I have been a victim of identity theft this year and have legitimately reported the fraud to American Express XX/XX/XXXX and they did take off all of the fraud from my credit card statements and issued me out the dispute reference numbers of : XXXX and XXXX, however, later on they put it all back on! 
Furthermore, all of the FRAUD occurred when i was out of the country from XX/XX/XXXX until XX/XX/XXXX of when I returned back to XXXX XXXX. 
When I got back to XXXX XXXX, I did file a police report and have been communicating with Detective XXXX at the Commercial Crimes Department in downtown XXXX XXXX on XXXX XXXX XXXX and she has told me that if i did NOT receive any merchandise, nor services than i am NOT legally responsible for this FRAUD. 
I have already supplied the detailed police report and number to the Fraud Department of American Express and they simply Do Not Care! 
Furthermore, I can Prove That I NEVER Received Any Services, Nor Merchandise From Anybody with Video Footage and Witnesses who have been living at my address of XXXX XXXX XXXX, XXXX XXXX, california XXXX for the past eight ( 8 ) years who happen to be : XXXX XXXX XXXX XXXX XXXXXXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX who can both testify that NO merchandise was ever delivered to this address from any courier company, nor United States Postal Service, nor have I ever signed for anything stating that I received anything either. 
Please NOTE : For the other Fraud Charge for XXXX XXXX for {$20000.00}, there was NO 2nd Floor Ever Built, nor Started by this Fake Contractor and i have another witness who happens to be a Licensed California Contractor who can testify as well. His name is XXXX XXXX XXXX from XXXX XXXX and he can be reached at : XXXX XXXXXXXXXXXX. 
Sadly, the American Express Fraud Department does NOT want to investigate at all and is just Too XXXX Lazy, Unwilling and Uncaring to do so. 
They Just Want Their Illegal, Fraudulent Money and that is ALL! 
Please NOTE : When I have asked them to send somebody over to investigate and search my home to prove that I have NO merchandise and to prove that there is NO second floor at this residence where I live, they have REFUSED! 
I have also offered to provide them with a Copy of My United States Passport and get copies of my airplane tickets to prove that I was out of the country and they have Refused as well! 
THEY do NOT want to face the Reality, Integrity and Honesty coming from a customer who has been with them for almost 20 years. 
I am NOT going to fall victim to something that I did NOT do! 
NO Way! 
I personally do NOT care if this goes on my Credit Report! 
I will NOT pay for Fraud, Period! 
I have been in touch with all three credit reporting agencies and all of them have the police report and are 100 % aware of the situation and so are the Police as well! 
I am also in touch with a Lawyer as well who is 100 % aware of the situation and has all of my documents related to this Fraud Case as well! 
In American Express 's Latest Negative Letters that I am supplying, they state the following : " When you release your account number to the merchant, you are giving the business permission to charge your account. As a result, we are unable to reverse the requested charges. The previously issued credits have been re-billed and will appear on your upcoming statements. '' For The Educated : My information, identity and online information were Hacked and they have my Police Report and I NEVER GAVE OUT MY INFORMATION, nor have I received this MERCHANDISE and American Express once again has REFUSED TO INVESTIGATE IF I REALLY RECEIVED THIS MERCHANDISE OR NOT! 
There Is NO Way XXXX I Am Going To Pay For This Fraud And My Attorney Is Now Involved In This. 
American Express Is Dishonest!