Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject : Request for Investigation and Refund of Fraudulent Charges Dear Consumer Financial Protection Bureau, I am writing to report several unauthorized transactions on my Blue Bird American Express account, totaling {$1500.00}, which I did not initiate. Despite disputing these charges with Blue Bird, they have denied my dispute without providing a reason for their decision. I firmly believe these charges to be fraudulent, as I have never visited the city where these transactions took place. 

The unauthorized transactions in question are as follows : List of Fraudulent Charges : Store Purchase XXXX  # XXXX XXXX XX/XX/2024 - {$20.00} XXXX XXXX XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$280.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$280.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX  Withdrawal XX/XX/2024 - {$120.00} Store Purchase XXXX XXXX  XXXX XXXX XX/XX/2024 - {$21.00} Fee For XXXX  Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX Withdrawal XX/XX/2024 - {$100.00} Fee For XXXX  Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX  Withdrawal XX/XX/2024 - {$120.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX  Withdrawal XX/XX/2024 - {$260.00} Fee For XXXX  Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX  Withdrawal XX/XX/2024 - {$260.00} Total of Fraudulent Charges : {$1500.00} I did not authorize any of these purchases nor have I engaged in these transactions. As such, I am requesting a thorough investigation into these fraudulent activities and a refund of the unauthorized amounts to my account. 

Please find attached the email correspondence with Blue Bird American Express for your reference, which includes all relevant information regarding the disputed charges. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX Blue Bird AMEX XXXX : XXXX XXXX XXXX XXXX XXXX This is the email I sent to Blue Bird to investigate the charges, and I filled out a DECLARATION OF FRAUD : Subject : Request for Investigation and Refund of Fraudulent Charges Dear Blue Bird American Express Customer Service, I am writing to report several unauthorized transactions on my account, totaling {$1500.00}, which I did not initiate. Upon reviewing my recent statements, I discovered charges that I believe to be fraudulent. 

The transactions in question include XXXX XXXX XXXX # XXXX XXXX XX/XX/2024 - {$20.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX  Withdrawal XX/XX/2024 - {$280.00} Fee For XXXX  Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} ATM Withdrawal XX/XX/2024 - {$280.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX  Withdrawal XX/XX/2024 - {$120.00} Store Purchase XXXX XXXX XXXXXXXX XXXX XX/XX/2024 - {$21.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX  Withdrawal XX/XX/2024 - {$100.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX  Withdrawal XX/XX/2024 - {$120.00} Fee For XXXX  Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX  Withdrawal XX/XX/2024 - {$260.00} Fee For XXXX Withdrawal XXXX XXXX XX/XX/2024 - {$2.00} XXXX  Withdrawal XX/XX/2024 - {$260.00} I did not authorize these purchases nor do I have any record of engaging in these transactions. 

Given the nature of these charges, I kindly request that you conduct a thorough investigation into these fraudulent activities and take appropriate action to refund the unauthorized amounts to my account. I understand the seriousness of such unauthorized transactions and trust that American Express will prioritize the security of my account. 

Please keep me informed throughout the investigation process and provide updates on the status of my refund request. I appreciate your prompt attention to this matter and look forward to a resolution soon. 

Thank you for your assistance. 

Sincerely, XXXX XXXX Blue Bird AMEX XXXX : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation