I wish I could give negative stars. As a 40 year card member, this will be my last year because of a $226 dispute. America. Express has decided to side with Headout tour company. Long story short, I paid for a walking tour and Churchill War Rooms in London. My group arrived 20 minutes prior to the tour at the exact meeting point. Our guide DID NOT show up. I disputed the charge. Headiut claimed I did not cancel or tour in tim for a refund. We wanted the tour and had no intention of canceling. Then AmEx closed this dispute siding with Headout. I reopened the dispute proving with photos and video that we were at the correct location for over 50 minutes... waiting... and waiting. That I tried to contact them with their chat method as well as by phone. Nothing. Then Headout said that 37 people made the tour. That is false as this was a small group tour. Now AmEx closed the dispute again and told me not to bother opening it again. HEADOUT IS A FRAUD AND AMEX SUPPORTS THEM. Really glad I am a Merrill Lynch Black Card holder. I only soent hundreds of thousands because of Delta. I'm done with AnEx and my charges are going back to Merrill Lynch. Their card is free and I can fly on any airline. Shame on you AmEx, truly a disappointment . I will not be renewing my card.