Consumer complaint received 2022-12-15
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was arrested XX/XX/XXXX in XXXX, Oklahoma. During dispute, lost possession of wallet and personal belongings. Was released XX/XX/XXXX. Inside wallet was American Express Serve Prepaid Debit Card containing earned income from old employer, which I set up for direct deposit, using the card provided by tax agency for tax filing. Perpetrator used card to empty out until XXXX in XXXX XXXX while I was jail. Upon release, and realizing card was empty, immediately filed dispute with American Express Account Protection Services. American Express takes 10 days to review dispute, and denied. One of the first questions asked on form is " Did you ever give anybody consent to use this card? ", which I never did. Perpetrator was able to use card as credit without providing a PIN at POS 's. American Express said reason for denial of request would have to completed via mail request and that a response would be sent, which they never did. Filed a police report upon second dispute request, under the impression that it would not be necessary because I was clearly in jail during transactions ' occurrence, denied for 'authorized transactions '. XXXX Police Department recommended to sue in small claims, which I did, and was granted a default judgement of {$1500.00} against the criminal. Perpetrator lives life of promiscuity, refuses to work, and has XXXX assets to enforce/garnish wages. Sought help on two occasions from XXXX XXXX of Oklahoma to no avail. I reverse social engineered perpetrator using XXXX XXXX to get her to admit she stole my card and owed me money on several occasions. I also have messages of myself and perpetrator on XXXX talking of my repayments, I reverse social engineered perpetrator on social media to gather information about her whereabouts to getting her served, and to use her for conjugal purposes. However, I did not ever give her consent to use my card, she stole it was I was in jail. It is American Express 's ill judgment that has caused me much financial crisis ', XXXX and XXXX. I was homeless at the time of my release, and still struggle financially to the present. I Sought help of Oklahoma Attorney General Consumer Protection Unit to no avail. American Express did not respond to O.A.G. Consumer Protection Unit. American Express Account Protection Services permanently closed my account, said at one to file disputes with each individual retailer, and that transactions were authorized because I 'benefited from transactions '. Paperwork was provided at first dispute showing that I was in the XXXXXXXX XXXX  during thefts, and I never gave perpetrator any consent to steal my earned income, at any time. I have ample paperwork of all incidents to corroborate this statement. American Express at one implied that I committed fraud because of the nature of my relationship with past victims, but I suspect embezzlement, discrimination, and abuse of authority.

Company response to consumer: Closed with monetary relief