomings in the Amex dispute handling processes raise serious questions about their compliance with consumer protection standards and the principles underpinning the CFPB 's creation. The Dodd-Frank Act, through the establishment of the CFPB, aimed to empower consumers and hold financial institutions accountable for fair practices. Inadequate dispute resolution mechanisms directly undermine this objective. I, XXXX XXXX, respectfully request a full and permanent settlement of the dispute in my favor. 
According to Amex XXXX XXXX, XXXX. This code applies when the goods or services are not as advertised or described, making the cardholder feel deceived. XXXX Not As Described : This code is used when the received goods or services do not match the agreed-upon terms or quality. Services Not Received. This code is applicable when the cardholder did not receive the goods or services they paid for. According to Amexs terms of service, Amex encourages merchants to maintain high ethical standards and comply with Amexs rules and regulations. I respectfully request that these charges be disputed. I am requesting a full reversal of the misrepresented transactions. The Merchant has stopped communicating with me and makes no effort to provide services to me. 

I am burdened by financial and emotional distress as a result of XXXX XXXX 's deceptive practices. I am seeking justice and restitution for the damages incurred. Please grant me a reversal of transactions for my peace of mind and financial stability. I received no benefit and am a victim of unethical business practices. Please altruistically consider my circumstances. Your assistance is appreciated. 

I am requesting claims and defenses under Federal law 15 USC 1666i. This section specifies the cardholder 's liability is the value of the disputed transactions when the issuer is notified. Regulation Z, specifically 1026.12 of the TILA contains special credit card provisions that limit my liability. According to California Financial Code Section 2102, 17000 and Federal law principles. I reserve the right to refund. Consumers should be protected from financial loss. The Fair Credit Billing Act safeguards consumers from financial loss. I am requesting a reversal of multiple transactions due to material misrepresentation perpetrated by the merchant. I am withholding payment on the disputed charge ( s ) Please grant me a 100 % reversal because I was defrauded. I am now educating myself about these consumer laws, financial concepts, interest rates, credit card disputes, and Amex card member agreement. I was recently diagnosed with XXXX, which impaired my judgment and reaction time to this unconscionable activity. XXXX have sided with me, and I trust Amex will align with me. Thank you for your continued service and dedication to protecting customers The merchant, XXXX XXXX, perpetuates online mass marketing fraud with a wake of victims banding together. XXXX XXXX demonstrated a clear lack of ethical standards and has violated the Amex rules and regulations for merchants accepting their credit card customers. Due to his complete lack of communication and unauthorized use of credit card information, reconciliation is impossible. This is a common theme of victims of XXXX XXXX. I asked Amex to please reverse the transaction and let XXXX XXXX and me continue our dispute outside of Amex 's purview. 

According to Amexs terms of service, card issuers encourage merchants to maintain high ethical standards and comply with XXXX XXXX rules and regulations. XXXX XXXX, has demonstrated a clear lack of ethical standards and has violated XXXX rules and regulations. This is not a case of buyer 's remorse. I am exercising the chargeback right through my credit card issuer Amex. 




The agreement states, " XXXX XXXX XXXX agrees to return the full principal amount of {$41000.00}, along with the adjusted interest of {$1500.00}, totaling {$43000.00}, no later than 30 days from the date the capital was received by XXXX XXXX XXXX. In the event of failure to repay this amount by the agreed deadline, the XXXX acknowledges legal responsibility to pay the full amount and agrees that XXXX XXXX reserves the right to initiate a chargeback or take legal action to recover the outstanding balance. '' Its important to note I have reported the merchant to the regulating authorities for misuse of credit card information, misrepresentation, and mass marketing fraud. I have followed the Internet Crime Complaint Center, FTC and SEC suggestions for reporting this transaction to Amex as fraud. 

Ive also connected with several others who were scammed in the same way. Theyve experienced the same : refund refusals, surprise fees, and unauthorized transactions. In many cases, when people posted bad reviews, they were pressured to remove them through threats of legal action, offers of partial refunds, or claims of fake reviews. 
Please see the attached url and images of the reviews publicly online. 
XXXX XXXX XXXXXXXX Recent case law applicable to my dispute : XXXX XXXX  filled XX/XX/XXXX from the United States District Court Southern District of Florida , Federal Trade Commission VS Ecom Genie Consulting , et all pursuant to Sections 13 ( b ) and 19 of the FTC Act, 15 U.S.C . 53 ( b ), 57b, and the Business Opportunity Rule. 2. Defendants use deceptive earnings claims to lure consumers into investing tens of thousands of dollars times borrowed against consumers ' homes and retirement funds to purchase what Defendants advertise as a surefire business opportunity. Touting their " track record of success '' and a " money-back guarantee, '' Defendants claim that purchasers will earn substantial passive income from e-commerce stores managed by Defendants. In reality, the promised earnings rarely, if ever, materialize, and most consumers lose substantial amounts. 3. The Business Opportunity Rule is designed to help prospective purchasers evaluate the risks to investing in a new business by prohibiting misrepresentations and requiring sellers to disclose key information such as substantiation for any earnings claims, past litigation history, and contact information for prior purchasers. Defendants routinely misrepresent the company 's refund policy, and potential earnings and fail to make any of the required disclosures to prospective purchasers.

