EMG has defrauded me with $30K promising to advertise my online travel store. EMG disappeared after cashing the 2 convenience checks ($20K from Chase and $10K from American Express). I reported a fraud case to AmEx Fraud and Chase. Also, the case was investigated by Chicago Police Department where EMG was based and to Scotts Valley Police Department where I reside. Two Detectives investigated the case individually; Detective Gauthier. of Scotts Valley PD and Detective Tobin of Chicago PD.

After thorough investigations, both detectives came to the same conclusion, FRAUD case, and EMG was not a legitimate company. Their reports were forwarded to Phoenix Police Department as the convict resides in Phoenix, Arizona and the money was deposited in a Bank-of-America account in Phoenix.

Detective Gauthier has contacted Chase and American Express credit card companies reporting his findings. Chase honored his findings and reversed the $20, 000 charge and all associated fees. On the other hand, AmEx Fraud Operations claimed they did not receive any phone call or findings report from Detective Gauthier. Therefore, Detective Gauthier called Law Enforcement line and faxed his findings report again. AmEx Fraud Operations claimed for the second time they received neither call nor fax from Det. Gauthier. American Express insists I released my account number to a Service Establishment and permitted them to charge my account. I explained repeatedly that EMG is not a legitimate service establishment and I received NO SERVICE quoting Detective Gauthiers findings. They replied his findings are irrelevant to the case. AmEx Staff was rather uncooperative, incompetent and customer-service insensitive.

I am taking my case to Attorney General in California to see what could be done to preserve my excellent credit while defaulting.

WILLIAM M. HARLEY
3016 HOPKINS COURT UNIT C
FORT MEADE MD 20755
Phone number: 443-889-4832
Fax number: 301-490-5367

I am requesting an appointment/complaint form in regards of American Express Processor CardPayment Solutions using Nigerians to steal from Americans using American Express products on a life insurance scam and I had the correct numbers on the checks when I called them in to the American Express fraud Department. I have it on a conversation recording at the local courthouse in Annapolis Md. that I did called and confirmed the numbers as required on American Express policy. I was charged with 5 counts of fraud and all charge was immediately drop after State Attorney Warren Davis (410-222-1740) listen to my conversation with American Express Fraud Department. The American Express Fraud Department clearly told me all check was good. I notified American Express Fraud Department after I find out it was fraud and provided the all the information and they clearly tried to cover it up by replying back with different numbers and providing personal name (two) on they American Express cover letter that are not even employed by their company per American Express H/R. I inform the Maryland Attorney General and they forward it to the FBI over 4 months ago. When I spoke to the FBI on the status, they clearly stated that $5000.00 was not enough money for them to go after overseas. I clearly have the person handwriting of this person who sent this fraud material to me from CardPayment Solutions FEDEX account. This fraud material was sent 100 miles away from the CardPayment address as Chris Curry (CardPayment employee) would not give up there location. I have this in writing from FEDEX. I am a retired military (20 years) who have use American Express all over the world and I feel this is a disgrace of this company that is a international company who does not stand by their word and somebody need to step up and stop this now. Several website went up doing time frame when I got scammed requesting for information of this fraud activity and I clearly have all of them and the system is clearly not set up to stop them. I have informed every agency that is required and nothing has been done about it.

I am humbly requesting that you investigate this issue on my behalf. I would gladly send you all the evidence if you request it. If you like you can contact me at anytime at number listed above. Thank you very much for your time and cooperation pertaining to this matter and please have a wonderful day.

Sincerely,
William M. Harley.

We called American Express about a transaction with Royal Holiday (Travel Experience), a Mexican timeshare company. We canceled our contract with Royal Holiday within the 5 day time period allowed. We heard nothing from Royal Holiday, except too bad we have your money. We then contacted the Mexican Government which required Royal Holiday sign an agreement agreeing to refund our money and cancel the contract. Royal Holiday sent us one of the four payments required. We requested American Express to credit our card for the remaining money due.

Dealing with American Express has not been much better. Our initial contact with American Express was great, but then the case is then sent to their disputes department. We were promised a call from the disputes department within 48 hours. We have called American Express multiple times and each time they make the same promise ,we will call you back in 48 hours. It has been 8 months now and we have yet to get a call from the American Express disputes department.

We have sent them numerous letters outlining all the points of our complaint. They have not addressed any of the issues and send us back a form letter saying they have spoken with the company and can do nothing.

I have asked them why they deal with a company like Royal Holiday that has thousands of complaints on line and F rating with the BBB. I have yet to hear a response.

It would seem to me that American Express is a willing partner in fraud with their partner, Royal Holiday. It seems if a company is large enough, American Express is willing to look the other way on fraud.

American Express has a copy of the agreement between the Mexican Government's consumer protection unit, Profeco and Royal Holiday acknowledging that Royal Holiday has agreed to cancel the contract, yet they still have failed to respond.

If you believe American Express's propoganda, that you are protected with American Express, think again. When it comes to travel protection leave American Express at home.

I was late one month on my American Express, and the next month I received a phone call from their law department demanding the full amount. The lady on the phone was so rude, and said if I didn't pay the full amount at that moment I would be taken to court. I hung up and tried contacting customer service, and they said they could not do anything about my account. The same lady from the law department called me 10 times in a row, and left harrasing messages. In one message she stated that if I didn't call back to settle this matter I would be sorry. I had to pay the full amount for 30 days past due, and no apology was given to me for their representatives behavior. After I paid the full amount I was still receiving statements for finance charges and late fees. According to them it was from previous month fees. This was very unprofessional of them, and was very shocked at the way American Express treats their customers.

American Express is trying to collect money we owe. They have called and left a message saying they were the hospital we use for emergency services. We called the 800 number they left on our message machine and the person who answered asked what number we were calling from. (borrowed phone) This did not sound right so we called the regular hospital number and they had NO KNOWLEDGE of the 800 number we were given as theirs.

What can be done when AmEx lies like this in trying to collect a debt? Call the cops and report this as possible 'identity theft' scam? Is there a federal agency that will look into it? Credit card companies are not covered by the Federal Fair Debt Collection act but it would seem to me that misrepresentation like this is fraud and should be treated as such by the cops. Should we contact them and file some kind or report?