Credit card or prepaid card -- Problem with a purchase or transfer -- Complaint #4638064

Complaint Overview

Complaint ID: 4638064

Company: American Express Company

Product: Credit card or prepaid card

Sub-Product: General-purpose prepaid card

Issue: Problem with a purchase or transfer

Sub-Issue: Charged for a purchase or transfer you did not make with the card

State: Louisiana

ZIP Code: 714XX

Date Received: 2021-08-17T12:00:00-05:00

Date Sent to Company: 2021-08-17T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On XXXX XXXX I purchased an American Express Gift Card to rent a vehicle from XXXX XXXX XXXX. On XXXX XXXX upon going to pick up my rental I was informed there was no reservation and that a scam had been going on with several people coming in with gift cards/prepaid cards to purchase rentals. However I preceded to contact American Express to inform them that I had been scammed. Upon the first contact on XX/XX/XXXX about XXXX XXXX I was told by the first customer service representative that I needed to call the merchant and was given theses merchant ID numbers XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX that XXXX had been pending charge and another for {$10.00}. I ask how to contact to find out who used or where the purchase was made she informed me I have to XXXX. Upon doing so I only got a XXXX writing so I proceeded to call back. I was told by the second representative that the account was put on hold that nothing would be done unless I reach the merchant to return the money because they couldnt do anything so to card agreement which I didnt understand if they were both saying my account was on hold why wasnt it that they could not stop/cancel the card completely because its a scam. She stated madam you will have to contact the merchant. I proceeded to do my own research and again no success so I call again American Express and spoke with XXXX who gave me the name of merchant XXXX XXXX transaction {$100.00} XXXX, {$190.00} XXXX and XXXX which I research and its an app they purchase {$10.00}. After doing research and calling the XXXX company at XXXX no answer the whole Sunday but on Monday the XXXX I called it say my caller id could not go through not sure that meant so I later tried XXXX at XXXX I was told on recorded line due to high call volume that but call may not be accepted so I found an email tried contacting them that way was told it could not be sent. Well I waited just sent another asking they had a customer service number and later was responded but I cant speak a person this was after I attempted to call American Express talking to a supervisor who kept apologizing saying sorry Mrs XXXX because of the card agreement we can not refund your money there is nothing we can do you have to contact the merchant I kept explaining to her it was a scam and no merchant is taking my calls I have been blocked from the XXXX and XXXX number which gives an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I have enclosed all documents I have of my contacts and Im unsure if I should continue with XXXX because Im unsure whats real and what not when I have already lost XXXX due to trying rent a car that had the actual XXXX number

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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