Hello Guys, I woke up this morning, and like every single morning, I check my Online Merchant Account with AMEX. Now today I got 4 chargebacks from the same cardholder, totaling $1200. This purchases were made on November 15 and 16. Ok so I called Amex to see what had happen. The lady couldn't help me, she said that I was in a full recourse program and if a customer calls back amex and states the the charges are fraudulent, I will get debited automatically. Bottom line is that the amex lady said that the cardholder sais they made a copy of her amex card and they used at my store.
I have a retail store, and I sell phone cards. I told them that in order for me to release merchandise, a costumer have to come to the store and swipe their card. Even like that, amex keep saying that the charges are fraudulent, and there is nothing I can do about it.
I don't know what to do, I been with amex for a month only and I already don't like them. That is not fair, and I didn't even get the chance to respond and show them the signed receipts. nothing.
Any help please, any advise on what to do?

Thanks
Hector