American Express — charging emis without any loan and that too twice

I bought a watch from snapdeal for rs.7, 295 on january 17, 2017 and took it on emis of 12 months from my amex credit card. But then i decided not to buy that so i cancelled the order and snapdeal refunded the money to my amex credit card on january 19, 2017.

On january 20, 2017, amex converted rs.7295 in emi (Against the purchase that i made, which snapdeal refunded) and started charging rs. 653 as monthly installment.

They didn't stop here, they then again converted same amount of rs.7295 in another loan on january 25, 2017 and started charging rs.656 as monthly installment. This loan and emi was when i did not make any purchase.

Since last 8 months, these guys are charging rs.1309 on monthly basis from me and then putting finance charges, late fee charges etc etc. I am a small business man, busy in settling my business, hustling with the competition and economic reforms of our present govt, had faith that these guys are not going to do anything wrong. And today i am sitting at 1am midnight, checking all my last 2 years statements and informing these guys. This was not expected out of an organization like american express.

Highly dissatisfied...

Abhishek sharma
+91-[protected]