Credit Card Debt Dispute

Summary

Marc from Nebraska is being sued for a credit card debt he believes was charged without his knowledge by American Express. He has not taken any steps to dispute these charges with the credit card company. He also mentioned that he paid Citibank with his American Express card and believes that Citibank continued to use it without his knowledge. He has not reported the unauthorized use to either Citibank or American Express.

Full Conversation

Nebraska
What is the name of the credit card company and when did you notice the unauthorized charges?
I believe it was American Express in was in *
What steps have you taken so far to dispute these charges with American Express?
None
What is the amount of the debt you're being sued for? In Nebraska, the statute of limitations for credit card debt is 4 years.
I think I paid Citibank with my American Exspress card. It was a Best Buy card from Citibank and they kept using it without my knowledge so the Statute of Limitations didn’t apply
Did you report the unauthorized use of your card to Citibank and American Express?
No I just found out about it
What steps have you taken since discovering the unauthorized use of your card?
None I’m unable to check the status because Amex shut my account and I can’t see my records
Have you contacted American Express to discuss the unauthorized charges and the closure of your account?
No
Have you considered filing a dispute with both Citibank and American Express regarding the unauthorized charges?
No
Why haven't you considered filing a dispute with Citibank and American Express regarding the unauthorized charges?