Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #7353690
Complaint Overview
Complaint ID: 7353690
Company: American Express Company
Product: Credit card or prepaid 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: Maryland
ZIP Code: 21218
Date Received: 2023-08-04T12:00:00-05:00
Date Sent to Company: 2023-08-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On the evening of XX/XX/, I was contacted by someone claiming to be from the American Express fraud department. The number on the caller ID matched the American Express phone number XXXX, which is why I thought the call was legitimate. The man claimed they had detected suspicious activity on my card and asked if I'd made any large purchases in XXXX XXXX. I was immediately very concerned. He had my card number and read to me the balances I had paid on the last three statements of my American Express Credit Card Account, which matched the information I had in front of me- another reason why I thought he was calling from the fraud department. He said his name was XXXX XXXX. He also provided his phone number should the line get disconnected. The number he gave was XXXX He then proceeded to suggest I implement additional fraud alerts. He asked for my mother 's maiden name and social security to confirm my information, which I gave. He asked me to press *-something to activate a fraud alert on my phone. He also said that he was setting up alerts on my email. Only when I received my card statement this month, I realized that I had been scammed. The fraudster made three separate charges at the XXXX XXXX XXXX XXXXXXXX XXXX, in XXXX XXXX, totaling {$29000.00}. ( I live in Maryland and have not traveled to XXXX in years. ) I contacted my credit card company, American Express, right away. Initially, they credited me for the unauthorized transactions and said they would immediately send me a new card, which they did. On XX/XX/, I received an update from American Express stating that I am responsible for giving my card information to the fraudster, which I did not, and responsible for the balance. The scammer ( s ) already had my card number. I noted that there was no verification from the card company authorizing the transactions. Apparently, the fraudster had verified it through my email ( I'm in the process of setting up a new email account ). I requested that American Express begin an investigation and file a chargeback as I did not receive the items they claimed I purchased. They said they would investigate further and recommended I contact the FTC and police. Today, XX/XX/XXXX American Express closed the investigation and stated I must pay the total amount of {$29000.00}. I am writing to state that someone from American Express with my information was able to illegally make purchases in another country using my credit card information. I am in the process of filing a police report.
Frequently Asked Questions
What is Complaint #7353690 about?
Complaint #7353690 was filed against American Express Company regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2023-08-04T12:00:00-05:00.
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 or prepaid 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.