Consumer complaint received 2021-09-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Call American Blue Card about a charge that is not mine and my card was never used and let me just make something perfectly clear not only was there no transaction there is no swipe no signature no contract nothing and they would not have any documents to validate and verify anything. 
No contracts nothing my question to you is how did they get away with getting {$750.00}. 
no imprint or swipe the card no authorization I mean like nothing absolutely nothing an American blue comes back with the email saying there's documents call these XXXX numbers which I am talking to you right now. 


After several attempts of working this issue out with Bluebird credit card they have absolutely done nothing. 
See email Below : Hi, XXXX XXXX, We received your recent inquiry about the following transaction : We have completed our review and have determined that no credit is due. The transaction will remain on your account because : Transaction Details : Date XX/XX/2021 Amount {$750.00} From/To XXXX XXXX XXXX XXXX XXXX Based on the investigation there is no error found. To determine the outcome of a claim the following data elements could be considered : information provided by the cardholder data/account information and when available third-party verification. 

If you would like to receive a copy of the documents that we used while making our decision, please contact us at XXXX. 

Questions? Call us at ( XXXX ) were available 24/7. 

Thanks, The Bluebird Team Response : The law for consumer rights with credit card disputes, known as the Fair Credit Billing Act, states that consumers must make a good-faith effort to handle purchase problems with the merchant before filing a dispute. Your credit card company will likely remove the charge from your statement during the dispute process. 
Credit Card Disputes - When Are Customers Entitled to Dispute a Charge? A credit card dispute, more commonly known as a credit card chargeback, occurs after your customer, identifying a transaction they believe is not valid, disputes the transaction to the issuing bank.The Fair Credit Billing Act regulates what the company can do while its investigating : It cant try to collect the amount thats in dispute or the interest on that charge, although you still have to pay the part of your bill thats not under investigation. 
Its not allowed to close your account. 
It cant report you to the credit bureaus for failing to pay the disputed charge. 

Finally, the law limits what you owe if your credit card company doesnt follow the procedures mandated by the Fair Credit Billing Act. Thus, if your credit card issuer tries to collect a charge while its investigating or violates the act in any other way, you should contact the Federal Trade Commission. 
https : //www.americanexpress.comXXXX Important Note : What to do if you suspect fraud A disputed charge is not the same as a fraudulent charge. At American Express, we work hard to protect you from fraud, but your active involvement plays a very important role. It is a good idea to regularly monitor your online account and statements for unusual activity. If you find a charge for a merchant with whom you did not conduct any business, then the charge could be fraudulent. Credit card fraud happens when someone makes an unauthorized charge with your account, which may happen when a card is out of your possession, lost or stolen. To learn more about the measures we take to help protect your account, as well as the steps you can take to safeguard yourself, visit our Security Center. If you suspect fraud, please call XXXX immediately and one of our Customer Care Professionals will assist you. And remember, when you use your American Express Card, you're not liable for fraudulent purchases. 
this company does nothing but only plays music!

Company response to consumer: Closed with explanation