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Thread: Alternative to AmEx Platinum? Unsatisfied customer.
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Old Feb 6, 2017 | 8:04 pm
  #6  
garykung
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Originally Posted by lepmd
This is pretty basic dispute stuff. There's no reason for this to be denied.
AMEX denied the dispute correctly.

Fair Credit Billing Act ("FCBA") is what allows consumers to dispute charges. Specifically, 15 U.S.C. § 1666(a) requires that a consumer must dispute within 60 days after the charge in question has posted on a billing statement. Potentially, depending on the date of the charge, a consumer can have up to 90 days to dispute.

Your charge was 4 months ago, which is beyond the deadline of FCBA, as well as AMEX's own Purchase Protection.

Your solution? Small Claims.
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