Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am a victim of an ongoing violent extortion scheme. I was forced to make transactions on my American Express credit card under duress, under threat of physical harm, and without my genuine consent. American Express has denied my fraud claim despite my providing a police report and FTC Identity Theft Report. CRIMINAL BACKGROUND : I have been held at gunpoint twice and threatened with a hitman. The extortion scheme has stolen over {$5.00} XXXX from me. I have filed a police report with the XXXX XXXX Police Department ( Case # : XXXX ) and an FTC Identity Theft Report ( Report # : XXXX ). UNAUTHORIZED TRANSACTIONS ( all made under duress ) : A. Coerced Credit Card Purchases : I was forced to make credit card purchases under duress, including : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional coerced purchases throughout XXXX XXXX XXXX XXXX XXXX ( funded by American Express ) : I was forced to send XXXX XXXX payments under duress to : - XXXX XXXX XXXX ( starting XX/XX/XXXX ) - XXXX XXXX / XXXX XXXX ( starting XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX : I was forced to take cash advances and send funds to XXXX under duress. AMERICAN EXPRESS 'S RESPONSE : American Express denied my fraud claim despite my providing : - A formal police report ( Case # : XXXX ) - An FTC Identity Theft Report ( Report # : XXXX ) - A detailed written dispute letter - Documentation of the extortion scheme including gunpoint threats American Express refuses to reverse these coerced transactions. American Express claims the transactions were " authorized '' because I used my card. However, authorization obtained through force, threats, and intimidation is not valid consent under the law. LEGAL VIOLATIONS : 1. Fair Credit Billing Act ( FCBA ) Violation : Under the FCBA ( 15 U.S.C. 1666 ), I have the right to dispute unauthorized credit card charges in writing. American Express must acknowledge receipt of my dispute within XXXX days and resolve the dispute within XXXX billing cycles ( not to exceed XXXX days ). American Express has failed to properly investigate and reverse the coerced purchases, XXXX XXXX payments, and cash advances. XXXX. Unfair and Deceptive Practices : American Express 's denial of my fraud claim despite clear evidence of criminal extortion constitutes an unfair and deceptive practice in violation of consumer protection laws. XXXX. Violation of Zero Liability Policy : American Express advertises {$0.00} liability for unauthorized transactions. My transactions were made under duress and are therefore unauthorized. American Express has violated its own policy. XXXX. Failure to Provide Temporary Credit : Under the FCBA, while investigating a billing error dispute, the card issuer can not take adverse action against the consumer, including reporting late payments to credit bureaus or attempting to collect the disputed amount. American Express has continued to demand payment. PRIOR RESOLUTION ATTEMPTS : I have attempted to resolve this matter directly with American Express multiple times : - I called American Express Fraud Department ( XXXX ) - I called the number on the back of my card- I submitted written dispute letters- I provided my police report and FTC Identity Theft Report - American Express denied my claim and refused to reverse the coerced transactions RELIEF REQUESTED : XXXX. Full investigation of all coerced transactions on my American Express credit card. XXXX. Reversal of all unauthorized transactions, including : - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - All coerced XXXX XXXX payments to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX coerced cash advances to XXXX- All other coerced purchases XXXX. Temporary credit as required under the FCBA during the investigation period. XXXX. Removal of all associated fees, interest, and finance charges. XXXX. Correction of any negative credit reporting resulting from these fraudulent charges. XXXX. Written confirmation of resolution. I have attached my police report ( Case # : XXXX ) and FTC Identity Theft Report ( Report # : XXXX ) as evidence. I declare under penalty of perjury that the foregoing is true and correct. " " Section XXXX : Desired Resolution Select or write : Desired resolution : " Investigation of my fraud claim, reversal of all coerced transactions ( credit card purchases, XXXX XXXX XXXXayments, cash advances ), temporary credit under the FCBA, removal of all fees and interest, correction of credit reporting, and written confirmation. '' Section XXXX : Attachments Attach the following documents ( if available ) : Document Attached? Police report ( Case # : XXXX ) FTC Identity Theft Report ( Report # : XXXX )

Company response to consumer: Closed with monetary relief