Consumer complaint received 2025-02-13 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:
Notice to Principals is Notice to Agents, Notice to Agents is Notice to Principals To whom it may concern at XXXX investigating the dispute case XXXX, Pursuant to Amex chargeback reason codes and Visa Chargeback Codes. 13.5 Misrepresentation. This code applies when the goods or services are not as advertised or described, leading to the cardholder feeling deceived This applies when the merchant 's advertising or sales materials significantly misrepresent the product or service, deceiving the cardholder. This could include false claims about quality, features, or benefits. 13.3 Services Not As Described, this code is used when the received goods or services do not match the agreed-upon terms or quality. 13.1 Services Not Received. This code is applicable when the cardholder did not receive the goods or services they paid for. This applies when the cardholder did not receive the goods or services they paid for at all. This could be due to non-delivery, order cancellation, or service failure. According to Amex and Visa 's terms of service, card issuers encourage merchants to maintain high ethical standards and comply with Amex and Visa 's rules and regulations. I am politely requesting 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 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 and disputed transactions. In fact, the Fair Credit Billing Act safeguards consumers from fraud or charges on their credit card accounts. I am requesting a reversal of multiple transactions due to material misrepresentation perpetrated by the merchant. I hereby notify the card issuer and representative investigating the case, that I am withholding payment on the disputed charge ( s ). However, to be a loyal consumer I will continue the minimum payments under duress and fear that withheld payments will negatively impact to my credit report and reputation.

Please grant me an exception for missing the 60-day dispute window because I was unaware I was defrauded until the dispute window passed, at that time I was still gathering evidence and confidence to dispute the multiple transactions. I had to educate myself about these consumer laws, financial concepts, interest rates, and credit card disputes. I was fearful of retaliation by the scammer which delayed my actions. On a personal note, my mother was hospitalized during this period and much of my attention had been focused on communicating with Doctors. Additionally, I was recently diagnosed with XXXX which impaired my judgment and reaction time. Additionally, during this period I received news my wife was XXXX and she would be leaving the United States to return to her home country of XXXX. This required my attention to relocate her. Please grant me a reversal of transactions for my peace of mind and financial stability. Please altruistically consider my circumstances. Your assistance is appreciated.

The following sections of the Uniform Commercial Code can be applied to consumer transactions, and consumer protection laws often provide additional protections, such as specific disclosure requirements, cooling-off periods, and remedies for deceptive practices.

UCC 2-313 : Express Warranties : This section deals with express warranties, which are created by a seller 's affirmations of fact or promises about the goods. This can be relevant to consumer protection laws, as deceptive advertising or false promises can be considered a breach of express warranty. 
XXXX XXXX money-making opportunity, advice, and scheme used deceptive business practices to influence my decision-making process. His contract and practice is not lawful.

UCC 2-302 : Unconscionable Contract or Clause This section allows courts to refuse to enforce or limit the application of unconscionable contract terms. This can be particularly relevant in consumer contracts where there may be a significant imbalance of bargaining power between the parties. 
XXXX XXXX money-making opportunity, advice, and scheme contract portray a significant balance of bargaining power between us there for is unconscionable. Because the contract is meant to scare me from disputing my charge under duress and fear of financial harm.

UCC 2-315 : Implied Warranty of Fitness for a Particular Purpose : This section implies a warranty that services are fit for a particular purpose if the seller knows of the buyer 's specific needs. 
XXXX XXXX money-making opportunity, advice, and scheme, did not benefit me. He perpetrated fraud and deceit. 
This can be relevant to consumer protection laws, as it can protect consumers from purchasing products that are not suitable for their intended use. 
This is the XXXX XXXX XXXX high-yield investment scam timeline that took advantage of my trust and the reason for my distress. 

