This isn't a credit card transcation, it was an ACH which almost every bank already confirms at send time (usually OTP SMS). In anycase, they're user not vendor

This isn't a credit card transcation, it was an ACH which almost every bank already confirms at send time (usually OTP SMS). In anycase, they're user not vendor initiated. Does AmEx call you if you buy a Ps4 or TV at Best Buy after only every buying a few $30-40 games? If so, you're in their high fraud risk group.