Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To, CUSTOMER SERVICE, AMERICAN EXPRESS, Via email to : XXXX XXXX RE : QUESTIONABLE Fund withdrawals by Amex from our BANK account. 
Our Details : Name : XXXX XXXX XXXX. Social Security No : XXXX XXXX Name : XXXX XXXX XXXX. Social Security No : XXXX XXXX Our Amex Cards : ( 1 ) XXXX XXXX XXXX exp. XX/XX/XXXX - XXXX front code - ( 2 ) XXXX XXXX XXXX exp. XX/XX/XXXX - XXXX front code - XXXX ( 3 ) XXXX XXXX XXXX exp. XX/XX/XXXX - XXXX front code - XXXX ( 4 ) XXXX XXXX XXXX exp. XX/XX/XXXX - XXXX front code - XXXX code on back - XXXX code on back - XXXX code on back - XXXX code on back - XXXX Our Bank account statement show ONLY a FEW of the withdrawals by Amex : ( I ) {$250.00} ( II ) {$99.00}. 
( III ) {$150.00} ( IV ) There must have been other amounts withdrawn by Amex from our account. 
( A ) On XX/XX/XXXX we contacted Amex and spoke to a female representative and later discussed this matter with Supervisor XXXX. The matter was NOT RESOLVED. In fact, they were UNABLE to locate any of our current Amex account information. Yet, even without adequate account information about us, Amex continued withdrawals of funds. WHY? With what authorization? We have NO possession of or use of Amex cards since XXXX. 
The above THREE amounts represent ONLY those withdrawals by Amex during my recent search of our Bank account. 
For HOW LONG and HOW MUCH OF OUR FUNDS have been siphoned off from our account by Amex? This is HIGHLY QUESTIONABLE and REQUEST Amex to Investigate this matter THOROUGHLY. 
We claim that this matter as funds FALSELY withdrawn BECAUSE > ( 1 ) For the past Ten years, we are US Citizens, resident in XXXX. 
( 2 ) We have NOT used Amex cards for at least last FIVE years. 
( 3 ) We have NOT REQUESTED or RECEIVED ANY Amex Cards since XXXX. 
( 4 ) Since we have NOT RECEIVED any Amex card, it is obvious that we have not ACTIVATED or have authenticated USE of ANY Amex Card. 
( 5 ) Any funds that were siphoned off have been WITHOUT ANY ACTIVATION or AUTHENTICATION of usage of any Amex Card by us Since Late XXXX. 
( 6 ) Due to this Amex activity of siphoning funds constitutes a FRAUDULENT act. 
( 7 ) There was NO COMMUNICATION from Amex of ANY KIND by mail or email. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX WHAT NEXT? 
( 1 ) We request Amex to carry out due diligence to investigate our usage of the Credit Cards and REFUND IN FULL all the FUNDS that have been falsely collected from our account from that time till todate. 
( 2 ) FROM NOW ONWARDS, Amex must CEASE & DESIST from accessing our Bank Account and CANCEL & DISCONTINUE ANY withdrawals of FUNDS from our BANK account. 
( 3 ) Please CARRY out and conclude this matter to to OUR SATISFACTION before XX/XX/XXXX. 
( 4 ) In the event that we are NOT SATISFIED with Amexs response, reversal and reimbursement of charges already falsely collected from our Bank Account, we shall take this matter up and report to Consumer Financial Protection Bureau ( CFPB ) and/or any other Consumer Protection entities. Alternatively, we MAY seek advice and / or institute legal ACTION against Amex through a US based Legal Counsel, a close relative, an expert and specialist who handles questionable business and financial Practices and acts. 
We look forward to a satisfactory resolution. Thank you. 
XXXX XXXX XXXX and XXXX XXXX  XXXX. 
Amex may contact us by Phone as follows : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX ( All these contact Numbers per XXXX Standard Times XXXX XXXX  to XXXX XXXX  )

Company response to consumer: Closed with explanation