Consumer complaint received 2023-02-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Bellow is my communication with XXXX who has been no help. They resolved the fraudulent accounts, have told me they sent the credit balance refund for the money drafted against my checking account without my authorization, but have not revived these checks for months in the amount of XXXX XXXX XXXX XXXX and XXXX. 

Hello? 
From : XXXX XXXX XXXX XXXX Sent : XXXX XX/XX/XXXX XXXXXXXXXXXX XXXX  XXXX : American Express Executive Assist XXXX Subject : Re : A message from American Express Executive Customer Care XXXX , I need to speak with you prior to end of business. This is an urgent matter, credit balances have been made known to me and payment is required today. If I dont hear from you before XXXXXXXX I will be pressing charges without further consideration. 

XXXX XXXX XXXX From : American Express Executive Assist XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXXXXXX XXXX   To : XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : A message from American Express Executive Customer Care American Express ( XX/XX/XXXX XXXXXXXX XXXX ) Thank you for your recent correspondence to the Executive Office. I am in receipt of your email, however, you have reached me outside of office hours. 

Please note that my office hours are XXXX XXXX XXXX XXXX XXXX 

Customer ( XX/XX/XXXX XXXX XXXX  ) Following up Customer ( XX/XX/XXXX XXXX XXXX ) Correction, the security pin on the accounts is XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  To : American Express Executive Assist ; XXXX, XXXX ; c-Claim Inbox ; Financial Lines Claims Ops Subject : Re : A message from American Express Executive Customer Care Good evening XXXX, I hope this email finds you well. Its been over two weeks since I initially heard back from you and the accounts ending in XXXX totaling XXXX + of unauthorized drafts by American Express to my checking account American Express did not have the authorization to link to this account, was resolved in writing on the XXXX of XXXX. In addition, XXXX of payments taken without authorization against that same checking for the resolved fraud account ending in XXXX. If your fraud department has not responded by now, Im concerned my only option is to bring them to court. I need to you to gather a solution by the end of business Wednesday. Weather we can resolve it in house as XXXX XXXX claims Amex is liable for drawing against the account without authorization, you guys were only authorized to draw for the valid applications, and it was the online account takeover with Amex that allowed this nightmare to take place, not XXXX XXXX, and the account is closed and they claim it is unserviceable in this closed status, and they clearly dont have the funds, Amex processed them and own liability. If I cant get this resolved with you by Wednesday, I do hope, as agreed, you will have a plan as to how we can work together to recover these funds, by law, Amex has 7 days from the date the credit balance refund is requested to get it together. Its a federal law under fair credit acts that enables me to pursue damages, as well as the false reporting of these account under my name, and ect. Your fraud department has been an impossible entity that has cost me time, money, and my well being. If they arent willing to do the right thing, Im prepared to bring them in front of a judge and hopefully alter Amex policys and procedures so no one becomes a victim the way I continue to be victimized every day. I was expecting a call from you, do expect to have the company served for 6 figure damages Thursday or at least file for them if my money and well being is continued to be neglected, by a generous extension of time Im allowing you guys to work on this, as federal law allows me to file suit against the company already as you are past the time allowed. No updates have been provided, you guys still are the last entity to have taken my money and processed it without my authorization and have offered absolutely no recovery for the funds your company continues to hold out of my reach, that do not belong to you without my consent, proven by your resolution of the fraud applications in writing, in the amount of grand larceny, past my federal rights. I expect a call tomorrow, if not by XXXX XXXX Wednesday, please respond with the time that works for you as my attorny will be present at this point. We will have a resolution for my funds back without sealing damages by Wednesday, or I will be pursuing 6 figures on both accounts involving too much neglect and damages to go unaddressed if Im not even offered the money I should already have in my pocket back. Beyond that, I need to discuss the blue cash every day and cash magnet accounts with yoy as Ive submitted addition documents to get all of the charges after those accounts were taken over disputed and resolved, and thats going to result in additional credit balance refunds, as the fraudster used the linked checking I had linked to those accounts to make payments On charges they made after the accounts were redirected from XXXX XXXX XXXX  XXXX XXXX the place I opened those accounts to and the only address cards should have ever been sent to, but were routed to XXXX XXXX addresses. Its been a year since Ive started to try and resolve all of this mess allowed by a company that really claims customer service as a priority, and a year later, Im getting excited to bring the executives of this company to court so they can better understand how they need to do business different to protect consumers like my self for this traumatic, damaging, and financial crisis created by your company thats cost me close to if not more than {$30000.00} in funds Amex stole/ holds without true effort to resolve in a timely fashion, my credit worthiness, my health and well being as I fight for my money back with no resources left. I encourage your prompt response, Im done waiting, you guys are out of time, and if you make me wait past Wednesday, Im going to make it worth ny while rather than the fair and simple request for ny hard earned money on ny pocket that your company stole, continues to hold with knowledge, on top of the damages caused by the laws broken under the fair credit reporting act already reported to the federal trade commission, blocked by all credit reporting agencys, while I still get calls from collections knowing amex was not allowed to sell, trade, or place this debt with Collections after being blocked by all reporting agencys, and keep calling both myself, and even my fathers family business looking for me after such event. XXXX, Im disappointed, and the way this has been done with the amount of time you guys have had to resolve your wrong doings is truly disgusting. This is an absolute nightmare and unfair, I dont believe American Express should continue to operate and victimize anyone the way the companys neglect and illegal movements have impacted me and my family. Again, my number is ( XXXX ) XXXX, I appreciate your immediate attention. 

