Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
I have been watching XXXX XXXX ' XXXX ( describes himself a financial expert on trading ) video on XXXX for some time now and decided to register for his one-year program on investing. On XXXX XXXX, Friday, I met with XXXX XXXX, a representative on XXXX 's team via XXXX  call. The call lasted for about an hour. This call was purposely for XXXX to give me rundown or outline of the class ( like what is expected topics to learn in the class, days for the class, time, why I chose to learn from XXXX XXXX. I seemed really interested because I believed they were genuine people and registered for the class with my American Express credit card, I paid {$1500.00}. After the video calls, same day, I reflected on the conversation I had with XXXX and thought it will not be worth it to proceed with attending the class because I need a more hands on training. Getting to the later end of the XXXX  call with XXXX, I had the impression the class will be more of posting of videos in a group chat and group members will watch. My fear was that, if the class is going to be more of watching videos, then that will not help my learning goals because I have been doing it already and it hasn't improved my learning. I needed more practical and hands on. So, after registration, I texted XXXX and told him I wanted to opt out of the class and told him my reasons ( financial educational needs will not be met because of the nature of the class ). He replied the class will take the form I wanted but that was not convincing to me. I texted back I still wanted to opt out of the class and asked what I had to do. XXXX started sending me automated text messages, emails and set up my phone number for voicemails since that day. So, I called American Express to dispute the charges same day this incident happened and they assured me all will be fine, and I will get my refund back but until now this issue has not been resolved. American Express responded that the merchant claims I did not follow their cancellation policy even though I have asked about how to cancel the class through various forms and they only replied with automated texts and emails which is not directed to the resolution I seek. I have provided all evidence to my credit card, and they say they are working on it. I feel like XXXX and XXXX are just playing games with me and want it to appeal like they have be responding to me, but all their replies are automated and does not answer any specific question which will lead to a smooth or peaceful resolution. Also, they have blocked my account from the class and still not willing to refund me the money for a one-year class I did not even get the chance to start. Moreover, XXXX and I didn't finish setting up my account to the last stage, I didn't know how they wanted me to login and go ahead with cancellation since I received email of account blockage, and they even stated my account will not be charged in the email. I feel like they are just providing me no way around this issue so they will not refund me the money. I called, texted and emailed merchant 's support team but I didnt get a reply which was meaningful to my specific case.

Company response to consumer: Closed with monetary relief