Consumer complaint received 2018-05-05
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:
Dear Sir/Madam, American Express ( Green Card ) account opened sometime XX/XX/XXXX, A MUST paid in FULL on a monthly basis ( under terms and conditions ). 

On XX/XX/XXXX, my american express was fraudulently charged in the amount of {$1300.00}. XXXX by XXXX, I called in XXXX to dispute for Billing and Fraud, no  luck at all, representative were rude, did not do their job and I get numerous run around. I decided to call AMEX to file a fraud dispute on XX/XX/XXXX. Around XX/XX/XXXX,  American Express CLOSED the entire credit card with XXXX balance., including the disputed amount above. American Express failed and mishandled the fraud disputes every month, I made numerous calls with American Express via phone and email and online to re-disputes over and over again, but no to success. 

These are the breakdown for disputed amount {$1300.00} ( XXXX XXXX ) ; {$490.00}, {$200.00}, {$200.00}, {$200.00}, XXXX 

Finally, after numerous calls, disputes and claims, around XXXX-XX/XX/XXXX american express partially provided me a credit in the amount of around {$300.00}, then, american express added the remaining disputed amount as a balance on my closed account. Then. Due to unsuccessful disputes made to amex to XXXX, amex keep adding the remaining balance on my closed account every month, I have to ensure that I have to call amex and I wont be charged for the reported balance and not to be reported as default to the credit bureaus. Around XXXX-XX/XX/XXXX I  was provided a second credit of around {$660.00} living a balance of {$290.00}. As of today, this balance still showing outstanding and I believed this is inaccurate. On XX/XX/XXXX, called in again to follow up in regards to the ongoing disputes, accrding to the representative the most current disputes still on pending and still being investigate again, American express is not resolving the fraud disputes multiple times, amex is not very helpful but keep hurting my credit record by reporting inaccurate data to the credit bureaus and this is a violated my rights and their terms and conditions under federal trade commissions " Fraud Disputes " section FCRA act. 

In XX/XX/XXXX American Express reported a " 30 Days past Due '' to the credit bureau and is impacted my credit record and huge impact on my credit score as well. I believed this also inaccurate and mistaken. How can a credit card that was being closed in XX/XX/XXXX with a XXXX balance around XX/XX/XXXX and has a current and ongoing fraud disputes be reported as 30 days past due? I believed this a huge mistakes and error, made by american express. I was never late with them paid the balance every month and all my other loans and credit cards and I have a good credit record standing. 

In addition, Around XX/XX/XXXX American Express reduced and adjusted my yearly membership fees by {$47.00}. In Summary, this account should have been XXXX and with balance credit of {$47.00} and american took this money for no reasons. 

Below are just the few disputes and confirmations that I made to American for your record for the duration of 14 Months ( 1 year and 2 months unsuccessful disputes ). 

$ XXXX - XXXX Date of transaction : XX/XX/XXXX Dispute Reference Number : XXXX $ XXXX - XXXX Date of transaction : XX/XX/XXXX Dispute Submitted : XX/XX/XXXX Dispute Reference Number : XXXX $ XXXX - XXXX Date of transaction : XX/XX/XXXX Dispute Reference Number : XXXX $ XXXX - XXXX Date of transaction : XX/XX/XXXX Dispute Reference Number : XXXX $ XXXX - XXXX Dispute Reference Number : XXXX XXXX XXXX XXXX, XX/XX/XXXX Amex Claim XXXX Spoke to XXXX XX/XX/XXXX Rep Id # XXXX Spoke to XXXX XX/XX/XXXX XXXX Spoke to XXXX XX/XX/XXXX No reference provided I was advised verbally she ( XXXX ) will followup at the back office and she can not provide a number and transfer me ( this is from Fraud Department ). 

Thank you in advance and I am hoping to resolve this lingering issues, cause it hurting me record report and credit record and my livelihood and my health and financial situations. 

XXXX XXXX XXXX # XXXX XXXX XXXX email ; XXXX XXXX

Company response to consumer: Closed with monetary relief