Amex Closing Account for Chargebacks?

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rocketpower112
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Amex Closing Account for Chargebacks?

Postby rocketpower112 » Thu Jul 28, 2016 10:03 pm

Last month, I had some bad encounters with merchants, and had to dispute the charges when the merchants would not correct their own errors.

Today I got a letter from American Express stating that I had opened too many billing disputes, and that they may cancel my account if I file any more.

I have a few questions:

1. Is it worth giving them a call to explain the situation, or could that make the situation worse?

2. Will they monitor/flag me forever, or temporarily?

3. If they do close my account for this, would I be able to reapply for another account, or would it be a permanent ban? If the latter, would they monitor that account as well?
Last edited by rocketpower112 on Fri Jul 29, 2016 6:09 pm, edited 1 time in total.


takeshi
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Re: Amex Closing Account for Chargebacks?

Postby takeshi » Fri Jul 29, 2016 9:50 am

No idea but you may want to carefully consider how you select your merchants if you're running into that. If a merchant looks dubious and for some reason I still want to make a purchase, which is rare, I'll use Paypal since they tend to side with the buyer in my experience. AmEx does tend to be very careful with things in general so you don't want to use your AmEx cards with potentially questionable merchants.

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Re: Amex Closing Account for Chargebacks?

Postby jasonfchen » Fri Jul 29, 2016 12:53 pm

I think it all depends on the specific situation. If you strongly believe that the merchant is at fault, then do all means and explain your situation and ask Amex for help. Be sure to provide anything that could assist with your version of the story. But rather than that, Amex might not be always on your side.

The only time I disputed a charge was a fraudulent Target.com of $90.00. I called right away when the charge appeared on my app and Amex reversed it.
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rocketpower112
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Re: Amex Closing Account for Chargebacks?

Postby rocketpower112 » Fri Jul 29, 2016 6:20 pm

I would hate for them to close my account if I called them and explained my side of the story. Is that likely?

If they did do that, would they prohibit me from getting another card with them? Or do you think they should not have a problem with me getting another card.

On a side note, I will try to avoid small businesses from now on. They frequently are unaware of consumer rights and do not fix their own mistakes (which is what happened here).

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lobbythis
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Re: Amex Closing Account for Chargebacks?

Postby lobbythis » Sat Jul 30, 2016 12:01 am

i'm curious to know how many chargebacks you're going through. i want to hear both sides of this story.......

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Re: Amex Closing Account for Chargebacks?

Postby Tubpbs » Sat Jul 30, 2016 7:28 am

rocketpower112 wrote:I would hate for them to close my account if I called them and explained my side of the story. Is that likely?

If they did do that, would they prohibit me from getting another card with them? Or do you think they should not have a problem with me getting another card.

On a side note, I will try to avoid small businesses from now on. They frequently are unaware of consumer rights and do not fix their own mistakes (which is what happened here).


What were the issues that led to the chargebacks?
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NYC_Dweller
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Re: Amex Closing Account for Chargebacks?

Postby NYC_Dweller » Sat Jul 30, 2016 8:37 am

lobbythis wrote:i'm curious to know how many chargebacks you're going through. i want to hear both sides of this story.......


Likewise - I'm curious as well.

rocketpower112
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Re: Amex Closing Account for Chargebacks?

Postby rocketpower112 » Sat Jul 30, 2016 2:56 pm

Two chargebacks:

1. A merchant told me that they would let me use a $25 coupon, and when I went to pay after the service, they refused to let me use it. Service was rendered, so I had no choice but to pay $25 more than what was agreed upon.

2. I got the wrong order at a restaurant and never ate any of it nor did I do take out. Yet they forced me to pay for it and would not let me apply the cost to something else.

They were different places by the way. I think Amex was concerned as they both happened during the same month.

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Re: Amex Closing Account for Chargebacks?

Postby Tubpbs » Sat Jul 30, 2016 3:55 pm

rocketpower112 wrote:Two chargebacks:

1. A merchant told me that they would let me use a $25 coupon, and when I went to pay after the service, they refused to let me use it. Service was rendered, so I had no choice but to pay $25 more than what was agreed upon.

2. I got the wrong order at a restaurant and never ate any of it nor did I do take out. Yet they forced me to pay for it and would not let me apply the cost to something else.

They were different places by the way. I think Amex was concerned as they both happened during the same month.


Honestly, those are touchy chargebacks to say the least. Maybe the merchants were being scummy, but you paid the bill. If you vehemently opposed the charge, you should have told the establishments you would call the police if they didn't want to be reasonable and or sued them in small claims court. Again, it's a marginal amount of money and a ridiculous scenario and it gets worse if you had done what I suggestwe, but that's life.

I would agree Amex might be going a little overboard to close the account instead of just finding against you on the chargebacks, but it's unusual behavior to them...
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lobbythis
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Re: Amex Closing Account for Chargebacks?

Postby lobbythis » Sat Jul 30, 2016 6:30 pm

yea, those are two situations where you paid both times with no proof to back up your claims. that's tough to fight, but i'm blown away if Amex closed your account just because of those 2 small charges.



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