Complaint Review: American Express Merchant Services

American Express Merchant Services has fradulently removed funds from our bank account due to a fraudulent chargeback, proven false by us 3 months ago. This cardmember resubmited their fraudulent chargeback, we were not made aware of it by American Express, no signed return receipt, nothing, and because we did not refute it, because we did not know about it, they will not refund the money they have stolen.  Question, when can a buyer purchase goods, receive them, thank you for them, wait 3 months, not return any goods, and get all their money back while still selling the product they originally received?  What credit card company would even consider a chargeback in this situation, especially when it was previously proven false?

Here is the letter sent to American Express Corporate.

We hold a merchant account with American Express and we have just been notified that a chargeback has just occurred which had been settled 3 months ago.  We have tried unsuccessfully to resolve this issue with customer service representatives.  We have been hung up on and refused the opportunity to once again refute these fraudulent claims.

To recap this account dispute, we shipped a load of hay to Mr. ********** in February of this
year.  We provided documentation to American Express showing signed receipt of these goods and an authorization from them to bill their credit card.  We received and e-mail from him that they received their hay and were happy with the transaction.  From that point until sometime in late May we received no complaint or communication from ********* regarding his purchase. 

 We made an attempt to work with ********** but all we received was notification of a
chargeback.  Mr. ********** has not returned any product and to our knowledge could still be trying to sell the original order they received. 

 
We refuted this chargeback in May, funds were returned to us and to our knowledge this case was closed.  This is fraudulent, American Express should not be involved and the forced removal of funds from our account, along with pending funds belonging to another American Express card member is way out of line. 

This is wrong, we have proven that the account in question received their goods, there was no immediate dispute, only a delayed dispute when Mr. ********* expressed to us that he could not sell the hay for reasons that are out of our control.  Once a client receives goods we have no control over what that client does with the goods.  To our knowledge the hay could have been damaged while in Mr. Moladinas possession or may not have been damaged at all.
Policy is that you refuse or notify of damage the day of receipt, not 3 months after the fact when you have apparently been unable to resell the goods you purchased.  To hold us responsible for the condition of goods that had been in his care for 3 months is unacceptable.  To our knowledge this could have been items he placed in the hay in an attempt to be refunded for goods still in his possession.  We have already answered this claim once to their satisfaction.  That should have been enough.