Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Refused to take care of Billing issues service not given and services I did not receive.The quality of the merchandise or service that I received was not as described by the merchant or as agreed to Therefore this procedure was completely cancelled based on an invalid contract violation of due process by altering the contract making the transaction invalid and void as a matter of American Law by the United State Supreme Court. 
Name : XXXX XXXX Card Number : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX New York XXXX Email : XXXX Merchant Name : XXXX XXXX XXXX XXXX XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX Disputed Amount : {$60.00} ______________________________________________________ Transaction Details : Date XX/XX/XXXX Amount {$30.00} From/To XXXX 'S OF XXXX TX XXXX - XXXX TX ( XXXX ) XXXX _______________________________________________________ Store Purchase XXXX XXXX XXXX XXXX, XXXX, CA Shopping Hide - {$27.00} ______________________________________________________ XX/XX/XXXX Store Purchase XXXX XXXX XXXX XXXX Shopping - {$16.00} XX/XX/XXXX Store Purchase XXXX XXXX XXXX XX/XX/XXXX Store Purchase XXXX XXXX XXXX XXXX Transportation - {$3.00} _______________________________________________________ Store Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , GA Food Edit - {$62.00} Store Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX , GA XXXX  XXXX XXXX XXXX , XXXX , GA XXXX Phone : ( XXXX ) XXXX ______________________________________________________ Store Purchase XXXX XXXX XXXX XXXX ADDRESS NOT AVAILABLE, XXXX , GA Uncategorized Edit - {$49.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Georgia XXXX XXXX XXXX _________________________________________________________ Store Purchase XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ADDRESS NOT AVAILABLE, XXXX, WI XXXX Edit XXXX {$120.00} _________________________________________________________ XX/XX/XXXX Store Purchase XXXX XXXX XXXX - {$11.00} THERE MUST BE A FULL REFUND ON THE ACCOUNT! 
The Fair Credit Billing Act was passed in XXXX as an amendment to the Truth in Lending Act. True to its name, the billing act 's primary goal is to establish consumers ' rights when goofs occur on the bill unauthorized charges, fraudulent charges, math errors, billing addressing mistakes and the like. The Federal Trade Commission website lays out those rights in detail. For this matter, nobody signs any contract with the Attachment of the false Charges. The Federal Trade Commission ( FTC ) is the nations consumer protection agency. The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace.

In addition, the Fair Credit Billing Act says that youll never be liable for unauthorized charges made while your card was in your possession. In other words, if the unauthorized charges were made with your credit card account information rather than your credit card, you wont be held liable if you still have physical possession of your credit card. See Per the Federal Reserve Board 's Regulation E, Electronic Fund Transfer Act. 
Sue the company or take them to arbitration. Federal law permits you to sue the credit card company if it does not follow the dispute procedures discussed above or takes some action forbidden by law ( such as reporting a disputed amount as delinquent to a credit bureau ). However, your right to sue may be limited by a mandatory arbitration provision. Most credit card companies have slipped these provisions into their contracts ( probably one of those bill stuffers with tiny print that few consumers read ) that prevent you from suing a credit card company in court. 
I make this affidavit to establish the fraudulent use of my card. I did not give, sell, or trade my credit/debit/ATM card, nor did I give anyone permission to use my card. I have no knowledge that my spouse or minor children made transactions on or after the date of the first fraudulent transaction. I did not receive any benefit from the unauthorized use of my card. 
I had always associated the name American Express with quality ; but, they have lost any resemblance to quality or trust in the workplace. I DID NOT make or authorize this charge. See Attachment. 
Take Notice of Reinvestigation of this unlawfully matter with intent to file small claims in this matter. 
comparing signatures, requesting documentation to assist in validating the claim, requesting a signed written statement from the cardholder or authorized user, and requesting information about the cardholder 's knowledge of the person who allegedly used the card or of that person 's authority to do so. 
Electronic Fund Transfer Act The Electronic Fund Transfer Act is XXXX federal legislation that establishes the liabilities and rights of consumers whose funds are electronically transferred. Consumer protections include a mandate that all transaction fees for ATMs be displayed prominently on the machine and a prohibition on fees not properly disclosed. Consumer liability for unauthorized transfers due to card or PIN number theft or card loss is capped at {$50.00} if the customer notifies his bank within two business days. One thing that isn't clear to me is how someone got access to the card if no one is using it and it wasn't held by an employee. In your situation, I'd want to get to the bottom of this, so it doesn't happen again. The Electronic Fund Transfer Act allows banks and other financial institutions to place their own, voluntary caps on liability for unauthorized credit card charges and use of ATM and debit cards.

Company response to consumer: Closed with monetary relief