On February 16, Janet Owen ordered some merchandise from me on the internet. She had not received it by March 9th and stupidly filed a charge back with her credit card company, American Express. The item she was waiting for was actually on the way to her in the mail. I contacted her and PayPal, as the transaction was made through PayPal and informed them the item was on the way to her. Finally, April 8, I got a ridiculous letter from American Express telling me they are unable to open a merchant account for me. They never addressed the transaction at all. In the meantime, Janet Owen has received the merchandise and it is unpaid for. Part of the letter from American Express tells me that I "previously had an American Express Merchant or Card Account that was cancelled due to negative circumstances." This is true, I cancelled it due to negative business practices of American Express and the card account is at least 8 years old since the last activity. I have no business dealings with American Express anymore. The merchandise was paid for through American Express, as it was a PayPal transaction that didn't give me the option of denying any particular credit cards. I no longer use PayPal as a payment source and have limited my merchant account to Visa and Master Card.