Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX American Express XXXX Card Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Reference Account : American Express Gold Card Last 5 Digits : XXXX Disputed Balance : ~ {$7600.00} FTC Identity Theft Report # : XXXX ( attached ) Police Report # : XXXX Police Department in XXXX, CA refused to file a report and referred me to XXXX ( attached ) * * after XXXX advised me to print everything out and go file a report at the station for incident # 2025 XXXX XXXX XXXX * * Overview of Fraudulent Activity : In XXXX and XXXX of 2025, I was the victim of an employment scam in which I was led to believe I had accepted a legitimate job opportunity. I was contacted by an individual posing as a recruiter or employer, and I underwent what appeared to be a standard hiring process. I was informed that my initial duties would include making business purchases on behalf of the company. 

The scammer provided me with account and routing numbers, claiming they were company funds to be used for legitimate purposes. I was instructed to purchase items ( specifically electronics/laptops and other goods ), and once the payment cleared in my account, I was told to ship the products to a designated location.

Believing I was fulfilling work responsibilities, I completed these tasks. However, the payments were later reversed or deemed invalid, and American Express charged me for the purchasesdespite the fact that : - I did not initiate the purchases for personal use- I received no benefit from the transactions- I was deceived under false employment pretenses American Express ' Response : I notified American Express of the fraudulent activity and provided them with a statement explaining what happened. However, American Express has refused to acknowledge the fraud, stating that I am liable because I physically entered the account/routing information to complete the transactions.

Their response fails to consider that I was acting under deception and false pretenses, with no intent to defraud.

Supporting Documents ( Attached ) Request for Relief : I am requesting the following through this CFPB complaint : - That American Express reinvestigate this account as fraud and remove the {$7600.00} balance - That all negative reporting related to this incident be deleted from my credit reports- That American Express be required to provide a written response and explanation of their decision under FCRA and FCBA guidelines Statement of Good Faith : I have acted in good faith and provided accurate documentation to demonstrate that I was manipulated by a scammer using deceptive employment practices. I ask that this matter be reviewed fairly and that I not be held financially or reputationally responsible for the results of a sophisticated scam beyond my control.

Company response to consumer: Closed with explanation