Date Received: 2023-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In accordance with the Fair Credit Reporting act, American Express, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Account Paid In FuLL
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We paid our bill to American Express in XXXX ( the total balance due which we pay every month ). We paid through our bill-pay service with XXXX XXXX XXXX Bank XXXX They sent the payment electronically to American Express. American Express claims they never received the payment. We have provided 100 % of the documentation that they have requested multiple times including but not limited to having XXXX XXXX XXXX Management speak directly to American Express Supervisors. As a consumer we are out of options. XXXX can not reverse an electronic payment. American Express won't admit that they applied our payment to someone else 's account. XXXX has no legal representation for clients whose bill payments are denied by 3rd parties. American Express is giving us no further options other than to pay them {$2400.00} AGAIN. Why is it the consumer 's fault if American Express lost a payment? We can prove the payment went to them. Why is it our fault that they lost it? This is fraud.
Company Response:
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
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 disputed a charge for the amount of {$8500.00} for the reason that the item I received was defective and was not as described, and that the merchant that sold me the item refused to refund it, despite not having any return policy at all on their website. I sent a letter to Amex a couple days later, attached labeled XXXX, with various screenshots of evidence that the product is severely defective and would be a risk to my vehicle if I were to install it. The merchant got in contact with me via email to request me to send back the item if I was charging back and I responded in early XXXX to the merchant, detailing my grievances with their product and their behavior after the fact, including the fact that the merchant slandered me on social media. I called Amex before this and they told me not to send anything back to the merchant until the dispute is finished, and they requested me to give them all information related to the merchant and the merchant 's behavior afterwards, and I provided the letter I wrote to the merchant to Amex ( attached here under the label XXXX ). In late XXXX I received notice that I was rebilled and that the dispute was resolved in the merchant 's favor, for the reason " the merchant has provided us with the documents stating that at no time they were told this kit was defective [ ... ] further, their engineer 's personal phone number was offered for any support however no contact was made. Upon looking at the statement -- full of lies, I might add -- from the merchant and the images he provided, including a return policy that was not present on the website at my time of ordering ( I have evidence of this ), I appealed the dispute and attached proof that the merchant was lying on almost every point he brought up in his letter to Amex. I showed evidence of when I told the merchant the kit was defective and asked for a refund. Additionally, the company 's phone number was offered after they rejected my request to refund the item, which is out of line with the California Civil Code section 1723 law that states " If a store violates this law ( California Civil Code section 1723 ) by not clearly displaying their limited or no return policy, you can return the purchased item with proof of purchase for a full refund within 30 days '' ( California Office of the Attorney General ) -- I shouldn't have an obligation to contact them further to beg them for a refund after he denied it already, I spoke with Amex representatives and they told me that they can handle it for me. After reappealing the dispute on XX/XX/XXXX and attaching the relevant information and evidence ( attached here in Amex XXXX XXXX ), on XX/XX/XXXX, my dispute was denied yet again because the " [ merchant ] has provided us with the attached supports indicated that member ordered a turbo kit and chose a shop local to him that had never installed their kit before. Further, they have advised that member also chose a tuner that was not on our preferred list of tuners to tune the car. '' Both of these points are things that I brought up in my letter attached here as Amex XXXX XXXX, where I state that " It's inappropriate for XXXX XXXX to insist that I use a specific shop for installation, especially because this wasnt communicated anywhere in the product listing. The parts I purchased are universal for my car model. I elected a reputable shop where the owner has a long-standing experience spanning almost a decade with XXXX and, specifically, with installing aftermarket parts and turbo kits like this one. The shops owner himself has installed over {$40000.00} in other parts on my car alone and it is unfair to question his capability. '' and that " I find it disheartening that XXXX XXXX is lying to American Express with this fact. At no point before or after my order was I provided with a " preferred list of tuners '' and there were no restrictions communicated to me on who I could have tune my car. In fact, when I mentioned my tuner, Bend Calibration, to XXXX XXXX, XXXX XXXX acknowledged and endorsed them, saying " Bend is a great tuner BTW '' ( refer to circled text in attached screenshot # XXXX ). This is a tuner who has handled over a dozen of the kits that XXXX XXXX offers and XXXX XXXX is lying when he claims that they lack certain capabilities ; they just advised me against putting this equipment on my car because of the issues in quality specific to my kit. '' It appears that American Express did not fairly evaluate my claim or even read my letter and refer to the attached evidence ( available in the attachment here ) of the fact that the merchant endorsed my tuner and that I have the right to have whichever shop work on my car -- this one in this case had plenty of experience installing this product before ( evidenced by their instagram, @ XXXX ). I am filing this CFPB claim in order to get my dispute some fair oversight and consideration because it appears that Amex is either not reading my letters that I am writing them in my dispute, or that they are biased towards the merchant for whatever reason, and that violates my rights to a fair dispute process.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In the term of XXXX card, " During each year of your Card Membership, you will receive XXXX Annual Free Night Reward from Hilton Honors. The Annual Free Night Reward will be issued in the form of a redeemable code and sent in an email from Hilton Honors to the email address listed on your Hilton Honors account. You will receive the Reward email within 8-14 weeks after your renewal month. " I have waited like XXXX weeks still not get my annual free night from Hilton Aspire card.
