Consumer complaint received 2023-04-05
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am unable to upload the declaration of fraud form through the email link sent to me. I have emailed the form on XX/XX/XXXX to XXXX But I have been informed that it was not received yet. I hope to receive another declaration of fraud form via another email like the representative I spoke to over the phone told me within 1-2 days. I do hope that once received, your team will add the provisional credit to my account. 



I am questioning your investigation, the fact that your team has denied my claim and refuses to refund the government benefits due to me. 

This has had a negative dominoe effect on my life. I lost my vehicle, I have past due registration charges that I was going to pay. As well as ending up homeless and having to move into a shelter due to my money being stolen then not having the funds to cover my rent. 

The reason for denial was We are unable to process your request due to no documents being used in the decision, as none were needed. 
And Goods and Services ; Transaction was determined to be a possible billing error, otherwise valid charge, or inconclusive to be accepted as fraud. 


Due to the pre authorization for a credit check made on XX/XX/XXXX for a dollar and then the subscription charged on the XXXX for XXXX XXXX My claim was denied. I do not wish to dispute those two charges.

Only the ATM withdrawals. I also noticed in the dispute acknowledgement emails that I received, it shows the date for the transaction as the date that I made the dispute verses the actual date of the transaction. 
Below I will provide the details of the withdraws I did not make and would like for your team to do an accurate investigation on this. 
I am sure if you look for the video surveillance of the ATM transactions you will find that it was not me. I have not benefited from any of this and do not know who took my money. 





XX/XX/XXXX ATM Withdrawal XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX - {$200.00} XX/XX/XXXX Cash Withdrawal ATM Fee XXXX - {$2.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX. XXXX, CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX CA XXXX - {$400.00} XX/XX/XXXX Cash Withdrawal ATM Fee XXXX - {$2.00} XX/XX/XXXX Cash Withdrawal ATM Fee XXXX - {$2.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX CA XXXX - {$400.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX, CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX, CA XXXX - {$100.00} XX/XX/XXXX Cash Withdrawal ATM Fee XXXX - {$2.00} XX/XX/XXXX ATM Withdrawal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX - {$100.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX, CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX, CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX, CA XXXX - {$100.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - {$60.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX, CA XXXX - {$20.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX, CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX, CA XXXX - {$20.00}. XXXX XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX, CA XXXX - {$200.00} XX/XX/XXXX ATM Withdrawal XXXX XXXX XXXX XXXX XXXX, CA XXXX - {$100.00}

Company response to consumer: Closed with explanation