Date Received: 2023-10-27
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: In a claim under buyer protection for loss they without explanation denied via letter a portion of the claim for {$75.00} for engraving claiming it is excluded in the policy. However, this is a one-piece manufactured item and is not separately assembled or otherwise put together for an outside source. They are totally wrong in denying the {$75.00} portion of this claim. First rep call went dead and no one called me back. Second rep was clueless and transferred me to another rep. Third rep - I requested exact language for denial and she quoted a section # but couldn't answer my questions so I asked for specific denial in writing with specific section numbers where they were claiming the exclusion.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I just found out with BLUEBIRD there is an added card number ending in XXXX in which I do not have that card. Please remove that card from my Bluebird Account. I only have one card open with my account at Bluebird ending in XXXX. Thank you for your assistance in these matters.
Company Response:
State: MN
Zip: 55025
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: -- -- -- NOTICE TO AGENT IS NOTICE TO PRINCIPLA-NOTICE TO PRINCIPAL IS NOTICE TO AGENT. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Your behavior in this matter in marking these complaints as DUPLICATE to have the CFPB close them automatically is very DECEPTIVE, FRIVILOUS and DONE IN BAD FAITH -- -- -AGAIN this is not a DUPLICAT COMPLAINT I repeat -- this is not a DUPLICATE COMPLAINT. Your responses and behavior in this matter are being recorded and kept as exhibits. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- Dear AMERICAN EXPRESS XXXX XXXX XXXX - Asset-Backed Securities -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - AMERICAN EXPRESS has committed Securities Fraud under the Security Act of 1934. I have exercised my GRANTED RIGHT OF CREDIT as defined under 15 USC 1602 with AMERICAN EXPRESS for the purpose of an extension of my own credit I being the Original Creditor and Credit Card Holder as CONGRESS defined under 15 USC 1691a. AMERICAN EXPRESS has acquired my CREDIT CARD defined under 15 USC 1602 for the purpose of to extending to me my own credit and nothing more. AMERICAN EXPRESS has obtained real lawful money in commerce via a Finance Charge and Credit Application ( ASSET/SECURITY ) and yet has discriminated against me by denying me a right to credit within the banking system. AMERICAN EXPRESS continues to obtain my Original Credit Application ( ASSET/SECURITY ) and CREDIT CARD, but continues to discriminate me and voluntary furnish false statements about me to my reputation harming my character and my federal right to extend my credit within the banking system which I have been discouraged and suffered a loss of confidence in due to AMERICAN EXPRESS XXXX Multiple attempts have been made to settle the matter in Good Faith before escalation and AMERICAN EXPRESS has continued to violate me and ignore all attempts claiming they have the lawful authority to deny a federal right and shut down all my accounts. AMERICAN EXPRESS was presented with a Affidavit Of Truth and a Pre - Arbitration Settlement Request and was given until XX/XX/XXXX to respond accordingly. Notice it is fact AMERICAN EXPRESS has ignored its Arbitration Laws, has ignored and failed to properly respond to the Affidavit and continues to disregard the severe issue at hand. Hence AMERICAN EXPRESS has committed Securities Fraud and refuses to perform accordingly under its fiduciary and Trust duties a IRS Form 211 and 3949a will be filed against AMERICAN EXPRESS. Notice it is fact AMERICAN EXPRESS is DEMANDED under TURHT IN LENDING to provide SPECIFIC DISCLOSURES to, me the consumer at application such as MY RIGHT TO RECISSION under 15 USC 1635 with 3 days after application. Notice it is fact AMERICA EXPRESS has failed to provide me this right there for under TRUTH IN XXXX the dead line for recission is now 3 years. I HERE BY EXERCISE MY RIGHT TO RECISSION AND DEMAND AMERICAN EXPRESS TO RETURN TO ME MY " ORIGINAL '' CREDIT APPLICATION
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX American Express XXXX XXXX XXXX XXXX XXXX, NY XXXX Sworn Affidavit Validation of Debt Date- XX/XX/XXXXXXXX Notice To Agent Is Notice To Principal Is Notice To Agent ( I am putting American Express on Notice ) Account numbers- XXXX Dear CEO/ President American Express XXXX XXXX You stated that I owe you a alleged debt that I would like to be validated under the UCC, FCRA, FCPCA as accurate and complete. