Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
( American Express Delta from XXXX and XXXX a {$15.00} charge ) You are requiring me to pay you for a charge : that has been repeated on the same day of-the-month in XXXX ; and for a business that I do not know about. Dismiss my XXXX and XXXX disputes for {$15.00}. I will not pay you : American Express. And I will close my card. And I will find every location to report you as stealing your cardholders 's money. 

I wrote a letter to XXXX that said : If someone bills me via you American Express you require me to pay you the charge that I don't know anything about. It's happened twice. I am repeating what I said to you : amex website quote on being unable to re-submit my dispute : " Action Needed We need additional details to help you set up this dispute. Please chat with us by selecting the Chat button at the bottom right corner. Enter XXXX in the chat window for direct connection to a Customer Care Professional. '' Chat on XXXX XX/XX/year> : you don't even let me reopen the XXXX dispute. 
Hi XXXX : ) As in your website does not let me, it says : " Action Needed We need additional details to help you set up this dispute. Please chat with us by selecting the Chat button at the bottom right corner. Enter XXXX in the chat window for direct connection to a Customer Care Professional. '' I wrote this to you : You are enforcing that someone who I have never had any business with can bill me monthly. Well, I won't pay you : American Express. Dismiss my dispute of {$15.00} from this month and from XXXX. If you do not, so you dismiss my dispute, I will close the card, and report you for stealing. 
Then this : after you didn't take the first dispute Please provide the last XXXX digits of the card you're referring to. 
XXXX Thank you. 
This was my rewriting : There's {$15.00}. on the same day each month. charged to my card by a business that I don't recognize. You dismissed my XXXX dispute. Now they billed {$15.00} again. 
: ( sorry. I wrote that to you in this chat. 
I appreciate the details from you. 
I just reread what I submitted on my second attempt : this part didn't make any sense : If you do not, so you dismiss my dispute, I will it should read : so * * if * * you dismiss my dispute I am working on it for you. 
This has been 45 minutes already that I've been telling you -- American Express -- that : I DON'T RECOGNIZE THE CHARGE. and it's a whole dollar amount : {$15.00}. I don't have any more documentation : I don't know who they are or why they bill me {$15.00} a month. 
Please answer a few questions. 
Have you ever done business with this merchant in the past using this card? 
I'm going to leave. As I wrote : if you dismiss my disputes, I'm not going to pay you, I'm going to close my card, and report you for stealing from your cardholders. 
By any chance, is it possible that someone known might have used your card for this purchase? 
I have never heard of this merchant. I think they own hotels. 
It is not possible that anyone else could have used my card : I have had the card with me. 
So I see you -- American Express -- * * stealing * * {$30.00} from me If you suspect it to be a fraud charge, I can connect you to

the Fraud Protection team. Shall I? It's been an hour now. No. I was going to leave this chat with you just after 45
minutes of me trying to say to American Express.

So, no. I'm not going to wait some more.

It won't take much time.

No. You can tell them. I'll screenshot what we've said to send in to the credit reporting agencies. 
I understand your time is precious. 
You can chat back with us anytime to get it investigated. We will connect you to the Fraud Protection team. 
Please feel free to chat back with us whenever you have time. 
XXXX XXXX  ................. 

On another AMEX card, the Delta XXXX  card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
that should have said : and instead of you converting * from * your time zone, to XXXX or ( XXXX ) XXXX mean time. What time on your clock was did I say : No No No At what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
XXXX XXXX  i understand your concern regarding the mentioned {$15.00} charges. However, please note that American Express is not charging your card. This is a merchant charge. I see that one charge is disputed now and i can dispute the other one too. Alternatively, I can transfer you to the fraud team if you wish to report these charges as fraud. Please let me know how can I assist you further? 
XXXX XXXX  YES FIX THIS NOW At what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
XXXX XXXX  FIX IT : AS IN TRANSFER ME TO THE " EXPERTS '' WHO CAN REALLY FIX IT, EVEN THOUGH i WAS TOLD BY THE LAST PERSON THAT YOU WERE THE EXPERT. 
At what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
XXXX XXXX  At what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
XXXX XXXX  I am afraid it can not be fixed until you let me know how would you like to proceed. You wish to dispute the 2nd charge or report these charges as fraud? 
This is fraud! I just said that to Amex. But maybe it was to the person before you? Should I look through the chat to find out? 
IT DOESN'T MATTER : THIS IS FRAUD XXXX XXXX  THIS IS FRAUD THIS IS FRAUD Sure, I am transferring you to the team which handles fraud claims. Please allow me a moment. 
A Customer Care Professional will be with you shortly. 
An agent has now joined Hello, youre chatting with XXXX from the Fraud Protection Team. Am I chatting with XXXX XXXX? 
At what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
XXXX XXXX  THIS IS XXXX XXXX Please be assured, I will quickly access the account to help you further right now. 

