Amex Prepaid Card Complaint

Amex Prepaid card department,

Gift or merchant card California

I was sent an American Express rewards credit card with a $50.00 credit balance issued as a rebate after the purchase I made from an online retailer. The initial card was lost in the mail ( I believe issued around -/-/- ), and another card was re-issued to me in - 2015 after I filed a claim stating I never received the first card. A $2.00 monthly maintenance charge was assessed in - and again in -. After speaking with customer service, they informed me that the back of their cards states 'Subject to applicable law, a $2.00 monthly fee will be assessed against the card balance starting 5 months after card issuance. Funds do not expire. " Based upon the original card issuance in -, and regardless of the fact that I never received it, they said they begin assessing fees beginning at the 5 month point and they can not reverse the fees. They also said that they would not be willing to issue another card for the amount of the fees reduced. I told them that this is a violation of The Credit Card Act -/-/-, as Gift cards are prohibited from charging fees during the first 12 months from the time of purchase, and that I was going to file a complaint with the CFPB. The supervisor I spoke to said he would notate the account.