Consumer complaint received 2026-03-03 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:
NOTICE OF FCBA VIOLATION & ILLEGAL CONTRACT ENFORCEMENT I am filing this complaint against American Express for violations of the Fair Credit Billing Act ( FCBA ) regarding the improper rebilling of {$39000.00} and {$39000.00} charges. American Express has failed to perform a " Reasonable Investigation '' by ignoring documented evidence of a criminal misdemeanor used to execute the contract and a sworn fraudulent interest claim filed by the merchant to inflate the debt. 1. PILLAR 1 : HOME IMPROVEMENT VS. STRUCTURAL DAMAGE Under the FCBA, a consumer can not be forced to pay for " services '' that physically damage their property. The Promise : I contracted for " Home Improvement '' a service intended to protect and increase the value of my home. The Reality : The merchant delivered structural leaks and rot. Forensic moisture readings confirm 34 % structural moisture ( active rot ) in the framing. Lack of City Approval & Code Violations : The project has no city approval. The work failed to meet basic building codes and safety standards, precluding any final inspection or legal sign-off by the municipality. I have proactively requested the city to wait on further processing while these severe structural failures are addressed. Because the work is unpermitted and non-compliant, it remains legally " incomplete '' and potentially subject to city-ordered remediation or removal. Manufacturer Determination : XXXX XXXX ( Claim # XXXX ) issued a formal determination concluding the failures are " attributable to installation, '' which voids the product warranty. Failure of Consideration : There is no " improvement '' when a contractor leaves a home with active leaks and structural decay. Amex is ignoring physical evidence of damage in favor of the merchant 's " non-refundable '' template. 2. PILLAR 2 : CRIMINAL MISDEMEANOR ( B & P 7153 ) The " signed contract '' American Express is enforcing is a legal nullity born from a criminal act. The Crime : The contract was executed by XXXX XXXX, who signed as the " XXXX XXXX. '' As verified by the California XXXX, XXXX XXXX was unregistered as a Home Improvement Salesperson ( HIS ) at the time of signing. The Law : Under California Business & Professions Code 7153, it is a criminal misdemeanor for an unregistered individual to execute these contracts. The Impact : Under B & P 7031, a contractor is barred from recovering any compensation ( in law or equity ) for work performed under an illegally executed agreement. American Express is facilitating the collection of funds based on a documented criminal act. 3. PROTECTION UNDER THE FAIR CREDIT BILLING ACT ( FCBA ) I am exercising my federal rights to dispute these charges. A bank can not " enforce '' a contract that violates state criminal statutes and results in a net loss of property value. CONCLUSION A bank can not " enforce '' a contract born from a criminal misdemeanor that resulted in structural leaks. I request an immediate federal audit of American Express 's refusal to protect me from this documented illegal transaction.

Company response to consumer: Closed with explanation