Consumer complaint received 2024-07-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

To whom it may concern, I am reaching out to submit a complaint as well as to get assistance with the remedies that I can take legally against a company. I was referred to the CFPB by XXXX XXXX Responds contact was XXXX XXXX whose email is : XXXX. The company in which I am requesting this against is The American Express Company @ XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX. 
The following are the top XXXX points for my request. 
After contacting the American Express company @ XXXX on XXXX  XXXX, XXXX  for fraudulent activity on my card, where I was on the phone with several employees and supervisors, and which I have a recording of the whole 3 hours, I was informed that they did not have a fraud department and that I could not report the fraudulent activity. 
On XX/XX/year> @ XXXX XXXX XXXX XXXX sent a message to the CEO after several attempts to contact the company to resolve the situation. This message included a demand letter. 
On XX/XX/year>, I received an email from XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. The message I received was an acknowledgement of the demand letter, as well as a request to amend the allotted time and requested 30 days at a standstill to investigate the allegations. I agreed to the amendment. As well as stating that any further communications will need to be done via email with the three parties listed above.

The allegations against The American Express Company are ; 1. Misrepresented facts outlined within the written agreement by American Express.

2. False statement stated while on the phone of there was not a fraud department, along with several other XXXX XXXX XXXX XXXX XXXX XXXX PHONE : XXXX WEBSITE : Website goes here EMAIL : XXXX statements while on the phone that go against the XXXX. 
XXXX. False reporting of harassment by the XXXX XXXX XXXX XXXX XXXX on XXXX which was investigated and found to be false. 
XXXX. Action which are XXXX labeled for ; the fraud which is unresolved, the intentional false representation by the employees, the disregard for myself the consumer, the emotion distress of this fraud hitting as well as taking my fixed income for being disabled, having to shut down a business in which my spouse and I had just started, and registered, having to file a police report with the XXXX XXXX Police Department here in Texas, having to seek assistance in order to help with food, rent, utilities, dog food and which we are still behind on, having to go see my doctor because I was at my breaking point. 
Furthermore, now including the ignoring of the correspondence where I have reached out to the litigation team via email as they requested, the 30- day standstill only to be ignored then asked for the recording and evidence in which I gave them and then further ignored with no resolution or response. 
I am sending this complaint and request for assistance to all allowed remedies to the CFPB and praying to have answer on what the next step shall be. I thank you for your time, effort, and consideration in this matter as well as I look forward to hearing from you soon. 
Sending Blessings, XXXX XXXX XXXX XXXX