Amex Credit Card Complaint

Amex Credit card department,

Billing disputes Indiana

On -/-/16, while on vacation in -, - we were recruited off the street to attend a timeshare presentation at -. We purchased contract # - ( - - - ) for $33000.00 and put the purchase on - different credit cards. - was supposed to buy back our - current owned timeshares that we own free and clear through - - escrow company for $140000.00 to eliminate our yearly maint. fees of $2200.00. The contract had a non-refundable clause in it, which violates - - -. Upon review of the contract, and research on the web at our resort, I discovered numerous complaints about fraud and scams involving -, - - -, and - - - on -, and on -. In a local real estate listing magazine, - -, - ( federal consumer protection office ) pinpointed - as selling time share fraudulenty. The " buy back '' program was not being honored, it was just a marketing ploy. Also Point - ) on our - Contract states that - - - " benefits are administered through an independent marketing office in -, Georgia, Phone Number ( - ) -. When I researched this phone number, it came


SHALL BE ENTITLED TO REVOKE HIS CONSENT WITHOUT ANY LIABILITY WHATSOEVER ... BY GIVING NOTICE ... IN PERSON ... SHALL RENDER THE TRANSACTION NULL AND VOID ... SUPPLIER SHALL REIMBURSE THE PRICE PAID TO THE CONSUMER. '' " This 5 day right of cancellation is not waivable ( the buyer can not give it up ) and even if the buyer is convinced to sign a document to give it up ( waive the right ) that waiver is not valid and the buyer still has the 5 day right. '' We physically returned to the resort the following day, -/-/16, and notified them that we were cancelling - Contract within the 5 day grace period. The merchant acknowledged that their industry is governed by ARTICLE -, and recognized that they were aware of the law, and that they faithfully abide by said law for the protection of their customers. The merchant was fully informed and aware that this cancellation " SHALL RENDER THE TRANSACTION NULL AND VOID ... WITHOUT ANY LIABILITY WHATSOEVER. '' At this time we were passed from the Operation Manager to the Contract -, - -. She acknowledged, agreed, and accepted our cancellation by issuing CANCELLATION AGREEMENT FOR CONTRACT -, which was dated and signed. This agreement has the same company signature that the original contract has on it, thus authenticating the cancellation. The cancellation issued by the merchant " CONSTITUTES A FULL SETTLEMENT OF CANCELLATION. '', and states that we we " WILL NO LONGER HAVE ANY RIGHTS OR CLAIMS TO THE SERVICES OFFERED IN THE CONTRACT. '' According to the cancellation, the funds were to be reimbursed no later than -/-/16. This never happened. I then communicated tirelessly for 2 weeks via email and phone with the merchant to no avail. They got disgusted with me and would hang up, or would tell me that - - was not there. I was finally informed by the merchant to file a cc dispute to receive my funds. - cc disputes were filed with overwhelming evidential documentation, and - had favorable outcomes. However, AME- dispute for $7700.00 has been unwilling to rule justly, and I am currently on my - dispute with limited options. Failure to post payments and other credits like RETURNS is in violation of consumer protection laws. I have been a cardmember with AME- in good standing for years, but my consumer rights have been violated, and I desparately need your help. Thank You.