I have recently had an experience with American Express. I would never have an American Express card. I had a patient file for a refund for treatment from both my partner and myself, by lying to American Express. I responded to the allegations in a prompt fashion, sending them all the information asked for and proving beyond a shadow of a doubt that my associate and I were in the right. American Express sent the charge back to the wrong address with my associate and then closed the case in favor or the card holder in my associates case. They closed it in favor of the card holder three times in my case stating that I did not respond to them withing the time allowed. I responded on the day that I received the notice each time. How much more prompt could I be. It became obvious that American express was not interested in honesty, Integrity, or truth. All they were interested in was who was giving them more money (the cardholder) They have refused to discuss the matter with me, so I filed a police report. The officer could see clearly that the patient had defrauded me and my associate out of $5300. I am really hoping the prosecutor will find the case worthy of his time.My point is that a Credit card company who is uninterested in the truth will just as quickly turn the tables on a card holder if they are dealing with a large merchant who is paying them more revenues than the card holder and allow an unscrupulous merchant to take advantage of the cardholder.