At what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
SHOULD I HAVE WRITTEN A QUESTION MARK INSTEAD OF A COLON? 
Do not worry let me check that for you. 
Thank you for confirming! 
I see that you are concerned about the charge XXXX XXXX XXXX {$15.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX right? 
At what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say : On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
XXXX XXXX  I got your point XXXX! 
THE CHARGE THE PREVIOUS MONTH ALSO!!!! 
XXXX XXXX XXXX {$15.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX This is ridiculous and disgusting Please be rest assured, I will quickly report the charge ( s ) in question as fraud and replace the affected card for you. 
Sounds good to you? 
I'm not going to tell you what I have told the last three people from Amex that I've talked to At what time did I say : On another AMEX card, the Delta Airlines card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any acces

s to my AMEX Delta card. At what time did I say : On another AMEX card, the Delta
Airlines card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
Do not worry XXXX, I am here to help you in this. 
Let me quickly report the charge for you and replace the card now. 
I'M JUST PASTING THAT. BUT I WILL CHAGE IT TO BE A QUESTION MARK NOT A COLON At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
XXXX XXXX  At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
XXXX XXXX  Have you released your card details with them to make the charge? 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
XXXX XXXX  You'll need to answer my question before I answer any question from you At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX XXXX card. 

I can understand your curiosity. Fraud can happen in many ways. At this time it is difficult to speculate, how this may have happened? We will be reviewing this case & share details if we come across anything which may require additional action. 
On our website, we provide you with many more tips on how to help prevent fraudulent activity. This along with understanding the different types of fraud will help you become more alert in protecting yourself. " " www.americanexpress.com/us/security-center At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
XXXX XXXX  Someone might have the card information and use it to make the charge however I am here to report this for you and replace the card now. Shall I proceed with case set up and card replacement? 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
XXXX XXXX  XXXX I would request you to please read my text also, so that I can help you to get this resolved. 
WHAT DID I TELL YOU, NOT THE THREE PEOPLE BEFORE YOU, THAT i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION? 
XXXX XXXX  i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION XXXX XXXX  I surely understood your point here however I have already confirmed about the same to you. 
i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION i WILL NOT ANSER ANY QUESTION FROM YOU UNTIL YOU ANSWER MY QUESTION I completely understand your concern here. 
YOU WILL STAY IN THIS CHAT. i AM GOING TO USE OTHER TABS TO DO SOMETHING, WHICH YOU WILL NOT TELL ME I HAVE SPENT TODAY DOING AFTER THE ONE HOUR YESTERDAY. 
Sure, I am here to help you in this. 
Thanks for your patience... 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
XXXX XXXX  I see that XXXX helps you save on hotels, get cash advances, and make extra money! Upgrade to XXXX  and put even more money in your pocket! 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
There is a charge for {$100.00} with XXXX XXXX XXXX XXXX XXXX on XXXX. 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
May I know if you have made this above charge? 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card. 
XXXX XXXX  I am afraid XXXX, I will not be able to help unless you confirm the charge for {$100.00} with XXXX XXXX XXXX XXXX XXXX on XXXX. 
This {$15.00} is connected to {$100.00}. 
At what time did I say? 
On another AMEX card, the Delta XXXX card, I was charged {$15.00} for a business that I think is a hotel chain that I have never in any way used, and no one else has had any access to my AMEX Delta card.

Company response to consumer: Closed with monetary relief