XXXX XXXX filled Filed XX/XX/XXXX from the United States District Court Central District of Califonia , Federal Trade Commision VS Acend Capventures Inc , et all The FTC brings this action for Defendants violations of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), the FTCs Trade Regulation Rule entitled Disclosure Requirements and Prohibitions Concerning Business Opportunities ( Business Opportunity Rule or Rule ), 16 C.F.R. Part 437, as amended, and the Consumer Review Fairness Act ( CRFA ), 15 U.S.C. 45b. For these violations, the FTC seeks relief, including a temporary, preliminary, and permanent injunction ; monetary relief ; and other relief, including an asset freeze, appointment of a receiver, and immediate access to Defendants business premises, pursuant to Sections 13 ( b ) and 19 of the FTC Act, 15 U.S.C. 53 ( b ), 57b, the Business Opportunity Rule, and the CRFA. After consumers invest, the promised gains never materialize, and consumers are left with depleted bank accounts and hefty credit card bills. Defendants scheme has defrauded consumers of at least {$25.00} million.

XXXX XXXX Filed XXXX  from the United States District Court Eastern District of Pennsylvania , Federal Trade Commission VS ECOMMERCE EMPIRE BUILDERS et all . The FTC brings this action for Defendants violations of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ) ; the FTCs Trade Regulation Rule entitled Disclosure Requirements and Prohibitions Concerning Business Opportunities ( Business Opportunity Rule or Rule ) 16 C.F.R. Part 437, as amended ; and the Consumer Review Fairness Act ( CRFA ), 15 U.S.C. 45b. For these violations, the FTC seeks relief, including a temporary, preliminary, and permanent injunction, monetary relief, and other relief, pursuant to Sections 13 ( b ), and 19 of the FTC Act, 15 U.S.C. 53 ( b ), 57b ; the Business Opportunity Rule ; and the CRFA. Defendants market their business opportunities as Done For You Services, Case XXXX Filed XX/XX/XXXX from the United States District Court District of New Jersey , Federal Trade Commission VS THEFBAMACHINE INC et all , The FTC brings this action for Defendants ' violations of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ) ; the FTC 's Trade Regulation Rule entitled " Disclosure Requirements and Prohibitions Concerning Business Opportunities '' ( " Business Opportunity Rule '' or " Rule '' ), 16 C.F.R. Part 437, as amended ; and the Consumer Review Fairness Act ( " CRFA '' ), 15 U.S.C. 45b. For these violations, the FTC seeks relief, including a temporary, preliminary, and permanent injunction ; monetary relief ; and other relief, including an asset freeze, appointment of a receiver, and immediate access to Defendants ' business premises, pursuant to Sections 13 ( b ) and 19 of the FTC Act, 15 U.S.C. 53 ( b ), 57b ; the Business Opportunity Rule ; and the CRFA. 

Case XXXX Filled XX/XX/XXXX from the United States District For The Southern District of Florida Federal Trade Commission VS DK AUTOMATION LLC The FTC brings this action under Sections 5 ( a ), ( m ) ( 1 ) ( A ) - ( B ), 13 ( b ), and 19 of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ) - ( B ), 53 ( b ) and 57b, which authorize the FTC to seek, and the Court to order, temporary, preliminary, and permanent injunctive relief, monetary relief, civil penalties, and other relief for Defendants acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), the FTCs Trade Regulation Rule entitled Disclosure Requirements and Prohibitions Concerning Business Opportunities ( Business Opportunity Rule or Rule ), 16 C.F.R. Part 437, as amended, the Consumer Review Fairness Act of 2016 ( CRFA ), 15 U.S.C. 45b, and prior Commission determinations concerning unfair and deceptive acts or practices in commerce. The amended Business Opportunity Rule became effective on XX/XX/XXXX, and has since that date remained in full force and effect. 

I have enlisted the local San Jose police department, the California Department of Financial Innovation and Protection, the California Department of Justice, the California Department of Consumer Affairs, the Better Business Bureau, SEC, the Internet Crime Complaint Center, the Consumer Financial Protection Bureau, International Consumer Protection and Enforcement Network ( ICPEN ) California Privacy Protection Agency and the Federal Trade Commission. While these agencies may have different jurisdictions and specific mandates, they share common goals of protecting consumers like myself. 

With clean hands and good faith, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation