Consumer complaint received 2025-06-28 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: AP

Complaint narrative:
XXXX ) THIS COMPLAINT IS REGARDING AMERICAN EXPRESS TRAVLE ( AMERICAN EXPRESS COMPANY ) AND XXXX XXXX FAILURE TO HONOR AMEX XXXX HOUR CANCELLATION FOR FULL REFUND GUARANTEE ADVERTISED AFTER I DID TIMELY CANCEL THIS IN COMPLIANCE WITH THE AMEX FARE RULES. AND BECAUSE OF..... 

Because OF AMEX-TRAVEL and XXXX XXXX XXXX AND DECEPTIVE PRACTICES THAT HAS DEFRAUDED ME DUE FULL REFUND {$370.00} DUE UNDER AMEX-TRAVEL XXXX XXXX CANCELLATION FOR REFUND GUARANTEE BUT ANNEX REFUSED TO HONOR... I REQUEST AMEX-COMPANY IMMEDIATELY SUSPEND CEASE AND DESIST ALL FURTHER ACTION AND COLLECTION OF DEBT PERTAINING TO THE UNLAWFUL AMEX-TRAVEL ( XXXX XXXX E-Ticket Number : XXXX ) UNLAWFULLY ISSUED BY AMEX-TRAVEL ON XXXX ...... 

XXXX ) BASED ON ADVICE OF COUNSEL AND MY FEDERAL CONSUMER PROTECTION RIGHTS UNDER FTC ACT AND CONSUMER FINANCIAL PROTECTION ACT AND FAIR CREDIT ACT. I REFUSE... AND DID NOT USE THE UNLAWFUL UNEXPIRED AMEX XXXX XXXX XXXX... AT TIME OF THIS FILING THE UNLAWFUL AMEX XXXX XXXX XXXX IS UN-EXPIRED AND UNUSED ...... 

XXXX ) I REQUEST AMEX-COMPANY IMMEDIATELY MAKE FULL REFUND {$370.00} BACK TO MY CARD IN COMPLIANCE WITH THE AMEX-TRAVEL ADVERTISED 24-HOUR CANCELLATION FOR FULL REFUND BACK TO CARD TICKET RULES GUARANTEE ADVERTISED BY AMEX WITH XXXX XXXX E-Ticket Number XXXX XXXX XXXX AS I HAVE OUTLINED IN FORMAL COMPLAINT BELOW. 
FOR :..... -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - IN THE UNITED STATES FEDERAL TRADE COMMISSION ( ANTI-TRUST COMPLAINT ) and..... 
CONSUMER FINANCIAL PROTECTION BUREAU..... 

XXXX XXXX DE XXXX..... 
( XXXX XXXX )..... 

Vs. 

AMERICAN EXPRESS XXXX and it's agent..... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX..... 

XXXX XXXX and AMERICAN EXPRESS TRAVEL IS SUBJECT TO FTC XXXX, CONSUMER FINANCIAL PROTECTION ACT, AND FAIR CREDIT ACT ...... 

C O M P L A I XXXX T..... 



XXXX A UNITED STATES CONSUMER SERVICE MEMBER LOCATED IN ( XXXX XXXX ) This case is brought against AMERICAN EXPRESS TRAVEL and XXXX XXXX for DEMAND on ( AMERICAN EXPRESS XXXX ) to immediately repay due {$370.00} FULL-REFUND back to my AMEX Credit card for the un-used and timely cancelled XXXX XXXX XXXX : XXXX ( MANILA-PHILIPPINES ( XXXX XXXX XXXX XXXX ( GUM ).... that I did timely cancel on XXXX within less than XXXX after I made the purchase from my then geographic time-zone location in country PHILIPPINES Standard Time Zone that is XXXX Hours XXXX XXXX XXXX ILLINOIS XXXX XXXX XXXX XXXX and AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX However,..... 

XXXX and XXXX specifically unfairly misrepresented and concealed the purchase time and dates and time of cancellation to unfairly prevent me getting Full Refund back to my card. Instead conspired unfairly forced a unlawful heavily restricted unlawful XXXX XXXX XXXX ( not part of the original XXXX cancellation guarantee ) upon me by deceptively Claiming the XXXX ILLINOIS XXXX XXXX XXXX XXXX XXXX XXXX system XXXX ticket issue dated was cancelled on XXXX outside the XXXX hour refund period solely based on AMEX and XXXX failure to account for the international date and time-zone XXXX that ( XXXX ) was in fact in real-time also ( XXXX ) within the XXXX hour cancellation guarantee as confirmed by XXXX time and Date stamp email confirmations from both AMEX and XXXX respectively. XXXX and XXXX deceptive XXXX defrauded me {$370.00}. Further XXXX and XXXX email and charge confirmations deceptively and unfairly DO NOT contain and the specific ( time of purchase ) information to not honor due full refund guarantee. When asked to provide time specific documentation for this ticket XXXX and AMEX refused AND GAVE FALSE INFORMATION CONTRARY TO OFFICIAL XXXX email time stamps...... disputes was filed with both AMEX and XXXX SEEKING TO RESPLVE THIS REFUND ISSUE THEY BITH CONTINUE TO REFUSE TO HONOR THE REFUND GURANTEE PLAYING IT OFF AS THE OTHERS RESPONSIBILITY. this violate my military consumer protection rights and constitutes is unfair or deceptive acts or practices in or affecting commerce contrary to Section XXXX FTC XXXX, contrary to the Consumer Financial Protection Act, and contrary to the Fair Credit Act...... 

I am entitled to a Full-Refund under the original AMEX-TRAVEL published XXXX fare rules " Cancel within XXXX hours for Full Refund back to your card Guarantee '' advertised by AMEX-TRAVEL with the Special XXXX XXXX XXXX XXXX XXXX that I XXXX XXXX XXXX XXXX XXXX website ( NOT XXXX Travel Credit )...... 

Indisputable ( EVIDENCE ) significantly relevant to this case and my right to Full-Refund are numerous indisputable evidence ; including official XXXX email XXXX establish [ " TIME and Date '' of PURCHASE ] and [ " TIME and date '' of CANCELLATION ] email confirmation from both AMEX-TRAVEL, AMEX AND XXXX specifically to this XXXX XXXX XXXX XXXX XXXX from XXXX XXXX Standard Time website and XXXX XXXX XXXX XXXX XXXX XXXX upon which XXXX XXXX XXXX XXXX Cancellation for Full refund member XXXX Fare rules guarantee is based. That includes..... 
The indisputable widely known and established fact that international Date and Time zone difference affecting online and international commerce is especially important to lawfully honor time based XXXX guarantees as the XXXX advertised by AMEX-TRAVEL XXXX XXXX CANCELLATION published fare rule AMEX XXXX. And information from my discussion with counsel and others. my direct own personal knowledge pertaining to this case indicate AMERICAN EXPRESS TRAVEL and XXXX XXXX as a business practice knowingly misrepresented and purposely ignored important international time zone differences, ignored date and time stamped purchase and cancellation information and ignored AMEX and XXXX own date and time stamped email alerts and confirmations to unfairly and deceptively defraud me and prevent honoring AMEX XXXX XXXX hour cancellation full refund guarantee, so XXXX can keep its commission from XXXX and XXXX me to use XXXX XXXX XXXX an unlawful travel credit. This is not all the information and evidence known to me but is sufficient to establish that AMEX and XXXX committed overt acts to deceive and unfairly defraud me due Full Refund that is multiple violations of federal law and my consumer protection rights and as I have outlined below. 
Specifically,..... 
XXXX published online information and my AMEX rewards travel account details indicate, on SAT XXXX AMERICAN EXPRESS XXXX operates its Online XXXX XXXX XXXX website based from XXXX WA XXXX, in the XXXX XXXX XXXX XXXX XXXX ) United States XXXX XXXX.... 

XXXX : ( XXXX ) XXXX XXXX XXXX XXXX CANCELLATION CONFIRMATION ) XXXX date/time XXXX Emails DATED : [ XXXX ] [ XXXX ] ( EXHIBIT XXXX ) that I received in seconds ( in seconds ) after I timely ( timely ) made CANCELLATION of AMEX special member XXXX XXXX XXXX that I cancelled from XXXX geographical location in country of the PHILIPPINES... is indisputable probative evidence that Confirm I did in fact properly and timely cancel ( timely cancelled ) this XXXX ticket at approximately [ XXXX ] - [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX cancellation made with-in [ XXXX minutes ] within the same hour after the purchase time... and well with-in the AMEX-TRAVEL XXXX XXXX Cancellation for Full-Refund Guarantee that I purchased on XXXX website requiring AMEX must give XXXX refund back to my XXXX ...... 

To further establish and put my right to a full refund under XXXX XXXX XXXX XXXX for XXXX XXXX rules XXXX into prospective. Additional,..... 

XXXX : ( XXXX ) AMEX-TRAVEL official ( PURCHASE Confirmation ) and XXXX hour cancellation for Full refund Fare rules XXXX date/time stamp Emails XXXX I received in seconds ( in seconds ) after purchase on AMEX website and DATED : [ XXXX ] [ XXXX ] ( EXHIBIT XXXX )... when I made this purchase from my geographical location in country of the XXXX... is additional indisputable probative evidence that Confirm the XXXX member special XXXX XXXX XXXX I purchased with the AMEX XXXX XXXX cancellation for full refund guarantee was " PURCHASED '' at approximately [ XXXX ] - [ XXXX ] that is approximately [ XXXX minutes ] prior to my later timely proper cancellation at [ XXXX ] [ XXXX ] [ XXXX XXXX XXXX ]. As is confirmed by official XXXX and XXXX own XXXX XXXX XXXX Emails confirmations evidence. Additionally,..... 

XXXX : ( XXXX ) AMEX-CARD SERVICES XXXX ( AMEX FRAUD/SPENDING ALERT ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ] [ XXXX ] ( EXHIBIT XXXX ) that I received with-in seconds ( with-in seconds ) on making purchase of AMEX XXXX XXXX XXXX XXXX XXXX on XXXX website from my geographical location in country XXXX the PHILIPPINES XXXX.. is additional indisputable probative evidence that Confirm the XXXX member special XXXX XXXX XXXX I purchased with XXXX cancellation for full refund guarantee Air Fare rule was " PURCHASED '' at approximately [ XXXX ] - [ XXXX ] [ XXXX XXXX XXXX ]. Additionally,..... 

Adherence and accurate consideration of established Geographic international/world Date and Time zone differences is widely established and necessary in the conduct of commerce and specifically pertinent to establishing timely cancellation and entitlement to Full Refund under AMEX-Travel XXXX XXXX XXXX ...... 
XXXX XXXX published online information and AMEX XXXX XXXX XXXX XXXX, XXXX XXXX operates its Online ticket sales website from ILLINOIS XXXX, in the ( XXXX XXXX XXXX zone ) United States...... 

XXXX : ( XXXX ) Published international Time-zone internet atomic UTC Date and Time difference calculator ( XXXX XXXX ) establish that, at ILLINOIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX.. it was also in real-time... [ XXXX XXXX / XXXX ] XXXX  XXXX XXXX... ( i.e., that is the next day around XXXX ahead of ILLINOIS XXXX XXXX XXXX XXXX and is additional indisputable probative evidence that Confirms indisputably the official XXXX date/time XXXX emails and AMEX XXXX XXXX emails XXXX time and date of purchase XXXX XXXX and UNITED CANCELLATION Confirmation emails time and date XXXX XXXX respectively.... which is well within the XXXX XXXX cancellation for full refund guarantee Fare rules for the AMEX-member special XXXX XXXX XXXX AMEX sold to XXXX XXXX XXXX XXXX Further.....

AMEX-TRAVEL published online information and AMEX rewards transactions information indicate, AMERICAN EXPRESS TRAVEL operates its Online ticket sales website from XXXX WA XXXX XXXX XXXX the ( XXXX XXXX XXXX XXXX XXXX United States XXXX XXXX... 

XXXX : ( XXXX ) Published international Time-zone internet atomic XXXX  Date and Time difference calculator ( EXHIBIT 006 ) establish that, at XXXX  WA USA AMEX-TRAVEL internet sales operations on XXXX  XXXX... it was also in real-time... [ XXXX XXXX / XXXX ] XXXX  XXXX XXXX... ( i.e., that is the next day around XXXX ahead of XXXX XXXX XXXX XXXX XXXX and is additional indisputable probative evidence that Confirms indisputably the official XXXX date/time XXXX emails and AMEX XXXX XXXX emails XXXX time and date of purchase XXXX XXXX and UNITED CANCELLATION Confirmation emails time and date XXXX XXXX respectively.... which is also well within the XXXX XXXX cancellation for full refund guarantee Fare rules for the AMEX-member XXXX XXXX XXXX XXXX AMEX sold to XXXX XXXX XXXX XXXX Further..... 

CONCLUSION..... 

Based on the foregoing, numerous indisputable evidence and facts shows that I did in fact TIMELY cancel well within the XXXX cancelation period AMEX Guarantee in full compliance with the fare rules of AMEX-member special UNITED Ticket XXXX that AMEX sold to me XXXX XXXX. And further shows AMEX and XXXX unfairly and deceptively misrepresented and manipulated the known time zone difference and concealed this important evidence and information to prevent and defrauded me Full refund back to my card as required under the XXXX cancellation guarantee for this purchase. constitutes unfair or deceptive acts or practices in or affecting commerce contrary to Section 5 FTC Act, contrary to the Consumer Financial Protection Act, and contrary to the Fair Credit Act. 
And is unlawful as applied to me ......

Company response to consumer: Closed with monetary relief