Consumer complaint received 2015-10-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
I recently complained to Better Business Bureau and to Consumer Financial Protection Bureau and American Express says they would not credit me my {$9.00} when I reported my prepaid debit card lost and stolen in the XXXX XXXX in XXXX, California, I mean I feel that American Express has terrible Customer Service and I am very mad that Consumer Financial Protection Bureau and Better Business Bureau has not been able to help me solve this problem I am having with them. Because I have banked with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and before I can report my debit card lost and stolen they always called me on my phone to tell me that some one is doing fraud on my debit card and even though I have lost my debit card more than once, they were always nice enough to issue me a credit or a reimbursement. The only reason why I am not using a bank and why I just American Express as a prepaid customer is because American Express does not charge me a monthly fee to be a customer and does not require a monthly balance. 

If my wallet was never torn and I had a job and I was not living in a group home, having limited assets, getting paid social security once a month because I am XXXX and I have to pay rent to the group home otherwise I will be kicked out and I do n't get that much of money from Social Security, then I would never loose my cards in the first place and I will still be able to do business with American Express, because I wo n't have to be disputing charges and then they think I am doing identity theft or trying to scam American Express by saying I did n't make those charges by saying reimburse me for that money when I say send me a new debit card, when they have no prove that I lost my debit card. American Express is very unprofessional and violating the government regulation law when they are regulated by the FDIC because even though I get them a police report, they wo n't even investigate it or give me my {$9.00} back since there back office told them not to all because they closed my account and they do n't want to do future business with me ever again, but my friends have had a bank account or a credit union and have disputed transcations that are not there 's, especially if they can provide a police report and the bank or credit union has always returned the money back, if they did n't made those charges and protected them from identity theft, instead of blaming them that they are just trying to scam the prepaid banking department so they can get there money bank and cancel there card on purpose and abuse the system on purpose when they have no evidence when I really lost my prepaid debit card. And how will they know that I lost my prepaid debit card and I am not trying to get my {$9.00} when they would not take a police report from me. I mean, American Express was rude to me and said they do n't care if I report them to the new 's media that they wo n't give me back my {$9.00}. And I do n't want to take them to Small Claim 's Court if Consumer Financial Protection Bureau or XXXX ca n't force them to give me my money back but maybe use publicity to embrass them for having terrible poor people and interpersonal skills.

Company response to consumer: Closed with explanation