XX/XX/XXXX I responded to an email from XXXX soliciting to invest in an online XXXX XXXX XXXX type company. The company name is XXXXXXXX XXXX XXXX XXXX registered as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The owner is XXXX XXXX also known as XXXX XXXX. The website is XXXX XXXX XXXXXXXX advertisements promise to build a {$50000.00} - $ XXXX digital asset generating passive income. His advertisements for XXXX per month in 4 months, let alone the {$50000.00} per year advertisements were false and misleading. Unfortunately for me, XXXX never delivered on his service or promises of wealth and prosperity. XXXX XXXX promised a return on the investment in XXXX more months XX/XX/XXXX on our XXXX channel. Which means the estimated date of delivery was XX/XX/XXXX. Hence my delayed suspicion and call to dispute these transactions. 
Little did I know he was willfully misleading me and scamming every cent from me. Unfortunately, I anticipated ethical conduct, fair reciprocation, and financial transparency. These transactions with XXXX XXXX ultimately frustrated me financially and scared me to dispute earlier. Unfortunately, I suffered from economic hardship via the sudden loss of my job and indebtedness to my creditors. My financial frustration contributed to my gullibility and desperation to believe in XXXX get-rich-quick scheme. 

I was unfairly misled by false promises and deceptive marketing tactics to transfer funds using XXXX XXXX stripe account on the following dates : XX/XX/XXXX {$11000.00} from XXXX Refund Granted XX/XX/XXXX XXXX XX/XX/XXXX {$7000.00} from XXXX Refund Granted XX/XX/XXXX XXXX XX/XX/XXXX {$7800.00} from Amex Dispute open Ref. XXXX XX/XX/XXXX {$1000.00} from Amex Dispute open Ref. XXXX XX/XX/XXXX {$4900.00} from Amex Dispute XXXX XXXX XXXX XXXX XX/XX/XXXX {$19000.00} from XXXX Refund Granted XX/XX/XXXX XXXX XX/XX/XXXX I requested a full refund of XXXX. However, XXXX XXXX refused to refund me. While under duress, fear of retaliation, and loss of the entire investment. XXXX coerced me to invest more with him requesting more time to deliver his service. My signature is not valid for any agreement with XXXX. I received no benefit and am a victim of cybercrime and extortion. Other credit card issuers such as XXXX have sided with me and I trust Amex will align with me. Thank you for your continued service and dedication to protecting customers. 
Additionally, XXXX XXXX advertisements do not follow FTC requirements. The FTC requires that any ad claiming a specific income amount must also disclose : The number of previous purchasers who earned the claimed income. The percentage of previous purchasers who earned the claimed income. It is important to bear in mind that disclaimers are not always effective and are not a defense if the net impression is still misleading. The FTC has determined that the following acts and practices are deceptive or unfair, and unlawful under Section 5 of the FTC Act : Misrepresenting that purchasing a money-making opportunity is risk-free or involves little risk. Falsely claiming an endorsement by a third party ; misrepresenting that an endorser is an actual user, a current user, or a recent user ; misrepresenting that an endorsement represents the experience, views, or opinions of users or purported users ; using an endorsement to make deceptive performance claims; failing to disclose an unexpected material connection with an endorser ; and misrepresenting that the experience of endorsers represents consumers typical or ordinary experience. Note that positive consumer reviews are a type of endorsement, so such reviews can be unlawful, e.g., when they are fake or when a material connection is not adequately disclosed. 
It is an unfair or deceptive trade practice for an advertiser to use testimonials to make unsubstantiated or otherwise deceptive performance claims even if such testimonials are genuine. It is an unfair or deceptive trade practice to fail to disclose a connection between an endorser and the seller of an advertised product or service if such a connection might materially affect the weight or credibility of the endorsement and if the connection would not be reasonably expected by consumers. It is an unfair or deceptive trade practice to misrepresent explicitly or implicitly through the use of testimonials that the experience described by endorsers of a product or service represents the typical or ordinary experience of users of the product or service. 
Here is a depository of fake testimonies anyone can use for marketing. 
https : XXXX? usp=sharing XXXX uses unfair business practices with misleading representations, fake promises, and failure to disclose material facts that would be important to a consumer 's decision-making process. Such as using sensationalized headlines to entice potential customers. engaged in deceptive marketing practices to manipulate my decision-making process, including the use of clickbait advertising and false promises of rapid XXXX growth. These tactics, combined with the failure to disclose potential risks, such as copyright infringement and algorithm penalties, constitute fraudulent misrepresentation and unconscionable behavior. By withholding critical information such as the risk of copyright violations and algorithmic penalties XXXX XXXX omitted material facts and induced me to enter into a contract that was unfair and detrimental to my interests. These practices harm consumers and undermine fair market practices. 

