Consumer complaint received 2017-11-16
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Date : XXXX XXXX, XXXX Subject : Unauthorized transactions - two AMEX credit cards Dear Sir/Madam, My name is XXXX XXXX and been working for XXXX XXXX since XXXX. This letter is to confirm that I had phone conversation with the AMEX Customer service/ fraud investigation department regarding following issues. 

I had two AMEX Delta Skymiles credit card accounts Card Type Number Delta Skymiles - Platinum XXXX Delta Skymiles - Gold XXXX Issue 1 : AMEX fraud department closed these two accounts on XXXX without informing me. I completely understand that AMEX has full right to close my account anytime. However, I have not been informed regarding closure of my account. I come to know when I call customer service and they told me that my account has been closed and customer service was unable to give me proper reason why they closed this account. After making several phone calls, I come to know that my account was closed without detailed explanation. I have been told that I have used AMEX card in XXXX in XXXX XXXX and reported charge as fraudulent. I have never reported these charges as a fraudulent charges. AMEX associate ( XXXX XXXX ) did not listen to my side of the story and she told me that I have to pay for these charges and all other subsequent charges. 
First of all, AMEX credit card charges occurred in XXXX, and I have disputed these charges to AMEX. I have never reported these charges are fraudulent, I have reported these charges as a dispute. I called several times, explained entire situation to the representative and reported these charges as a dispute. When I reported these charges as a dispute in XXXX XXXX, why your associate/system consider these charges as a fraudulent. There is a huge difference between fraudulent and dispute. Following charges are as under : Delta Skymiles Platinum : XXXX Date Amount Merchant Name Concern/Reason XXXX/XXXX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX : Not satisfied/non receipt Delta Skymiles Gold : XXXX Date Amount Merchant Name Concern/Reason XXXX/XXXX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX : Not satisfied/non receipt I strongly recommend AMEX to listen the entire phone communication regarding charges mentioned above. 

Issue 2 : After XXXX XXXX, I had few fraudulent ( I lost AMEX card ) charges on my both AMEX accounts and I have reported to AMEX in the given timeframe and AMEX have removed all charges from my account till XXXX XXXX. On XXXX XXXX AMEX reapplied all fraudulent charges ( Charges are as under ). I have reported following fraudulent transactions which were charged to my account without my authorization. I have explained these charges to the fraud department and communicated the entire incident to the fraud department in a timely manner and AMEX removed all charges. So, my question is why AMEX reapplied charges on XXXX? Original transaction occurred in XXXX XXXX and XXXX respectively. What AMEX fraud department was doing from XXXX XXXX to XXXX XXXX? 

I would like to pin point following concerns Investigation : Evidence What investigation did AMEX conduct? 
Sales Draft Signature Did AMEX verify signature on the sales draft which they received from merchant? I asked several times regarding sales draft from AMEX and AMEX never provided sales draft. Signature should match on the sales draft with my signature. 
Please review attached letter. AMEX reapplied fraudulent charges after 1.5 year to my account and send me letter. Never received signed copy of the sales draft from AMEX.
Why AMEX is reporting these fraudulent charges to all three credit agencies? 
Charges are as under Delta Skymiles Platinum : XXXX Date Amount Merchant Name Concern/Reason XXXX/XXXX/XXXX {$520.00} XXXX of  XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
- Merchant must check the ID for such a large transaction XXXX/XXXX/XXXX {$490.00} XXXX of XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
- Merchant must check the ID for such a large transaction XXXX/XXXX/XXXX {$1900.00} XXXX XXXX XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
- Merchant must check the ID for such a large transaction Delta Skymiles Gold : XXXX Date Amount Merchant Name Concern/Reason XXXX/XXXX/XXXX {$26.00} XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$41.00} XXXX XXXX XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$28.00} XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$1200.00} XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$9.00} XXXX XXXX XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$3.00} XXXX XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$51.00} XXXX XXXX XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$80.00} XXXX XXXX XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$4.00} XXXX XXXX XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$27.00} XXXX XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$9.00} XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$62.00} XXXX XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$29.00} XXXX XXXX XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$37.00} XXXX XXXX XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$18.00} XXXX XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$87.00} XXXX XXXX XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$2000.00} XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$8.00} XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 
XXXX/XXXX/XXXX {$10.00} XXXX XXXX - I would like to see signed copy of the sales receipt. Signature must match on credit card, ID and signed copy of the sales receipt. 

Please adjust my account information to reflect that I have disputed these transaction, remove these items from my statement, and send written confirmation that you have done so. 

I should not be responsible for these charges as I did not authorize. I have not used my card and I lost my card. I really do not understand why your fraud department holding me responsible for these huge charges where I never used my credit card. Moreover, this is not a small amount and AMEX should not authorize these charges as these charges are not in my normal spending habit and I do not drink alcohol than how am I going to spend {$1000.00} at the XXXX XXXX XXXX? This is a large amount and I should be protected against fraudulent charges. 

Please consider following questions when you review my case. 
1. Please provide sales draft from the merchant. I am not asking you the sales draft for all smaller transactions, however I am asking you to provide sales draft for the larger transactions listed above.
2. This is not my normal spending habit since I opened AMEX card in XXXX XXXX. Why AMEX credit card did not send any text alerts/email for such a large transaction? 
4. Does AMEX Fraud department have enough evidence which does confirm that I did make these transactions? 
5. I have spoken to my attorney regarding this matter and discuss in much more detail with him. He suggested that it is best interest for both parties to resolve this issue as it is not worth of money for both of us.
6. My attorney did advise me that this is clearly Truth in Lending and Fair credit reporting issue and AMEX should not be changing fraudulent charges to my account. I am not responsible for these fraudulent charges. 
7. You have reapplied these charges to my AMEX account and minimum payment due on XXXX. Please take immediate action as I do not want AMEX to report these charges to the credit agencies. 
Please investigate this matter and correct the billing error as soon as possible. Contact me if you have any questions or need additional information.

Company response to consumer: Closed with explanation