Disappointed with AMEX Dispute Resolution
Jul 11, 2018, 6:59 am
#106
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1. The incident was reported in 2013 by a person who never returned to Flyertalk to report the final outcome.
2. A dispute based on the quality of the goods or services would be based on the Fair Credit Billing Act which requires the customer to first make an effort to resolve the problem directly with the merchant -and- only applies if "the place where the initial transaction occurred was in the same State as the mailing address previously provided by the cardholder or was within 100 miles from such address". A service provided in the Dominican Republic simply is not covered by this law.
Jul 11, 2018, 12:49 pm
#107
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2. A dispute based on the quality of the goods or services would be based on the Fair Credit Billing Act which requires the customer to first make an effort to resolve the problem directly with the merchant -and- only applies if "the place where the initial transaction occurred was in the same State as the mailing address previously provided by the cardholder or was within 100 miles from such address". A service provided in the Dominican Republic simply is not covered by this law.
Jul 11, 2018, 1:08 pm
#108
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Jul 11, 2018, 1:13 pm
#109
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The section you mentioned also says that it only applies to disputes of over $50, but these boards are chock full of chargeback reports for amounts far less than that.
Jul 11, 2018, 1:25 pm
#110
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Depending on your value to the card issuer, sooner or later the card issuer "fires" serial abusers as a customer. Same thing for vendors. No different than the old days when you took something back to a store and they gave you a refund. They may not have had to, but they wanted your business.
This guy engaged in medical tourism, it went wrong, and he wants Amex to evaluate the quality of his care.
Jul 11, 2018, 1:48 pm
#111
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What you are misunderstanding is that the fact that something is not legally required does not mean that it can't be done. Both card issuers and merchant vendors authorize chargebacks for small amounts routinely. They also do so more than 60 days out.
Depending on your value to the card issuer, sooner or later the card issuer "fires" serial abusers as a customer. Same thing for vendors. No different than the old days when you took something back to a store and they gave you a refund. They may not have had to, but they wanted your business.
This guy engaged in medical tourism, it went wrong, and he wants Amex to evaluate the quality of his care.
Depending on your value to the card issuer, sooner or later the card issuer "fires" serial abusers as a customer. Same thing for vendors. No different than the old days when you took something back to a store and they gave you a refund. They may not have had to, but they wanted your business.
This guy engaged in medical tourism, it went wrong, and he wants Amex to evaluate the quality of his care.
Jul 11, 2018, 1:56 pm
#112
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There is a law, and there is credit card issuer policy. The issuers choose to accept many disputes that do not meet the legal requirements, but that does not obligate them to accept every dispute.
Jul 11, 2018, 2:29 pm
#113
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I don't disagree with this. Charging almost $4,000 for dental work that failed after a week seems like a great example of a case where the issuer would want to help the customer, if only so other customers don't get similarly scammed.
Jul 11, 2018, 7:28 pm
#114
Join Date: Mar 2011
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read the thread
I too have a disputed charge on my AMEX. I am NOT going to go into gory details as per above. Rather, I simply want to note this single thread covers 9 years of experiences and a live link to an AMEX secure resolution centre i.e. no need to debate issues, medical tourism, etc. There are many stories.
Last edited by Antonio8069; Jul 11, 2018 at 7:29 pm Reason: spelling error
Jul 12, 2018, 3:49 am
#115
Join Date: May 2013
Posts: 378
I'm not "misunderstanding" anything. If the $50 rule isn't set in stone, then the 100-mile rule isn't, either — and we know it's not, since people initiate chargebacks against merchants more than 100 miles away all the time. This site is absolutely chock full of reports of people filing service-related chargebacks against hotels.
Jul 12, 2018, 6:40 am
#116
Join Date: Mar 2017
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I think we can all agree here... AMEX isn't once what it was. Gone are the days of just calling or mailing in a dispute and AMEX taking your side, regardless of what the merchant has to say.
Really there's nothing special about carrying an AMEX anymore, unless you like one of their many mediocre cash back cards, their Everyday cards, or one of their charge cards. The cardholder no longer has leverage over the merchant or "power" when making transactions.
Really there's nothing special about carrying an AMEX anymore, unless you like one of their many mediocre cash back cards, their Everyday cards, or one of their charge cards. The cardholder no longer has leverage over the merchant or "power" when making transactions.
Jul 12, 2018, 10:30 pm
#119
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I'm apt to agree based on my own experience, but I'm open to the possibility that AmEx is good if you have the right product(s) with them.
Jul 22, 2018, 5:55 pm
#120
Join Date: Nov 2015
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Both card companies bailed me out on a few occasions, but I had less leg work with AMEX by far. For example, Chase requires repair notes from authorized shops for warranty protection >$100 or requires 2 billing cycles to post missing statement credits; whereas, AMEX returns funds without any hassle in these cases. I do like, however, that Chase does not outsource their customer service. I believe that AMEX does employ foreign call centers...
