Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
PLAINTIFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.tx XXXX Contact NumberXXXX  DEFENDANTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA American Express Company XXXX XXXX XXXX XXXX XXXX XXXX NY CLAIM AMOUNT : {$4100.00} {$1100.00} Refund for defective bicycle {$3000.00} Consequential damages PLAINTIFFS ORIGINAL PETITION Plaintiff, XXXX XXXX XXXX respectfully submits this complaint against the above-named Defendants for violations of Texas law and federal credit protection regulations. 
COUNT I XXXX XXXX XXXX Legal Grounds : Texas Deceptive Trade Practices Act ( Tex. Bus. & Com. Code 17.4117.63 ) Uniform Commercial Code 2-314 Implied Warranty of Merchantability Facts : On XX/XX/year>, Plaintiff purchased a carbon fiber bicycle ( Order # XXXX ) from XXXX XXXX XXXX for {$1400.00}. Upon receipt and prior to any use, Plaintiff observed significant quality defects in the bicycle frame. Plaintiff promptly requested a return in accordance with XXXX XXXX advertised " free return '' policy. Despite this policy, XXXX XXXX refused to provide a prepaid return shipping label, causing an unreasonable delay of over two months. During this period, Plaintiff repeatedly requested either a full refund or a price adjustment, but XXXX XXXX failed to accommodate these requests. 

Subsequently, after minimal use, the bicycle became entirely inoperable due to a critical manufacturing defect : the rear derailleur mounting threads were stripped. This defect rendered the bicycle unfit for its ordinary purpose, thereby breaching the implied warranty of merchantability under UCC 2-314.

When Plaintiff again sought to return the defective product, XXXX XXXX attempted to impose a 40 % 50 % depreciation fee, a condition not disclosed in the original return policy. This demand contradicts the advertised " free return '' policy and constitutes an unfair and deceptive trade practice under the Texas Deceptive Trade Practices Act ( DTPA ).

Damages Sought : {$1100.00} Full refund for the defective bicycle {$3000.00} Consequential damages for the time, stress, and effort expended in attempting to resolve this matter Treble damages as permitted under the DTPA for knowing and intentional violations COUNT II AMERICAN EXPRESS COMPANY Legal Grounds : Fair Credit Billing Act ( 15 U.S.C. 1666 ) Regulation Z ( 12 C.F.R. 1026.13 ) Facts : Plaintiff timely filed a billing dispute with American Express concerning the defective bicycle purchase. Without providing Plaintiff an opportunity to respond or appeal, American Express unilaterally closed the dispute, citing a previously rescinded {$300.00} refund offer from the merchant. American Express failed to provide written notice of the disputes closure or any explanation of its decision, in violation of the procedural safeguards required by the Fair Credit Billing Act and Regulation Z.

RELIEF REQUESTED Plaintiff respectfully requests the Court to grant the following relief : A monetary judgment in the amount of {$4100.00} Treble damages under the Texas Deceptive Trade Practices Act, if applicable Court costs, including filing and service fees Any further relief the Court deems just and proper EVIDENCE TO BE PRESENTED Order confirmation and receipt ( Order # XXXX ) Photographs of the defective bicycle, specifically showing the stripped rear derailleur mounting threads Email correspondence with XXXX XXXX documenting the return delay, refusal to honor the return policy, and the imposition of a depreciation fee Communication logs with American Express, including the dispute submission and evidence of the unilateral closure without notice Screenshots of XXXX XXXX  advertised " free return '' policy Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation