Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
COMPLAINT FOR FRAUD, CONVERSION, AND INTENTIONAL INFLICTION OFEMOTIONAL DISTRESS XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX. JURISDICTION AND VENUE 1. This Courthas jurisdiction under G.L. c. 212 4. The transactions and resulting harm occurred in XXXX  and XXXX, but Plaintiff resides in XXXX XXXX. 2. Venue is proper because the injury was felt in XXXX XXXX. STATEMENT OF FACTS 1. XXXX XXXX is the primary cardholder on an American Express account with a {$30.00} 000 limit. 2. Without XXXX 's authorization that AMEX card will be mailed to XXXX, XXXX XXXX obtained and used an additional card ending XXXX and incurred over {$52.00} 000 in charges for luxury goods including XXXX, XXXX, XXXX, XXXX, and other merchandise. XXXX XXXX put XXXX XXXX as a co-signer in order to build and increase XXXX credit score. 3. XXXX XXXX was in XXXX under XXXX  XXXX  treatment during most of XXXX  and was medically incapacitated. She did not authorize the increase of the limit or even these transactions. 4. When XXXX XXXX learned of the fraud, she immediately demanded repayment and reported the activity to American Express in XX/XX/year>. Following the blocking of the card, XXXX screamed at XXXX XXXX saying this is her account and car, and shecan buy what she wants. XXXX said no, this account belongs to me you had no authorization to make these purchases from my card! 5. XXXX XXXX acknowledged that her bank card had been blocked in XXXX XXXXand begged Plaintiff for money, stating she would repay it. XXXX XXXX sent {$3.00} XXXX on XX/XX/year> from her personal account and on XX/XX/XXXX XXXX XXXX XXXX sent {$4.00} XXXX from her business account ( XXXX XXXX ) by XXXX to XXXX and her colleague XXXX. Only {$1.00} XXXX was ever returned. 6. XXXX 's conduct was intentional, malicious, and designed to enrich herself at XXXX 's expense. 7. As a result, Plaintiff has been forced to repay the American Express relief loan of {$1.00} XXXX per month, has suffered severe emotional and physical distress documented by hospital records, and has lost substantial income and health stability. COUNTS Count I XXXX and XXXX Defendant knowingly made false statements and obtained Plaintiffs credit and money under false pretenses. Plaintiff relied on these representations to her detriment. Count II XXXX ( XXXX  XXXX  ) Defendant wrongfully took Plaintiffs funds andused her credit card without authorization, causing direct financial loss. Count III XXXX  XXXX Defendant retains benefits and property belonging to Plaintiff under circumstances that make it inequitable to do so without repayment. Count IV XXXX XXXX XXXX XXXX XXXX  Defendants extreme and outrageous conduct caused severe emotional and physical distress to Plaintiff. PRAYER FORRELIEF WHEREFORE, XXXX XXXX respectfully demands that this Honorable Court enter judgment in her favor and against Defendant XXXX XXXX as follows : 1. Compensatory damages in the amount of {$41000.00}, representing unauthorized American Express charges made by Defendant. 2. Reimbursement of {$2500.00} paid to XXXX XXXX XXXX  for professional legal assistance directly resulting from Defendants fraud. 3. Emotional distress and physical suffering damages in the amount of {$300000.00}, reflecting severe and continuing anxiety, panic attacks, andhealth deterioration caused by Defendants misconduct. 4. In additional, XXXX XXXX mustpay associated interest on the amount s : {$300000.00} a and {$41000.00}, the acceptable nation rate for the loans is 8 % by banking system. 5. Prejudgment and post judgment interest on all monetary awards at the statutory rate under XXXX  G.L. c. 231 6C, accruing from the date of loss until payment in full. 6. Attorneys fees and court costs as allowed by law ; and 7.Such other and further relief as this Court deems just, proper, and equitable, including punitive damages for willful and malicious conduct.

Company response to consumer: Closed with explanation