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnisher of information to provide accurate information ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am requesting a validation of debt request in accordance with 15 U.S. Code 1692g - Validation of debts. Which states ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. If you are not able to validate this debt under 15 U.S. Code 1692g ( b ) that states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Under my God-giving rights under this sworn statement affidavit statement saying American Express can verify I own this alleged debt with a signed contract with my two wet signatures and the promissory note with my signatures under the penalties of perjury in reference to my rights under the UCC Code 3-308. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. Which states ( a ) In an action with respect to an instrument, the authenticity of, and authority to make, each signature on the instrument is admitted unless specifically denied in the pleadings. If the validity of a signature is denied in the pleadings, the burden of establishing validity is on the person claiming validity, but the signature is presumed to be authentic and authorized unless the action is to enforce the liability of the purported signer and the signer is dead or incompetent at the time of trial of the issue of validity of the signature. If an action to enforce the instrument is brought against a person as the undisclosed principal of a person who signed the instrument as a party to the instrument, the plaintiff has the burden of establishing that the defendant is liable on the instrument as a represented person under Section 3-402 ( a ). In order to validate and verify this debt is mine under UCC Code 3-308 their has to be proof of my signature on the contract ( instrument ) you want to collect debt on. Under Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER V - DEBT COLLECTION PRACTICES Sec. 1692g - Validation of debts, please provide me with ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 6 ) Bill of sale, Promissory Note ( 7 ) Proof of Purchase ( 8 ) Accounting Record ( 9 ) Proof of Contract ( 10 ) Privacy Notice ( 11 ) Balance Sheet ( 12 ) Proper Service ( 13 ) Full Account Disclosure ( 14 ) Interest Rate Sheet ( 15 ) Sign authorized Charges Furthermore, please send a certified contract not a photocopy of the promissory note to validate that this account is mines and that you are able to report on my credit profile. Please validate that this is a true bill that owe to American Express. A true bill according to black law dictionary is an agreement of a grand jury with a prosecuting attorney that an indictment needs to be made against the accused person. true bill is stamped on the document. Please also send a lawful contract signed by both parties which makes it binding between both parties. Stating that American Express and I have given substance according yo the contract law of 1872. Also send all validation of debt and all paperwork linked to the alleged accounts with American Express from the alleged creditor. Please certify in a sworn affidavit under the penalties of perjury and color able law that all states of rebuttal to this sworn affidavit are true and correct to the best of your ability with your signed signature. Please send me copy of this sworn affidavit via receipt of this affidavit Please respond in 10 days or this affidavit will then become binding according to contract law of 1872. Furthermore, I will have an opportunity to cue and place a judgment on American Express. If you fail to respond in 10 days I am going to presume the debt isn't true in the first place or it has already been paid in full I am respectfully requesting that if you can not provide the following information above that you delete and remove these accounts from my credit profile immediately. This inaccurate and untrue information is ruining my credit worthiness to purchase a home and under the United States Constitution my pursuit to happiness. To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds, dishonor to commerce and a discharge must be granted to me according to the UCC CODE 9-406. DISCHARGE OF ACCOUNT DEBTOR ; NOTIFICATION OF ASSIGNMENT ; IDENTIFICATION AND PROOF OF ASSIGNMENT ; RESTRICTIONS ON ASSIGNMENT OF ACCOUNTS, CHATTEL PAPER, PAYMENT INTANGIBLES, AND PROMISSORY NOTES INEFFECTIVE. Also under the Emergency Banking Act of 1933 The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt. As you are aware when the ability to pay debt with money was removed by congress, the law required a remedy. The remedy that was created for the discharge of public debt was the Uniform Commercial Code and commercial paper. The uniform Commercial Code was created for the management of debt in bankruptcy. I believe that there is no proof to the contrary on this American Express account. Please respond back in writing with another sworn affidavit since that is the proper way yo rebut another affidavit under UCC Code Article 3. If you do not respond with the information requested I will have all grounds to sue for defamation of character under 15 USC Code 1681 s-2 ( b ) and 15 U.S. Code 168n- Civil liability for willful non compliance. I will seek monetary damages from XXXX XXXX under the United States UCC laws if these accounts are not immediately removed from my credit profile.