Consumer complaint received 2021-09-05
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
UPDATE TO COMPLAINT # XXXX FILED ON XX/XX/XXXX : Today ( XX/XX/XXXX ) I logged into my American Express online account looking for an update on the pending charge of {$3300.00} relating to the elaborate fraud that I was the subject of on XX/XX/XXXX and which I had reported to CFPB in my original complaint # XXXX. 
I noticed two things on my American Express online account : - the fraudulent charge was not in " pending '' status any longer and instead it had now been posted to my account but with a different transaction date ( XXXX instead of XX/XX/XXXX ) and with a slightly different amount ( {$3300.00} instead of {$3300.00} ), possibly the result of applying a different foreign exchange rate as the unauthorized e-commerce transaction apparently took place on an online website in XXXX XXXX. 
I realized that - as a result of the slight changes both in the date and in the amount of the fraudulent charge - the Amex system may not automatically connect my dispute of the original fraudulent charge of {$3300.00} to the new charge of {$3300.00} that was posted to my account today. I therefore initiated an online dispute of the new fraudulent charge of {$3300.00} through the Amex website. I then called Amex 's Account Protection Department at XXXX EST to notify that the new fraudulent charge of {$3300.00} which had been posted to my account was connected to the unauthorized transaction which I had already disputed and provided them with the original reference number so that Amex could link the two cases and investigate. 

BELOW THE TEXT OF MY ORIGINAL COMPLAINT TO CFPB FILED ON XX/XX/XXXX : Yesterday I was the subject of a sophisticated phone scam resulting in a fraudulent charge of US {$3300.00} on my American Express card relating to an unauthorized e-commerce transaction on what appears like an online website in XXXX XXXX. I received a call at XXXX on XX/XX/XXXX from Ph. # XXXX XXXX XXXX XXXX : my cell phone displayed American Express as the caller from that number. The scammer introduced himself as an American Express ' employee needing to verify two charges on my American Express card which he claimed had just occurred in Texas : one for {$720.00} and one for {$410.00}, both relating to International Travel and Tourism. I declined both charges as being unauthorized : I explained I'm based in XXXX and I had not traveled to Texas nor had I incurred those two charges. He then asked for additional details on my card in order to be able to decline the two charges : he asked for last 5 digits of my Amex card, last 4 digits of my SSN, front and back security codes on my Amex card, and my mother 's maiden name. He then claimed that American Express was going to introduce a two-step verification system in order to use my card out-of-state and internationally going forward. At that point he said I was about to receive an email with a verification code from American Express as part of the new two-step verification process and that I should read the code back to him. At XXXX I received the email from American Express with the verification code and I read the code back to him. Immediately after ( at XXXX ) I then received another email from American Express asking to review a charge of XXXX MYR from XXXX XXXX and showing that this charge had been approved : this charge - which I had never authorized and is fraudulent - immediately appeared in my American Express online account as a charge for US {$3300.00}. When I received the email from American Express at XXXX asking me to review the charge and saw the USD charge appear on my American Express online account I asked the caller what that was about and he claimed that it was not a real charge but that the email was only meant to show how the two-step verification process would work when using my card for foreign transactions. He also told me that the two original charges he had called to alert me of would post on my American Express account the following day but they would be declined. At that point he ended the call ( which lasted a total of approx 29min ). I then immediately called American Express ( at XXXX ) to verify the legitimacy of the call I had just received but they told me on a recorded line that they had no record of the two transactions for {$720.00} and {$410.00} while on the other hand they did see a charge for US {$3300.00} from XXXX XXXX . I explained to American Express the scam I had just been the subject of and notified American Express that the charge from XXXX XXXX ( apparently an online ecommerce website in XXXX XXXX ) was fraudulent and unauthorized. The charge is now pending in my American Express account while American Express investigates further. Meanwhile, I have reported the fraud to the Federal Trade Commission ( FTC Report # XXXX ).

Company response to consumer: Closed with monetary relief