Best, XXXX XXXX XXXX XXXXXXXX XXXX XXXX nj XXXX XXXX Account security pin- XXXX XXXX - XX/XX/XXXX Deadline, XX/XX/XXXX XXXX XXXX  From : American Express XXXX XXXX XXXX : Monday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : A message from American Express XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) Good evening XXXX, I hope this email finds you well. Its been over two weeks since I initially heard back from you and the accounts ending in XXXX totaling XXXX + of unauthorized drafts by American Express to my checking account American Express did not have the authorization to link to this account, was resolved in writing on the XXXX of XXXX. In addition, XXXX of payments taken without authorization against that same checking for the resolved fraud account ending in XXXX. If your fraud department has not responded by now, Im concerned my only option is to bring them to court. I need to you to gather a solution by the end of business Wednesday. Weather we can resolve it in house as XXXX XXXX claims Amex is liable for drawing against the account without authorization, you guys were only authorized to draw for the valid applications, and it was the online account takeover with Amex that allowed this nightmare to take place, not XXXX XXXX and the account is closed and they claim it is unserviceable in this closed status, and they clearly dont have the funds, Amex processed them and own liability. If I cant get this resolved with you by Wednesday, I do hope, as agreed, you will have a plan as to how we can work together to recover these funds, by law, Amex has 7 days from the date the credit balance refund is requested to get it together. Its a federal law under fair credit acts that enables me to pursue damages, as well as the false reporting of these account under my name, and ect. Your fraud department has been an impossible entity that has cost me time, money, and my well being. If they arent willing to do the right thing, Im prepared to bring them in front of a judge and hopefully alter Amex policys and procedures so no one becomes a victim the way I continue to be victimized every day. I was expecting a call from you, do expect to have the company served for 6 figure damages Thursday or at least file for them if my money and well being is continued to be neglected, by a generous extension of time Im allowing you guys to work on this, as federal law allows me to file suit against the company already as you are past the time allowed. No updates have been provided, you guys still are the last entity to have taken my money and processed it without my authorization and have offered absolutely no recovery for the funds your company continues to hold out of my reach, that do not belong to you without my consent, proven by your resolution of the fraud applications in writing, in the amount of grand larceny, past my federal rights. I expect a call tomorrow, if not by XXXX XXXX Wednesday, please respond with the time that works for you as my attorny will be present at this point. We will have a resolution for my funds back without sealing damages by Wednesday, or I will be pursuing 6 figures on both accounts involving too much neglect and damages to go unaddressed if Im not even offered the money I should already have in my pocket back. Beyond that, I need to discuss the blue cash every day and cash magnet accounts with yoy as Ive submitted addition documents to get all of the charges after those accounts were taken over disputed and resolved, and thats going to result in additional credit balance refunds, as the fraudster used the linked checking I had linked to those accounts to make payments On charges they made after the accounts were redirected from XXXXXXXX XXXX XXXX XXXX Nj, the place I opened those accounts to and the only address cards should have ever been sent to, but were routed to XXXX XXXXXXXX addresses. Its been a year since Ive started to try and resolve all of this mess allowed by a company that really claims customer service as a priority, and a year later, Im getting excited to bring the executives of this company to court so they can better understand how they need to do business different to protect consumers like my self for this traumatic, damaging, and financial crisis created by your company thats cost me close to if not more than {$30000.00} in funds Amex stole/ holds without true effort to resolve in a timely fashion, my credit worthiness, my health and well being as I fight for my money back with no resources left. I encourage your prompt response, Im done waiting, you guys are out of time, and if you make me wait past Wednesday, Im going to make it worth ny while rather than the fair and simple request for ny hard earned money on ny pocket that your company stole, continues to hold with knowledge, on top of the damages caused by the laws broken under the fair credit reporting act already reported to the federal trade commission, blocked by all credit reporting agencys, while I still get calls from collections knowing amex was not allowed to sell, trade, or place this debt with Collections after being blocked by all reporting agencys, and keep calling both myself, and even my fathers family business looking for me after such event. XXXX, Im disappointed, and the way this has been done with the amount of time you guys have had to resolve your wrong doings is truly disgusting. This is an absolute nightmare and unfair, I dont believe American Express should continue to operate and victimize anyone the way the companys neglect and illegal movements have impacted me and my family. Again, my number is ( XXXX ) XXXX, I appreciate your immediate attention. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account security pin- XXXX DOB - XX/XX/XXXX Deadline, XX/XX/XXXXXXXX XXXX XXXX XXXXesponse ( XX/XX/XXXX XXXXXXXX XXXX ) Dear XXXX, Thank you for contacting the Executive Office of American Express XXXX I am still investigating your inquiry. Your concern remains our priority. I am waiting to hear from our Fraud Department and will follow up when more information is available. 

Thank you for your patience. 

XXXX XXXX American Express Executive Office This is a customer service e-mail from American Express. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/fraudprotection. 

XXXX American Express Company. All rights reserved Ref # XXXX [ -- XXXX -- - ]

Company response to consumer: Closed with monetary relief