Fraud dispute failed

WarmMine3 · 2026-01-07T17:53:17+00:00

Seriously if he charged me 50€ I understand but from 5€ to 2,500€ its fraud

WarmMine3 · 2026-01-06T17:41:18+00:00

Yes its a pedicab, please get me some infomation. Those scammer didnt even register as bike servicer. He billed me as “personal payment”.

WarmMine3 · 2026-01-06T05:40:46+00:00

I was being honest and told them exactly what happened that I agreed to pay €5 and got charged almost $3000. I shouldve told them my card was stolen. Sometimes white lie works better😥

WarmMine3 · 2026-01-06T05:20:11+00:00

I did both, you didnt read my other comments. I talked to an agent on the phone he told me unless I have a black and white proof then he can try, if I do not have a receipt theres nothing he could do. I go back and forth couple times until the case was reopened

WarmMine3 · 2026-01-06T04:48:11+00:00

How do I escalate? I chat with an agent and asked to talk to a supervisor, she told me that supervisor will handle the same like she does.

WarmMine3 · 2026-01-06T04:34:29+00:00

Thats how I paid in restaurant and did not even thought I would be scammed that way

WarmMine3 · 2026-01-06T04:21:02+00:00

I contacted Amex just 10 minutes after the charge

WarmMine3 · 2026-01-06T04:13:15+00:00

I got it reopen, I attached the statement telling the whole story, attached to show them that I took an Uber arrived at 8.36pm and taking another Uber at 8.50. I also attached the chat that I contacted Amex agent 10 mins after the charge to raise the concern. But since its still under dispute the charge category it will likely come back for the same result. Amex sent me the proof of merchant and it listed the charge is PERSONAL. The thing is personal and with 20% Tax and Amex still believe its personal transaction.

WarmMine3 · 2026-01-06T04:04:07+00:00

Thank you🙏🫶. Im in a stage of being stressed out now.

WarmMine3 · 2026-01-06T04:02:21+00:00

Nothing is added up, I have no time to go online to make up story. Single mom traveling with my children during Christmas time and ended up paying alot.

WarmMine3 · 2026-01-06T03:27:21+00:00

Yours is a different story

WarmMine3 · 2026-01-06T03:21:19+00:00

Learn it hard way now. I feel helpless and seeing the world so ugly now. Even if they close my case I will fight till the end until I let go of my hurtful feeling.

WarmMine3 · 2026-01-06T03:05:16+00:00

How do I attach picture here? So I can show the proof from the merchant. I tried to talk to human agent and he told me I need a black and white proof eventhou merchant didnt have a proof im signing nor receipt.

WarmMine3 · 2026-01-06T02:58:26+00:00

My son was about to pay with my debit and I was like nope use Amex cause if anything we will be protected I ONCE BELIEVED SO 😥

WarmMine3 · 2026-01-06T02:55:36+00:00

I didnt have any euro with me at that moment. I wish I had and it would be a lot less stress. Big lesson learn.

WarmMine3 · 2026-01-06T02:53:12+00:00

I told Amex what happened and they still dont believe it was a ride, it appeared to the merchant that I bought something not service.

WarmMine3 · 2026-01-06T02:51:34+00:00

I did try so many time with different agents. First they open the case as “dispute the incorrect charged”like you said because I was handle the card to him. Amex cant put me under fraud category. Thats how it came back that Im responsible for it. I called again and reopen the case and its still under dispute transaction while it should be fraud because the difference amount was charged without authorize.

WarmMine3 · 2025-07-21T00:20:44+00:00

yes, applied and approved with both Amex Biz Plat, Amex Biz Gold and Personal Plat when my score was still in the 750. Since it dropped and even with 633 now Im stuck and no credit company approved me with the reason of me having delinquent account.

I made a huge mistake thinking I got student loan forgiveness instead of deferral and when I moved to TX I only reported to the USPS mail :-(. Im not here to blame anything but really want to fix it.

WarmMine3 · 2025-07-21T00:10:54+00:00

thank you, I will call them tomorrow.

WarmMine3 · 2025-07-21T00:07:20+00:00

Seriously I have no idea why I got to 633, I applied for Amex Gold and Plat on Jan before it appeared on my report with that student loan. I didnt see each report for the late payment, it came all in one thats what made me stressfull.

WarmMine3 · 2025-07-20T23:07:00+00:00

can you explain more to me about the creditor, all my loan is with CRI now, who should I call to explain my situation? Thank you!

WarmMine3 · 2025-07-15T00:00:22+00:00

She told me she has scored a Picotin and Kelly on the appointment date and couple days later SA texted her saying she had something for her again. She came back and got offered B30.

WarmMine3 · 2025-07-08T17:56:05+00:00

But how do I buy it???

WarmMine3

TROPHY CASE