Credit card -- Problem with a purchase shown on your statement -- Complaint #14090683
Complaint Overview
Complaint ID: 14090683
Company: American Express Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card
State: Massachusetts
ZIP Code: 01604
Date Received: 2025-06-15T12:00:00-05:00
Date Sent to Company: 2025-06-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am submitting a formal complaint under the Fair Credit Billing Act ( FCBA ) against American Express National Bank ( Amex ). On XX/XX/2025, XXXX unauthorized transactions {$3500.00} and $ XXXX to my Amex account from XXXX XXXX XXXX I did not make these purchases, have never given my card information to anyone, and do not hold any type of vendor or commercial account with XXXX XXXX. Despite my explicit statement that the charges are fraudulent, Amex denied my dispute and claimed I must have provided my card details to the merchant, yet offered no evidence to support that conclusion. Amexs decision leaves me responsible for the full {$7100.00}. I respectfully request that the Bureau require Amex to credit both transactions in full, remove any related fees or interest, and comply with its obligations under the FCBA. Please advise if further information is required.
Frequently Asked Questions
What is Complaint #14090683 about?
Complaint #14090683 was filed against American Express Company regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2025-06-15T12:00:00-05:00.
How did American Express Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against American Express Company?
Yes, visit the American Express Company company profile at readthecomplaint.com/company/american-express-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.