FlyerTalk Forums - View Single Post - Alternative to AmEx Platinum? Unsatisfied customer.

Feb 7, 2017 | 4:14 am

#8

MSPeconomist

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Quote:

Originally Posted by garykung

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.

Are we assuming that the OP and his/her AmEx card are USA based? Plus, it sounds like the dispute was filed on time, although AmEx tends to be lenient about this, but got the denial after 90 days.

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