Amex Prepaid Card Complaint

Amex Prepaid card department,

General purpose card Unauthorized transactions/trans. issues Texas

My American Express ( " AmEx '' ) experience has been extremely frustrating. I purchased an AmEx/Bluebird card, e.g. a prepaid debit card backed by AmEx, to send needed funds to my daughter in - and son in -. Each family account ( up to - ) gets its own card and account but they 're tied to the master account. The account was great and worked very well for us. So well, in fact, my sister in - purchased - so we could send funds back and forth. All was fine until my son tried to purchase a money order for $490.00 to pay his rent on - -, -. The vendor, - -, determined they could n't complete the transaction and reversed it. A few days later, my son took the funds out via ATM and purchased


a negative balance of that magnitude. I pulled and reviewed the -/-/- Statement and saw my account still at $31.00, but my son 's account was - $460.00 and showed a NEW debit on my son 's card for $490.00. The new debit had the exact same date and transaction number as the original debit in -/-/-. What is different is the transaction ID/approval code from AmEx. On -/-/-, I spent 2.5 hours on the phone with AmEx trying to find out what was going on and after being transferred 3 times between their fraud and billing departments was told to work it out with the vendor. I called my son who took the statement copies to the vendor and he was told it was a processing error and it would be taken care of. Needless to say, the holidays came and went without the error being taken care of. On - -, -, I called AmEx again to find out why my account was still negative if the vendor agreed to resolve negative balance and found out my son 's account was locked. After almost 3 hours on the phone and being 4 times between their fraud and billing departments, I was told : It was outside the limit of time AmEx could dispute the transaction with the vendor ; just pay the balance due and we can move forward, try to work it out with the vendor or just write it off. - with AmEx placed a call with me to - at - - and tried to explain the negative transaction of $460.00 ( my son had $25.00 in his account when the phantom $490.00 debit hit ) transferred to my account - which is NOT the transaction in question. Ginger asked for and I sent copies of the statements. She reviewed them and contacted her card processing company ( WorldPay ). On -/-/-, I received an email from - with an update from - 's card processor claiming the account was not debited a second time by - and advising me to dispute the transaction with my financial institution. That is where I 'm at now. Please help me, thank you.