Originally Posted by
SgtRyan
I am confused by your post...what part of "but my point is that the generic response from Amex clearly shows that they have simply avoided any of the points raised in my claim nor have they bothered to even check the documentation that I have sent...." do you not understand?
I cant be any more clear then to say that Amex have sent a vague reply and have not answered any of the points I raised in my dispute which would have helped my case??!! Its really not that difficult to understand.
FCRA sets the minimum legal standard and Amex chooses to provide more. You filed a dispute, you got a decision and that's it. Amex does not owe you explanations to questions you may have, it owes you a decision and you got that.
But, Amex is nonetheless giving you a second bite at the apple which it's not required by law or its own policies to do. So, take the second bite at the apple.
It's not a conversation, it's a decision process.
But, people here would be able to be much more helpful if you would provide the details of your dispute (not identifiable information, but facts of what went wrong).