Company Response:
State: IL
Zip: 61822
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hi- this is a general complaint about the issuance of credit cards. I filled out the form as best I can, but there wasn't an option for " other '' so I had to select some of you default options. My complaint is that after an application card issuers are not required to disclose the amount of credit that they would offer you before you accept the offer. This makes it challenging for consumers and businesses to limit the number of accounts they open for credit management or other purposes because they can't see how much a card issuer is offering before they accept the account. I think CFPB rules should require that after an application for a credit card the issuer should be required to disclose the credit limit they would be willing to offer and the business or consumer should be able to negotiate at that point based on their needs or decline the offer. If this wasn't the right way to submit this feedback, please channel it to the right people. I think this is a very fair consumer protection to allow a consumer to see the total credit line before accepting a new account so that they can shop between issuers without having to open an account just to see what credit line is available. Thanks, XXXX
Company Response:
State: UT
Zip: 84045
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I found an American Express credit card statement in the mail XX/XX/ with a balance and late fee of XXXX. I never opened or ever had or applied for an American Express credit card or balance transfer. This is definitely fraud stolen identity and someone opened this other than me. I opened a fraud case with American Express and said would take a month. I am looking and filing every measure to have this irradicated and resolved. It also is showing on my credit report. I will attach billing statement. Once again this is not me and I never received or opened this account. Please assist.
Company Response:
State: SC
Zip: 29745
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Remove All Fraudulent Accounts Immediately!!
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I am writing to express my extreme dissatisfaction and frustration with my recent experiences concerning my credit card account with American Express. I signed up for a 12-month 0 % APR promotion, but I have encountered numerous issues that have left me feeling deceived and mistreated. 1. **Interest Charges Despite 0 % APR** : I was shocked to see interest charges on my statements when I was supposed to enjoy 0 % APR for the first 12 months. When I inquired about this discrepancy, your representatives informed me that it was due to not paying the minimum balance. However, this is perplexing because no credit card obligates customers to pay a minimum balance during a 0 % APR introductory period. This promotion is designed to allow a year of interest-free payments. 2. **Revocation of Initial Agreement** : To add to my frustration, when I began paying the minimum balance as suggested by your representatives, I was informed that my initial 0 % APR agreement had been revoked due to late payments. This was done without any prior communication, such as emails, letters, or notifications. This sudden change left me blindsided and with no knowledge of the agreement 's revocation. I believe that these actions represent misleading information and financial misconduct. It is extremely unfair to change the terms of an agreement without proper notice and then to charge interest retroactively. I have been a loyal customer, and I expected transparency and fairness from your institution.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
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: I paid for a roundtrip from XXXX XXXX XXXX XXXX XXXX XXXX, and back to XXXX from XXXX, XXXX on XXXX XXXX through my American Express card on XX/XX/2023, for {$1600.00}. When I went to the XXXX XXXX counter at XXXX XXXX on XX/XX/2023 for my scheduled flight back to XXXX I was told that someone cancelled my flight, but it wasnt me, and the airline didn't know who it was. I know I did not cancel the flight. The counter official was in contact with XXXX in XXXX XXXX throughout our discussion. I pleaded with XXXX counter official to give me a boarding pass since I paid for the roundtrip flight and XXXX XXXX still had my payment. There was still room on the flight for XXXX more passengers. I spent about XXXX minutes or more trying to persuade the XXXX counter official to let me on the flight but to no avail. She said she had to leave and just said good luck. It was about XXXX XXXX XXXX XXXX and I found a flight on XXXX XXXX to XXXX that left in XXXX XXXX XXXX XXXX, But since the flight was nearly full and I booked it at the XXXX counter with little time remaining for the flight I had to pay the maximum coach price which was {$1900.00} one way to XXXX. Even with a refund on XXXX XXXX of {$1600.00} I would still be out {$200.00}. I came to the XXXX to marry and the marriage ceremony was wonderful and everything would have been great except trying to get back to XXXX, XXXX. I live in XXXX XXXX, Maryland. So I have requested the refund of {$1600.00} that I paid American Express for the flight on XXXX XXXX which the airline would not allow me to complete. I protested to American Express for the amount that I paid XXXX XXXX since even though I was able to fly from XXXX XXXX XXXX to XXXX, XXXX I had to pay {$1900.00} On XXXX XXXX to get back from XXXX to XXXX XXXX XXXX. I said that in a statement to American Express. XXXX XXXX responded that I got a refund of about {$64.00}, which was a very small amount compared to {$1600.00} I paid for XXXX XXXX and {$1900.00} for XXXX XXXX. American Express just accepted whatever XXXX XXXX stated and not what I wrote and spoke to American Express.
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A