Amex Bluebird Amex Bluebird thru Walmart Closed my account because I reported fraudalent charges on my card! Salt Lake City Nationwide

I contacted customer service when I noticed more than 8 charges back to back from Microsoft that had cleared my account and left me with $1.72. I informed them I didn't make or authorize any purchases with my Bluebird debit card to Microsoft. I was informed that I would have to wait 1-2 business days for a Declaration of Fraud to be emailed to me. I patiently waited and never received the email, instead I received an email stating my Dispute had been denied stating based on their investigation (?) they determined no error occured and that transactions in question were Authorized. Therefore the transation(s) is not eligible for credit to my account. Then I received an email that MY account had been suspended and Locked stating they noticed activity that was in violation of the Bluebird Member Agreement, seciton: 22d.

I then reached out to Microsoft and reached a great Agent William that resolved my issue and issued credits for all the purchases. He noticed someone was using my son's account to download games. William was able to verifiy this by the serial numbers the games were being downloaded on versus my son's xbox. He also noticed who ever hacked the account, had set up multiple pre-orders under my card info. William cancelled them all and was very helpful. Now I had to call Bluebird back to have them reactivate my account.

I called and a representative named Jaire(?) told me I filed a dispute, but had used Microsoft before and it wasn't fraud but a billing issue. I informed the agent that I made a $1.99 purchase online for a game for son's xbox in the beginning of August and that's it! I DID NOT authorize all these recent charges for almost $200 and he has not had his xbox since Aug.23. The agent kept informing me that I would receive a check once they receive the refund from Microsoft and they were not re-activating my account. They were treating me like the criminal instead of the victim! I told the agent this must be why soooo many merchants don't accept AMEX. When BlueBird locked the account, my Direct Deposit from my employer was rejected, now I have to wait on Paper checks from my employer and Microsoft all b/c I contacted Member services with an issue of unauthorized charges on my card! Huge inconvenience and I will not recommend them to ANYONE AND WILL SPREAD THE WORD ABOUT HOW THEY TREAT THEIR MEMBERS IF THEY REPORT SUSPICIOUS ACTIVITY ON THEIR CARDS