Consumer complaint received 2019-08-22 00:00:00
Product: Credit card or prepaid 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: TX

Complaint narrative:
In XX/XX/2019 I was tricked by XXXX XXXX University to pay for an information webinar and a trial week for {$7.00}, that is when I gave that company my credit card information. On XX/XX/XXXX XXXX XXXX University Charged my account {$140.00}, I complained about the unauthorized charge and the merchant refunded my account. On XX/XX/XXXX without my authorization, XXXX XXXX University Charged my account again with {$1600.00} and then again on XX/XX/XXXX {$140.00}. I called again the merchant and they said that they could refund the {$140.00} charge but they needed authorization from someone who was not in the office at the moment to refund the {$1600.00} I went on vacations with my family and then I forgot to follow up. On XX/XX/XXXX the merchant refunded the {$140.00} but the following day they charged my account again with another {$160000.00} It was then that I called American Express and told the American Express representative that I didn't authorize my account to be charged by that company. The American Express Representative said that she would put a block on my account for that Merchant and will open a dispute for the charges. American Express didn't block my account from as they had told me they would and again on XX/XX/XXXX my account was charged a third time with {$1600.00} Then I called American Express and the representative on the phone said that probably the previous representative didn't block the merchant correctly and this time the representative issued a new card number to make sure that didnt happen again. The previous representative should have done that on the first place. I explained the American Express representative that she can see a that this company was charging my account and that I have been disputing the charges from the very beginning. She acknowledged that. XXXX XXXX University was trying to sign me up several times on a program, taking me into their materials and online rooms. All the sudden American Express sent me a contract that they say that XXXX XXXX University sent them saying that I Electronically signed, which I NEVER DID, I never signed anything with that company. American Express fail to block my account when I told them. American Express told me that they will investigate. After a few days American Express said that it was my fault because I gave the merchant my credit card information in the first place. I know I gave the merchant my credit card information, but ONLY for the {$7.00} dollars, the only amount that I authorized. I also explained American Express that they need to pay attention to the small charges, they were refunded because I was fighting them with the merchant before I contacted the credit card company ( when you are going to call the credit card for a complaint there is a recorded message that tells you to contact the merchant first and that is what I did ). I also explained American Express that if they note on the so-called contract that the merchant was providing that I never signed, the date on the contract is XX/XX/XXXX the date I called to make the complaint to the merchant for the {$1600.00} charge from the day prior and told American Express to note that, right after I had complained from the charge with the merchant, American Express fails to listen to all the facts that I have given them because they make money on the more I owe on the card. XXXX XXXX University constantly insisted for me to take their courses, I never did, I went to the XXXX, they showed me the material they offered and I saw no value on them and I would have NEVER agreed to spend my hard-earned dollars on something so worthless. Ive given all the facts to American Express ; I had been disputing all but the {$7.00} charge since the very beginning. I never signed a contract with XXXX XXXX University, the document that they are providing does not contain my original signature, the document that they provide comes right after my dispute of charges, American Express says that that is my agreement, how come the charge was prior the date on the contract. They are ignoring the facts and siding with the merchant against me. I have been fighting this for months and today I got tired of arguing with American Express and decided to seek help believing that justice can still be served. I realized today that American Express was only allowing time go pass by probably so I would get tired of fighting for my rights or probably because they wanted time to pass by so I could not file a complaint.

Company response to consumer: Closed with explanation