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: American Express Savings blocked me from accessing my account by disabling my ID without any prior notification. When trying to login to my American Express Savings account which I've had for XXXX years, I got a notification that my ID no longer existed, and I was unable to access my account. When I called customer service, they informed me that they had blocked my access in violation of their terms of service which state that " You may access our website at any time at go/amex/savingshome. If you have enrolled if you have enrolled in online banking and established a User ID and password. '' Only after spending hours on the phone with several processors did they determine that I was indeed never sent any notifications because I get my statements in paper format, and that they were trying to extract additional personal information from me so that they could link my credit cards to my savings accounts. I was eventually informed that they hadn't XXXX my ID or Account, they had just hidden access to it behind a new URL that again was not documented ( and still is not ) in their Terms of Service. This appears to be an attempt by American Express Savings to prevent customers from withdrawing their funds while banks everywhere are struggling with customers leaving for better rates elsewhere.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I recently signed up for a platinum AmEx sky miles card. When I signed up, I recall the promotional offer being XXXX miles if I spent {$3000.00} in the first 6 months. I reached out to AmEx customer service to confirm this and was informed an investigation would be opened. After over two weeks of not hearing anything, I reached back out and was told the investigation had concluded and the offer was XXXX miles but the AmEx customer service rep refused to provide documentation reflecting that the promotional offer was XXXX miles. I recall it being XXXX miles. Im not sure why I wasnt informed the investigation concluded. Im not sure why AmEx cant provide documentation of the promotion offer.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
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: On XX/XX/2023 I went in to Bed Bath and Beyond in XXXX XXXX, CA. I purchased XXXX XXXX XXXX, XXXX Dinner Plate, XXXX Salad Bowls, XXXX Salad Plates, a XXXX XXXX XXXX XXXX Sifter Attachment, Sodastream Bottles and an XXXXXXXX XXXX XXXX. When I got home, I tried to connect the XXXX XXXX and they did not work. I also tried to attach the XXXX XXXX XXXX XXXX XXXXXXXX Attachment to my XXXX XXXX XXXX XXXX and the attachment would not work. On XX/XX/2023, I brought all the items back to the store on and attempted to return the items. XXXX XXXX XXXX XXXXXXXX stated that all sales were final. I informed them that California Law requires that if all sales were in fact final, they must post a sign visible to the general public at the time of purchase and must print such statement on the receipt. I then informed them that there were no signs posted in the store, at the time of purchase, stating all sales were final and showed them that THERE IS NOTHING PRINTED ON MY RECEIPT STATING THAT ALL SALES WERE FINAL IN FACT THE EMAILED RECEIPT STATES EASY RETURN UP TO 90 DAYS WITH A RECEIPT. ( See Attached Scan of the Receipt on page 16 of this document ). On XX/XX/2023 I filed the initial dispute with American Express. On or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX responded to the dispute filed with American Express and their initial response to American Express was that I had 90 days to return the merchandise for a full refund. ( See Attached Letter from American Express staring on page 4 of this document ) On XX/XX/2023, upon receiving the letter from American Express, I immediately went back to Bed Bath and Beyond and attempted to return the items once again. I showed XXXX XXXX XXXX XXXX the letter from American Express and they did not care. XXXXXXXX XXXX XXXX XXXXXXXX in XXXX XXXX, CA once again stated that all sales were final. I once again showed them the response letter from XXXX XXXX XXXX XXXX to American Express and informed them that there were no signs posted in the store, at the time of purchase, stating all sales were final and showed them that THERE IS NOTHING PRINTED ON MY RECEIPT STATING THAT ALL SALES WERE FINAL. PLEASE SEE ENCLOSED SCREEN SHOT OF THE ORIGINAL RETURN POLICY ( PAGE 20 OF THIS DOCUMENT ) AND THE REVISED RETURN POLICY ( PAGE 24 OF THIS DOCUMENT ) WHICH STATES AS OF XX/XX/2023, CUSTOMERS CAN NO LONGER RETURN OR EXCHANGE MERCHANDISE. ALL ITEMS PURCHASED DURING OUR ONGOING STORE CLOSING SALES ARE AS IS AND FINAL SALE. On or about XX/XX/2023, I contacted American Express and informed them of the Merchants refusal to take back the damaged merchandise. American Express continued the dispute. ( See Attached Letter from American Express ) On XX/XX/2023, American Express sent a letter to me stating that the dispute was closed in favor of the merchant because the merchant stated that All Sales are Final. ( See Attached Letter from American Express ). The merchant can not have it both ways, by stating initially that I can return the items, which I attempted to do on or about XX/XX/2023, and then change their position to All Sales are Final. This is a clear contradiction from their initial response to the dispute. In Fact, Bed Bath and Beyonds website stated that AS OF XX/XX/2023, CUSTOMERS CAN NO LONGER RETURN OR EXCHANGE MERCHANDISE. ALL ITEMS PURCHASED DURING OUR ONGOING STORE CLOSING SALES ARE AS IS AND FINAL SALE. MY PURCHASE WAS PRIOR TO XX/XX/2023. I was told on XX/XX/2023, by a dispute representative at American Express that XX/XX/2023, was the only response issued by Bed Bath and Beyond. This means that American Express ONLY submitted the dispute to the merchant bank at the beginning of XX/XX/2023 and has refused to resubmit the dispute to the XXXX XXXX after XXXX XXXX XXXX XXXX responded on XX/XX/XXXX stating that if I was not happy with the merchandise, I could return the merchandise to any XXXX XXXX XXXX XXXX. When I escalated the dispute after XXXX XXXX XXXX XXXX refused to accept the return, American Express and American Express ONLY issued me a letter stating that as of XX/XX/2023, XXXX XXXX XXXX XXXX is not accepting returns. THIS STATEMENT CONTRADICTS THE RETURN POLICY THAT WAS POSTED ON THE XXXX XXXX XXXX XXXX WEBSITES AS OF XX/XX/2023 ( SEE ENCLOSED SCAN ON PAGE 20 OF THIS DOCUMENT ) AND THE REVISED RETURN POLICY THAT WAS POSTED ON BED BATH AND BEYOND WEBSITE ON XX/XX/2023 ( SEE ENCLOSED SCAN ON PAGE 24 OF THIS DOCUEMNT ) This means American Express is violating not only the terms and conditions of the credit card agreement but also failing to fulfill its fiduciary responsibility of correctly submitting the dispute to the merchants ' bank. This is a violation of the Consumer Finance Protection Bureaus Rules. On XX/XX/2023, I once again reopened the dispute because I believe that American Express is not looking at the facts in this dispute and is merely going off a computer-generated response. Obviously, American Express did not resubmit this matter to the XXXX XXXX because if they did, a response would not have been issued so quickly. Clearly, someone needs to look at the big picture here and see that XXXX XXXX XXXX XXXX stated that I was within my rights to return the merchandise based off their XX/XX/2023 response, but when I attempted to return the merchandise on or about XX/XX/2023 the return was refused. Therefore, I should have every right to dispute the transaction and have the dispute ruled in my favor because the merchant responded initially by stating that the return policy was in affect at the time of the purchase, as spelled out in their response letter. Please look carefully at the enclosed letters from American Express, as it is now apparent to me that American Express is refusing to resubmit the dispute to the XXXX XXXX, which means they are trying to get out of their fiduciary responsibilities. The Merchant spelled out in the initial letter that if I was unhappy with the merchandise, I could return the merchandise to XXXXXXXX XXXX XXXX XXXX. THIS IS ALSO CONFIRMED IN THE ENCLOSED SCREEN SHOT OF THE RETURN POLICY THAT WAS SCANNED ON XX/XX/2023 ( SEE PAGE 20 OF THIS DOCUMENT ) AND PRINTED ON THE E-MAILED RECEIPT ( SEE PAGE 16 OF THIS DOCUMENT ). As American Express knows, the response letter from Bed Bath and Beyond was sent on XX/XX/2023, as their initial response letter to AMEX. However, once their store refused, and changed its position to All Sales are Final, when no signs were posted at the time of purchase and no such statement appeared on the printed receipt, I asked American Express to step in and further assist. However, American Express is now going off a system-generated letter from American Express instead of complying with the terms and conditions. American Express is refusing to resubmit the dispute to the XXXX XXXX and just denying the dispute, which is violating my dispute rights. Both American Express and the merchant can not have it both ways by stating that I can return the merchandise ( AS STATED IN THEIR RESPONSE LETTER ON PAGE 4 OF THIS DOCUMENT, ON THE EMAILED RECEIPT ON PAGE 16 OF THIS DOCUMENT AND POSTED ON THEIR WEBSITE ON PAGE 20 OF THIS DOCUEMNT ), and then once their store refuses, state that all sales are final when there is nothing printed on my receipt, nothing was posted in the store at the time of purchase, and the initial response letter from Bed Bath and Beyond to American Express stated that I may return the merchandise for a full refund. I dont care how American Express handles the reimbursement matter, but I am not only entitled to a full and complete refund but I am entitled to an apology because American Express has violated my rights to a proper and lawful dispute.
Company Response:
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: To Whom it may concern, I have reached and reported to Amex regarding my former spouse 's credit card fraud, I have not recieved any communication regarding their repair to my credit score. Attached are the followinng doucments 1. XXXX Police report 2. XXXX XXXX determination of credit card fraud 3. My Divorce lawyer 's explanation of how Amex was misused ( see pg. 1 last paragraph )
Company Response:
State: CA
Zip: 94133
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XX/XX/XXXX I applied for the credit card and got approved. The term said XXXX pointsfor {$6000.00} spent in first 6 months, and additional XXXX points for XXXX nights stayed in XXXX properties booked through difrect. The reason I applied because I think the additional XXXX is attractive. XX/XX/XXXX I booked through XXXX official site & stayed for XXXX nights. But never got the XXXX points. XX/XX/XXXX - XX/XX/XXXX I talked to XXXX ( XXXX ) different agents for this matter. At first, I was told I need to wait for XXXX weeks to get it. Then after XXXX weeks, they opened & closed XXXX cases to investigate why the bonus points were not granted to my account. Meanwhile, I connected with AMEX at least 5 times ( both online chat and phone call ) to ask about the investigation results. They just kept saying the case was closed & I was not eligible but can't tell exactly why I was not qualified. XX/XX/XXXX I talked to a supervisor, after several argument ( he claimed that I was not eligible because there needs to be XXXX different stays instead of nights, but the term he sent said otherwise -- > it CAN be the same stay with XXXX paid nights ). After I explained the term, he said he understood the terms, said he will investigate this, asked me to upload all evidence ( including receipt & booking confirmation ) and get back with a phone call within XXXX days, I did everything he asked, but he never call back. XX/XX/XXXX I initiated another chat with an agent, he just kept repeating that the case was closed on XX/XX/XXXX and no activity after that ( not as the supervisor suggested, that he will reopen on XX/XX/XXXX ). The agent said he will reopen the case for investigation. But I am super frustrated, by this time, the case was opened and closed 4 times, and still no resolution ( no reason provided why I wasn't granted the bonus points, nor was the points granted ) I think this is FRAUD and I felt cheated.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: American Express has employed unethical and abusive collection practices, has breached the terms and agreement of my two credit card accounts, and has substantially hurt my financial, physical and emotional well-being. COMPLAINTS : # 1. - American Express violated the terms and agreement of two credit cards and attempted to collect a payment from me in ADVANCE of a payment due date. My credit cards ( two ) were both paid as agreed and on time. I never had a late payment on any card since inception of the card. They attempted to get me to make a payment before a payment was due. This incident occurred in XXXX of XXXX. # XXXX American Express incorrectly reported my account type to the credit bureaus. Their negligence made it appear as if my approved credit limit was {$0.00} on my American Express Gold card. I was not supplied an established max credit limit at all. I was approved for an OPEN ENDED ( unlimited ) Gold American Express charge card. I contact American Express and asked them to correct their erroneous reporting to the credit agencies. AMEX reported my credit limit as " {$0.00} '' as a revolving account to the credit agencies. The account should have been reported as an opened ended charge account. Their mistake caused my credit score to drop substantially. # XXXX American Express XXXX XXXX XXXX and XXXX. I began to notice a pattern that every time I contacted AMEX, the employees were using fictious first names. The names of the employees matched the names of my personal and professional contacts. They were answering the phone using the names of my personal contacts that are deceased family members. # 4. At least two partners of American Express appear to be committing theft and acts of fraud or other crimes. My American Express Gold Card I suspect was stolen by one partner/merchant of American Express . I contacted AMEX to report the card lost or stolen and ordered a replacement card. The card went missing while I was renting a vehicle from XXXX XXXX, located out of XXXX XXXX XXXX NV. Furthermore, my card was declined by XXXX XXXX XXXX and XXXX without any reason at all. This incident occurred shortly after my credit card was stolen while I was still in an active rental agreement with XXXX. At the time, I was paid current on my credit card account and was not due for a payment. I had no late payments in the past and was not above an established credit limit. This incident occurred on XX/XX/2023. This is when AMEX attempted to collect a payment from me before a payment was due. # XXXX - American Express has cancelled both of my credit cards without my authorization and in retaliation against my cease-and-desist order. What is most upsetting is that I have been an excellent customer of American Express and have always paid on time. They abused me as soon as I began to use the card more frequently. They employed a " pay it later '' program that they are now reneging on.
Company Response:
State: IL
Zip: 60193
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A