Moreover, copyright Infringement and algorithm penalties were not previously discussed and purposely omitted from the decision-making process before entering into a contract would make it void. Using copyrighted content without permission can lead to legal action and channel demonetization. Algorithm Penalties : YouTube 's algorithm is designed to identify and penalize low-quality, spammy, or deceptive content. This makes the written agreement invalid, unconscionable, immoral, unfair, illegal, and unenforceable because XXXX XXXX fraudulently gained my confidence and psychologically manipulated me to invest with enticing false metrics promising the safety of an unethical and illicit investment scheme fueled by his greed with no conscience to my benefit. The agreement unfairly assigns 100 % of the risk for failure to launch on me. Leading to my financial frustration. If I were proficient with reading contracts I would have rejected his solicitation. He shows no concern for delivering on his service for XXXX more months communicated on XX/XX/XXXX on his preferred messaging platform SLACK. This means the estimated date of delivery was XX/XX/XXXX. I made him fully aware I was borrowing currency from creditors to finance this option, I needed accurate projections from him and relied on his financial advice and misleading opinion. 
XXXX is actively targeting the California market with a virtual presence, without registering as a California entity to transact international business. Which Goes against the California Corporations Code Section 2105 : This section outlines the requirement for foreign corporations to obtain a certificate of qualification from the Secretary of State before transacting intrastate business in California. The California Corporations Code sections 2105, 15909.02, 16959, 17708.02 ,191 ( a ), 15901.02, 17708.03. All of these relate to the requirement for foreign entities to register with the California Secretary of State if they conduct " intrastate business '' within California. XXXX XXXX abuses international commerce laws. He uses XXXX registered company and XXXX XXXX XXXX XXXX : Companies within XXXX Free Zones are generally restricted to operations within the designated free zone area. The California XXXX XXXX aims to regulate and control the activities of foreign entities within the state. XXXX XXXX Zones are established to attract foreign investment, promote trade, and facilitate international business. Therefore XXXX is illegally transacting with Californian residents like myself and others who are targets of Mr.Sudas clickbait marketing making is contracts void.

Unfortunately, I am a victim of elaborate fraud, psychological games and unsuspectedly transferred money to a professional scammer. Please grant me a reversal of all transactions with the credit card issuer bank and XXXX XXXX. 
There is a public forum dedicated to warning unsuspecting victims about XXXX scam https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is registered and physically based at XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX Email XXXX The alternative address listed on the transaction is XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX I reject all types of solicitation offers from XXXX XXXX, I cancel all contracts without prejudice and without recourse. 
I object to the criminality thaXXXX XXXX XXXX XXXX XXXX XXXX  ) PRIVATE LIMIT perpetrated by misrepresenting money-making opportunities as beneficial to clients ' financial well-being. 
I object to the unlawful behavior perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX PRIVATE LIMIT by violating the following consumer protection codes : electronic solicitor code 4719.01, signed written confirmation of sales code 4719.07, Investment advisers act ( IAA ), Section 5 of the FTC Act, and California Corporations Code Section 17150. 
I have requested XXXXXXXX XXXX XXXX XXXX XXXX XXXX  PRIVATE LIMIT and its agents to be investigated by the local police department ( s ), the California Department of Financial Innovation and Protection, the California Department of Justice, the California Department of Consumer Affairs, the XXXX XXXX XXXX, 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. Deceptive marketing practices can have serious legal implications. They violate federal and state consumer protection laws, including the Federal Trade Commission Act. By misleading consumers and inducing them into unfair contracts, these practices harm consumers and undermine fair market practices.

Deceptive marketing practices can have serious legal implications. They violate federal and state consumer protection laws. By misleading consumers and inducing them into unfair contracts, these practices harm consumers and undermine fair market practices. 

FTC Report Number XXXX / XXXX FTC Identity Theft Report XXXXXXXX XXXX  Report number XXXX / XXXX CFPB Complaint Sent to XXXX XXXX  XXXX Econsumer.gov report ID XXXX / XXXX SEC Complaint XXXX / XXXX CFPB Complaint Sent to American Express Company XXXX Office of the Comptroller of Currency Compalin sent to American Express CFPB ID FOR COMPLAINT SENT TO AMERICAN EXPRESS NATIONAL BANK XXXX With clean hands and good faith, XXXX XXXX XX/XX/XXXX Websites : https XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief