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Unhappy with AMEX?

Join our class action lawsuit against American Express for failure to protect against fraud

We are collecting contact information from affected cardholders

Fighting for victims of inadequate fraud protection.
American Express promised industry-leading fraud protection, but thousands of cardholders have suffered from unauthorized transactions, identity theft, and inadequate security measures. falsely advertising fraud alerts and reports, many victims faced denied claims, slow responses, and refusal to reimburse fraudulent charges.
Our investigation reveals systemic failures in American Express's fraud detection systems, improper claim denials, and violation of federal consumer protection laws. If you've been a victim of fraud that American Express failed to prevent or reimburse, you may be entitled to significant compensation.

Have You Been Affected?

  • • Failed Fraud Protection: Fraudulent transactions that weren't properly reversed, no alerts, no consumer protection
  • • Denied Claims: American Express refused to reimburse legitimate fraud claims
  • • Account Takeover: Hackers accessed your account due to weak security
  • • Data Breach: Your personal information was compromised
  • • Delayed Response: Fraud reports ignored or processed too slowly
  • • Liability Disputes: Wrongfully held responsible for fraudulent charges

Documented American Express Legal Actions

A History of Consumer Protection Violations

These documented legal actions represent enforcement actions and settlements involving American Express, ordered by settlement amount. All information sourced from official government agencies and court records.

Join Current Fraud Lawsuit

American Express Agrees to Pay $108.7M to Settle Allegations of Deceptive Marketing and “Dummy” Account Information

Combined criminal and civil settlement (U.S.) — $230M total (Jan 2025). $138.4M criminal penalties for providing inaccurate tax advice on wire products (Payroll Rewards and Premium Wire), plus $108.7M civil penalty for deceptively marketing credit cards and using "dummy" employer identification numbers.

Justice.gov

CFPB Orders American Express to Pay $85 Million Refund to Consumers Harmed by Illegal Credit Card Practices

Total settlement including restitution and penalties (U.S.) — $112.5M (Oct 2012). $85M in consumer restitution to approximately 250,000 customers and $27.5M in civil penalties. Violations included deceptive debt collection, misleading credit reporting claims, unfair billing for add-on products, and deceptive marketing.

CFPB.gov

CFPB and American Express Reach Resolution to Address Discriminatory Card Terms in Puerto Rico and U.S. Territories

CFPB enforcement action (U.S.) — $96M+ redress (Aug 2017). American Express discriminated against over 200,000 consumers in Puerto Rico, U.S. Virgin Islands, and other territories for over ten years by providing inferior card terms including higher interest rates, stricter credit cutoffs, and less debt forgiveness.

CFPB.gov

Civil Money Penalties Assessed against American Express Bank International and American Express Travel Related Services Company, Inc.

Combined penalties and forfeiture (U.S.) — $65M (Aug 2007). Federal Reserve Board ($20M) and FinCEN ($25M) penalties, plus $55M forfeiture to DOJ under deferred prosecution agreement. American Express Bank International failed to maintain adequate anti-money laundering programs and failed to file suspicious activity reports.

FederalReserve.gov

CFPB Orders American Express to Pay $59.5 Million for Illegal Credit Card Practices

Consumer restitution order (U.S.) — $59.5M (Oct 2013). Restitution to more than 335,000 consumers for illegal credit card practices including deceptive marketing of add-on products. AmEx misled consumers about benefits of payment protection products ("Account Protector"), identity protection, and "Lost Wallet" services.

CFPB.gov

OCC Assesses $15 Million Civil Money Penalty Against American Express National Bank Related to Bank's Governance and Oversight of Third-Party Affiliate

OCC civil monetary penalty (U.S.) — $15M (Jul 2023). Penalty against American Express National Bank for failing to govern and oversee third-party affiliates and violations of Customer Identification Program regulations during efforts to retain small business customers between 2015-2017.

OCC.treas.gov

American Express TCPA Class Action Lawsuit Settlement

Class action settlement (U.S.) — $9.25M (Dec 2016). Two consolidated settlements for violations of the Telephone Consumer Protection Act: $8.25M for 798,000 class members who received automated telemarketing calls, and $1M for 3,200 class members who received automated debt collection calls without consent.

Settlement Details

American Express ordered to pay $8 million penalty for failing to meet its design and distribution obligations

Federal Court penalty (Australia) — A$8M (Jul 2024). Australian Federal Court ordered penalty for breaching design and distribution obligations related to David Jones co-branded credit cards. AmEx failed to review target market determinations when high cancellation rates indicated they were no longer appropriate.

ASIC.gov.au

Settlement Agreement between the U.S. Department of the Treasury’s Office of Foreign Assets Control and American Express National Bank

OFAC settlement (U.S.) — $430,500 (Jul 2022). American Express National Bank settled 214 apparent violations of OFAC's Kingpin sanctions. Over two months, processed $155,189 in transactions for an account whose supplemental cardholder was designated in connection with illegal drug distribution and money laundering.

OFAC.treasury.gov