Date Received: 2023-11-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Amex collection not authorized
Company Response:
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I called the American Express XXXX XXXX XXXX XXXX in XXXX when I saw for the first time the annual fee charge of USD XXXX, which is high compared to the news and changes in XXXX membership ( skymiles ), and it is not giving me the same benefits as in the past. The agent re-directed my call to another client retention representative who told me he still couldn't change my annual fee, but it would be possible after a year of membership, and I should call in XXXX. On XX/XX/XXXX, I called the American Express XXXX XXXX XXXX XXXX again, and it was precisely the same re-direction of my call to a client retention representative who mentioned that there was an exact date when this year was going to be completed, XX/XX/XXXX and that I should call again then or after that date. I called later on XX/XX/XXXX and spoke in XXXX first with a representative who canceled my card and didn't redirect me to client retention. She didn't mention that by canceling the credit card, I should still pay the annual fee of USD XXXX for only XXXX MONTH of usage. I called the same call center in Spanish that same day, XX/XX/XXXX, to say that if they were not going to eliminate my annual fee for my credit card, there was no point for me to cancel the card and that I would keep it one more year. The representative, XXXX, mentioned that he couldn't reinstate it. Therefore I requested a XXXX. The XXXX, XXXX, mentioned that he couldn't reinstate the credit card either ( he didn't know why ) and would request the reinstatement to another area, which would take XXXX business days. Today, XX/XX/XXXX, I chatted with a representative ( XXXX ) at around XXXX am EST from American Express, and he mentioned he couldn't help me and that I had to call the service center over the phone. I called the service center today, XX/XX/XXXX, again at XXXX am EST and talked with another representative called XXXX, who mentioned utterly the opposite to all the other six representatives I have communicated with before ; he said there was no way to reduce the annual fee, and there was no way to reinstate the credit card since internal rules have changes in XX/XX/XXXX. They were not able to reinstate credit cards anymore. I have asked for an internal investigation of my calls in XXXX, the beginning of XXXX, and all the previous calls. XXXX mentioned there was already an investigation, and there was no fault of AMEX. I requested to talk with a supervisor, and XXXX mentioned he would look for XXXX, but after a long wait, he said there was no one he could contact and that they would call me again in XXXX hours. I have clarified that I do not want any reduced annual fee or anything ; I want to reinstate my AMEX XXXX XXXX credit card, which I have already paid for a year.
Company Response:
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: While traveling to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/2023 a fraudulent charge occurred and was posted to my American Express card last five digits XXXX. We the two cardholders did not initiate, authorize, validate or sign for this charge to said company XXXX in the amount of {$2200.00} transaction date XX/XX/2023. Upon return to the XXXX I became aware of the charge and immediately called American Express to report this crime and Fraud on my Gold American Express Card. The card was immediately canceled and new cards were sent to my home with new card numbers. I followed all instructions from American Express following the initial phone call. Now months later this is still not resolved. American Express has mishandled this XXXX # XXXX from the initial reporting of this fraud. They have opened and closed numerous cases on the same charge to card and as of today have still not confirmed to me that they will not re-bill me for the crime committed while traveling in XXXX on my credit card. After months of dealing with this and hours and hours of stressful frustrating phone calls American Express latest letter dated XXXX XXXX which I have attached they have again removed charge from my billing cycle, BUT stated that this is not a guarantee that they will not in the future re-bill me for the criminal fraudulent charge of {$2200.00} from said company XXXX.
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was gathering financial information in order to prepare for a future home loan and received my XXXX credit report and score. Unfortunately, to my knowledge, I see a list of hard inquiries of who has viewed my consumer information. XXXX of them listed was a credit card account listed in my name without my knowledge or consent from American Express. The American Express address was listed as XXXX XXXX XXXX in XXXX XXXXXXXX XXXX XXXXXXXX with the number at XXXX on XX/XX/23 and XX/XX/23. I have never performed any business activity with American Express, nor have I ever lived nor visited XXXX XXXXXXXX XXXX I have only utilized a XXXX XXXX credit card through XXXX and a XXXX XXXX account through XXXX XXXX XXXX.
Company Response:
State: TX
Zip: 76114
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently received a copy of my XXXX, XXXX, or XXXX credit report, and I noticed a negative account reporting on my consumer report. I have been contacting XXXX, XXXX, or XXXX to remove this account ( see attached ) I have not given any company, credit agency permission to report this account onto my consumer report. THIS IS ILLEGAL! I did not authorize anyone to report this account on my credit report. This is Aggravated identity theft per 18 U.S. Code 1028A! I am asking this closed account to be removed from my consumer report and credit report! This is going against the law per 18 U.S. Code 1028A - Aggravated identity theft.
Company Response:
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. I have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my cards in cash/check. Card number : XXXX
Company Response:
State: IA
Zip: 522XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: INACCURACIES!!! NOT DUPLICATE!
Company Response:
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: To whom it may concern.. My complaint is both with American Express and a merchant called XXXX. Situation : On XX/XX/XXXX I booked a flight on a website called eDreams with XXXX airlines. The flight was scheduled to take off on XX/XX/XXXX from XXXX to XXXX. On XX/XX/XXXX, my XXXX and I showed up at the proper airport to board our flight and the airlines said they had no record of our tickets and the confirmation that XXXX sent us was not in their system. The airlines checked the records with our names/passports and said there is no record of any flight. I reached out to XXXX for a refund stating the issue and XXXX said that it was a valid charge since they sent a confirmation email. When we asked them to give us a record of the ticket, they could not produce it and requested us to ask for a refund from the airline. We've reached out to the airline and they don't have any record of our ticket so they aren't able to provide a refund for a ticket that was never issued. I disputed this charge with American Express 3 times with no resolution. The first denial came when they said XXXX provided a confirmation of the purchase. I re-disputed the charge and American Express agreed that they would cancel the charge if they could find a copy of the ticket. They just responded to deny the dispute with the reasoning that they had found a copy of the ticket. However, the copy of the ticket was for a flight that I purchased directly with the airlines on XX/XX/XXXX. American Express nor XXXX can provide a copy of the ticket and I have proof from the airlines that there is no record of my ticket. Yet, both American Express and XXXX state that this is a vaild charge.
Company Response:
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On or about XXXX of the year 2019, I opened an AMERICAN EXPRESS credit card account. This was a valid account linked to my bank account and all the charges up until XX/XX/2019 were mine and authorized. However, in XXXX of 2019, various of my accounts were stolen/hacked including this American Express card , bank account, and a new unauthorized American Express loan account was opened in my name. I filed an official Criminal Complaint with the Court in the Commonwealth of Virginia about this fraud and theft. I sent American Express a copy of this Criminal Complaint and a " Fraud Affidavit '' in regards to the illegal activity. American Express responded by denying my fraud claim based on the allegation that my bank was linked to this new illegal and unauthorized account and that I allegedly didn't notify my bank of the fraud. Which I find irrelevant and false as I did notify my bank of the fraud. And my bank is irrelevant because I reported the fraud to American Express with a valid " Criminal Complaint '' issued by a Virginia Magistrate and Court.
Company Response:
State: VA
Zip: 228XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: AMERICAN EXPRESS COMPANY Regulation Z, 12 CFR 1026.13 Violations- PLEASE SEE ATTACHED
Company Response:
State: LA
Zip: 70458
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A