Consumer complaint received 2019-04-10
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: Card was charged for something you did not purchase with the card

Complaint:
- in XX/XX/XXXX I disputed a charge for a XXXX computer and made a strong case for this being a fraudulent charge. My Amex card has been closed since XX/XX/XXXX in what I assume was retaliation with a XXXX balance until they added a balance back on two separate occasions. I have refused to pay and they recently started making threats to report me to the credit agencies. Also legally this debt had to have been written off of 180 days which has not been done - My identity had been stolen via the mail room this affected more than just American Express and documented everything - The package was signed for by " locker '' which is the signature given by buildings that have a package locker, mine did not - I filed both a ftc report and a police report and was told that if I did so the charge could be reversed - The XXXX did not match my address on file at the time - I also pointed out how best but had incorrect contact information and the item was purchased from a ip address in Hawaii while I was with friends in XXXX XXXX at the time of purchase. I did buy a ticket for my GF there, but she did not have my card nor permission to ever use it on my behalf -the card was closed in XX/XX/XXXX with a XXXX balance -a unexplained reversal plus a rebill several statements far later than the 2 month requirement in XX/XX/XXXX, XX/XX/XXXX -amex continues to call saying  I owe money, but while the website does shows a balance that they produced but also reads in big red letters " this account has been settled and no further payment is required '' I ask that they post haste remove this erroneous charge, and if they feel it's valid then at least forgive it given the multiple errors where it has been added back to my account 3 times with little explanation and in clear violation of rights to information and their requirement to settle this in 2 billing periods as this is an over 1 year old charge, I have clearly disavowed and they poorly researched my claims including XXXX running its own investigation finding me to be the victim of iD theft and reversed charges for similarly purchased XXXX XXXX computers on the same date. I worry everyday that Amex will make good on its threat and erroneously ruin my credit when information that could prove helpful was not provided, I am frequently hung up on, deadlines for them to act has passed, and acting generally crass towards a victim of identity theft that affected 3 other cards and a drivers license which were intercepted. XXXX XXXX has also not returned a single phone call to their dedicated fraud team that handles matters like this and would not give me any information directly including details of delivery to a complex where packages are signed for by locker. I remind Amex and XXXX XXXX that I am XXXX and they refuse to accommodate this with verbal conversation along with written documentation for demoralization. Every single one of these letters sent to received required me to seek external assistance which is not compliant with XXXX ADA or the state of CA ADA. 

I can be reached at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation