Date Received: 2023-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was open fraudulently and while I was XXXX XXXXXXXX XXXX I sent police report numerous times and they still not deleting this fraudulent account
Company Response:
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had an American Express ( Amex ) card member for 30 years. I received a letter from Amex that it had increased my credit limit and was sending a replacement card for one due to expire XX/XX/22. The replacement card did not arrive 10 days before expiration. I advised Amex representative that the card usually arrives sooner and recommended they cancel the replacement. No replacement card arrived one day before the card was due to expire and I called Amex again. I was told the replacement card was not canceled but my Amex account was canceled. Amex rep called to reinstate my account and was told I was turned down by the credit agency, XXXX, whose ads imply one should use its bank to " boost '' one 's credit score. This company also never sent a letter to me outlining one 's rights. XXXX recommended that Amex make a correction to my record which states I missed 4 months of payments for a replacement card I never received. Iam seeking correction of my credit record and reinstatement of my account. The only significant issue with my record took place when I was XXXX due to a XXXX XXXX and missed XXXX car payments which I promptly paid upon discharge.
Company Response:
State: MD
Zip: 21204
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Amex Prepaid Gift card not able to be used. Called XXXX times and said the the card available balance was there and saw that my transactions was declined multiple times ( provided no reason ). Asked me to continue to " TRY '' and use it other stores that accept American Express. Keep getting declined so called again and said I can submit a refund and it will take XXXX weeks. The card was a gift so the refund goes back to the purchaser and not the recipient of the gift card. Customer service from XXXX is of no help.
Company Response:
State: MA
Zip: 02186
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received an American Express prepaid e-card as a prize from a sweepstakes win on XX/XX/2023 preloaded with {$500.00}. I used the card once ( two separate transactions ) at XXXX on XX/XX/XXXX and I have not been able to use the card anywhere else, including XXXX, since. I have tried purchases at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and even tried to pay a bill with it, all transactions were declined ( even though the preauthorization XXXX shows up in the transactions of the card ).
Company Response:
State: SC
Zip: 29710
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a payment due of {$46.00} on XX/XX/XXXX. I forgot about it because this isn't the card I use for regular charges. I got an email reminder on XX/XX/XXXX and made the payment on that day. They charged me {$32.00} in late fees and interest. When I called to ask them to remove the charge, they refused. I understand a small fee for a slightly late payment, but they are over 70 % of the original charge in fees for being three days late. I think that's obscene.
Company Response:
State: NC
Zip: 27401
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased two American Express gift cards from XXXX. With first purchase I was able to use the card with no issues. After trying to buy groceries my card declined. I tried it again and I got an error. So now there {$80.00} of my money that I dont have access too. American Express told me to try it at various store. There has been no success. Ive tried XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX All telling me theres an issue with my card.
Company Response:
State: TN
Zip: 37660
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: American Express denied access to my Credit from original application. ( Reference # XXXX ). This is Fraud according to The Federal Reserve Act section 16 paragraph 2, 15 USC 1602 ( p ) and 15 USC 1602 ( f )
Company Response:
State: KY
Zip: 423XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: They charged me a annual fee without my knowledge or consent! I had already frozen my account 2 weeks prior to them adding the feed to my account. The reason I had Frozen it was because of their customer service and the unknown charges prior to AMEX even putting the charge on my card. Thank you for your help with this matter!
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with the fair credit reporting act American Express has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I purchased XXXX flight tickets on American Express Travel on XXXX. 2 months later my plans changed, I went on the website and it said the tickets are returnable for a full credit with XXXX XXXX. I returned the ticket but then couldn't buy a new ones unless I called American Express customer service. Upon speaking with them, they kept referencing my ticket policy which I was not aware of nor was I provided with at any time. I couldn't use my credit to buy tickets from XXXX as they insisted it's American Express who holds my credit. American Express Travel wouldn't let me buy tickets from XXXX because the flights I chose were operated by other carriers yet they were listed on XXXX as flights with the company by XXXX After XXXX hours on the phone I was informed that if I don't redeem my credit by midnight I would lose it!!! That was also told to me by " coincidence '' as the customer service agent was referencing the policies which I was not provided at any time when I purchased the tickets nor when I returned them through the website nor ever. Also the alternative tickets showed online for a price but I had to buy them through Amex at an even higher rate because they'd do a buy up. When I asked what that meant I wasn't given information. I was forced to pay an excessive amount so as to not lose my credit and they ruined my travel plans with their opaque malicious undisclosed policies! nowhere on my itinerary nor when I cancelled did it say I have to pay a buy up fee, or that the refund credit would only be available on select flights. it simply said this ticket is returnable for a FULL CREDIT WITH XXXX! This was not the case. I demand a refund of my points stolen from me by American Express through a malicious treatment consisting of lack of disclosure of policies. Even when I requested to be provided with the policies referenced, it was denied. SHAME on XXXX with their intentional predatory practices of withholding information and stealing over XXXX points in this transaction! Also for eating up XXXX hours of my Saturday!!!!!!!!!! XXXX hours on the phone! Despicable
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A