Amex have a responsibility to cardholder and merchants alike.

If Swiss validly justify a chargeback claim as being invalid then the representation is correct.

However, in the case of a merchant representing a charge for a service they have already acknowledged they must refund, then not only should Amex reject that excuse, they should sanction their merchant.

I believe this action would make Amex liable for any consequential costs or damages relating to the refusal to process the chargeback of the representation.

My chargeback has not yet been negated, but if that becomes the case I will most definitely go up against the organisation who’s card I have trusted for over 35 years. I trust in them to uphold my rights, not to protect a merchant’s cashflow.