My tax refund of $3214 was sent to my bluebird (American express) account on the 28th of august 2017. On Dec 12, 2017 I went online to check my account as it had been a while since I had looked at it. Upon viewing my account I saw that I had a balance of 0.37. Someone had fraudulently accessed my account and drained it to nothing. I looked in my wallet and my card was missing. I'm unsure when or where it was stolen from me. The charhes occurred a couple weeks before I called in to file the unauthorized charges. I disn't realize that it was even missing. It is quite previlant that it was misconduct being the money had been sithing in there for months and all of a sudden all of the money is gone in 2 days time. So o the 13th of December I filed the dispute for $3214 in unauthorized charges. I am then sent a declaration of fraud form that must be turned in before the a 10 day period, which I do. As the law states if more to me is needed for the investigation that exceeds the 10 day period then a provisional credit will be given to the cusomer. The 26th of December was the 10th day. I called in and they said they have not heard back from the fraud department and they could only send an email as they don't have telephones. I said to them It is a government mandated law that I recieve prprovisional credit as the 10 days is up . They said the can't do anything but send an email and the would receive a response within 24-48 hours. I had no choice but to say ok and comply. 2 days later still no update so in call back. They tell me they have still heard no word from the fraud department. I ask for a supervisor, I wait 1 hour and they finally come on the.line. I ask them it's been 48 hours and I've been very patient. How is this ok that American express does not follow the law that is set fourth. She doesn't say a word. Just keeps repeating about sending another email. Which I reply we tried the email already it didn't work. I repeat again, how is this ok that you guys do not follow the law. I should have been issued provisional credit 3 days ago. They tell me yes you did get the.form turned in in time before the 10 day period and you should have got the provisional credit. So I'm just so baffled at this point. I try to ask her what the next step wpuld be and she hangs up on me. I call back and ask for a supervisor again and they tell me . All supervisors are busy assisting customers we can have them call you back. What is a good callback number. I give them my number. I never get a call back. The next day Dec 30. Which is toda in call yet again, I get the same exact responses, all we can do is email the fraud department again. I'm so frustrated at this point I don't know what to do. How can they get away with breaking U.S LAW like this.